Credit union · NCUA insured
Sound Credit Union Savings Rates
Sound Credit Union’s best savings rate is 2.00% APY on $10,000, with its High-Yield Money Market. Rates checked October 22, 2026.
How Sound Credit Union’s savings rates compare
Compared with banks and credit unions near Seattle, WA, where Sound Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Sound Credit Union
2.00%APY
- Requires
- None
- Earns on $10,000 a year
- $200
High-Yield Money Market
Top rate
Peak Credit Union
5.00%APY
- Requires
- Another account
- Earns on $10,000 a year
- $500
2nd-highest rate
Nuvision Credit Union
4.50%APY
- Requires
- Monthly account activity
- Earns on $10,000 a year
- $450
Sound Credit Union savings score
89
Savings score
Higher than 89% of U.S. banks and credit unions
- $1,000 balance$1,0002.00%
- $10,000 balance$10,0002.00%
- $100,000 balance$100,0002.00%
- QualifiedQualified2.00%
Each track runs from the lowest to the highest rate among U.S. banks and credit unions; the dot is this rate.Qualified: needs another account or monthly activity.
Where Sound Credit Union ranks
By savings score, in each area where it has branches
Every rate
Current savings rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
High-Yield Money Market
2.00%APY
Sound membership with a Prime Savings account is required. Anyone who lives or works in WA can join. Over 3 checks per month incurs a $10 fee per check.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $99,999Dividends compounded and credited monthly. No monthly fee. Rates and fees are subject to change. | 2.00% | $200 | Dividends compounded and credited monthly. No monthly fee. Rates and fees are subject to change. |
| $100,000 and upDividends compounded and credited monthly. No monthly fee. Rates and fees are subject to change. | 2.00% | — | Dividends compounded and credited monthly. No monthly fee. Rates and fees are subject to change. |
Sources (3)
- soundcu.com/personal/high-yield-savings
- soundcu.com/rates/personal
- soundcu.com/rates/personal/checking-savings
All captured Oct 22, 2026
Save to Win Savings
0.25%APY
Open to Sound members 18 and older living in Washington State. Limit one Save to Win Savings account per member. Membership with Prime Savings required.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balance$0 minimum balance. Earns quarterly dividends and entries into prize drawings for every $25 month-over-month balance increase (max 100 entries/month, 300/quarter, 1,200/year).Any balance | 0.25% | $25 | $0 minimum balance. Earns quarterly dividends and entries into prize drawings for every $25 month-over-month balance increase (max 100 entries/month, 300/quarter, 1,200/year). |
Sources (4)
- soundcu.com
- soundcu.com/open-a-savings-account
- soundcu.com/personal/save-to-win
- soundcu.com/rates/personal
All captured Sep 15, 2026
Prime Savings
0.05%APY
Sound membership with a Prime Savings is required. Establishes membership.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $100 and upMinimum balance to earn APY is $100. Dividends compounded and credited monthly. No monthly fees.$100 and up | 0.05% | $5 | Minimum balance to earn APY is $100. Dividends compounded and credited monthly. No monthly fees. |
Sources (3)
All captured Sep 15, 2026
Secondary Savings
0.05%APY
Sound membership with a Prime Savings is required.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balance$0 opening deposit and no minimum balance requirements. Dividends compounded and credited monthly.Any balance | 0.05% | $5 | $0 opening deposit and no minimum balance requirements. Dividends compounded and credited monthly. |
Sources (4)
- soundcu.com/open-a-savings-account
- soundcu.com/personal/open-a-savings-account
- soundcu.com/personal/secondary-savings
- soundcu.com/rates/personal
All captured Sep 15, 2026
Special-purpose accounts
Health Savings Account
0.15%APY
Must have a high-deductible health plan. Sound membership with Prime Savings required.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceMinimum balance to open is $50. Dividends compounded and credited monthly.Any balance | 0.15% | $15 | Minimum balance to open is $50. Dividends compounded and credited monthly. |
Sources (3)
All captured Sep 15, 2026
IRA Savings
0.15%APY
Sound membership with a Prime Savings is required. Available as Traditional or Roth IRA.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceNo annual maintenance fees. Dividends compounded and credited monthly.Any balance | 0.15% | $15 | No annual maintenance fees. Dividends compounded and credited monthly. |
Minor Savings
0.05%APY
For members age 17 and under. Requires an adult (18+) joint owner and must be opened in person at a Sound branch location.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceNo minimum deposit requirement to open or to earn dividends. No fees or minimum balances. Dividends compounded and credited monthly.Any balance | 0.05% | $5 | No minimum deposit requirement to open or to earn dividends. No fees or minimum balances. Dividends compounded and credited monthly. |
Sources (2)
All captured Sep 15, 2026
Who can join Sound Credit Union
We don’t have this credit union’s membership requirements here yet. Confirm that you can join before applying.