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Certificates of Deposit at Sound

Lock in a high rate and guaranteed return.

Certificates of Deposit (CD) unlock special savings advantages.
Interest is compounded monthly and accounts can be easily rolled over once they reach maturity. 

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Low-risk, high return. 

Fixed Term

Choose a predetermined term between 3 and 60 months, providing a sense of stability and predictability to your investment.

Flexibility

One of the key advantages is the option to make additional deposits during the term of the certificate account. Increase your savings and maximize your returns.

Security

Certificates of Deposit are considered low-risk investments. Providing peace of mind and protecting your funds.

Certificates

Certificate Accounts Dividend Rate APY* Minimum Balance
Certificate Accounts 3 months Dividend Rate 2.47% APY* 2.50% Minimum Balance $500
Certificate Accounts 6 months Dividend Rate 3.44% APY* 3.50% Minimum Balance $500
Certificate Accounts 12 months Dividend Rate 3.69% APY* 3.75% Minimum Balance $500
Certificate Accounts 18 months (Flex) Dividend Rate 2.95% APY* 2.99% Minimum Balance $2,500
Certificate Accounts 24 months Dividend Rate 2.72% APY* 2.75% Minimum Balance $500
Certificate Accounts 30 months (Flex) Dividend Rate 2.47% APY* 2.50% Minimum Balance $2,500
Certificate Accounts 36 months Dividend Rate 2.62% APY* 2.65% Minimum Balance $500
Certificate Accounts 36 months (Bump) Dividend Rate 2.62% APY* 2.65% Minimum Balance $2,500
Certificate Accounts 48 months Dividend Rate 2.47% APY* 2.50% Minimum Balance $500
Certificate Accounts 60 months Dividend Rate 2.47% APY* 2.50% Minimum Balance $500
Certificate Accounts 60 months (Bump) Dividend Rate 2.47% APY* 2.50% Minimum Balance $2,500

Rates and fees are subject to change. Please check with your local branch, or call if we can answer any questions.
*APY = Annual Percentage Yield

Unlimited Deposits: Make additional deposits at any time during the term of the certificate.

Bump Certificate: Minimum balance is $2,500. Rate Bump: One time upon request, we will increase your rate to the current Bump Certificate rate at the same term. The new dividend will not be applied retroactively. Penalty-Free Deposits: Unlimited deposits.

Flex Certificate: Minimum balance is $2,500. Add-on option: Unlimited deposits. Bump option: Upon request, rate will be increased to current Flex Certificate rate. Withdrawal option: Withdrawal amount cannot reduce the balance to less than the $2,500 minimum.

Note: All savings accounts which have dividends compounded and credited are paid monthly.

This Rate and Fee Schedule sets forth current conditions, rates, fees and charges applicable to your accounts at Sound Credit Union at this time. The Credit Union may offer other dividend rates, annual percentage yields and fees or amend the dividend rates, annual percentage yields and fees contained in this schedule from time to time. Fees may reduce earnings. Each account holder agrees to the terms set forth on this Rate and Fee Schedule and acknowledges that it is a part of the Membership and Account Agreement. Federally insured by NCUA.

Jumbo Certificates

Jumbo Certificates Dividend Rate APY* Minimum Balance
Jumbo Certificates 6 months Dividend Rate 3.69% APY* 3.75% Minimum Balance $100,000
Jumbo Certificates 12 months Dividend Rate 3.93% APY* 4.00% Minimum Balance $100,000
Jumbo Certificates 18 months Dividend Rate 3.20% APY* 3.25% Minimum Balance $100,000
Jumbo Certificates 24 months Dividend Rate 2.97% APY* 3.01% Minimum Balance $100,000
Jumbo Certificates 36 months Dividend Rate 2.87% APY* 2.91% Minimum Balance $100,000
Jumbo Certificates 60 months Dividend Rate 2.72% APY* 2.75% Minimum Balance $100,000

Rates and fees are subject to change. Please check with your local branch, or call if we can answer any questions.

*APY = Annual Percentage Yield

Unlimited Deposits: Make additional deposits at any time during the term of the certificate.

Note: All savings accounts which have dividends compounded and credited are paid monthly.

This Rate and Fee Schedule sets forth current conditions, rates, fees and charges applicable to your accounts at Sound Credit Union at this time. The Credit Union may offer other dividend rates, annual percentage yields and fees or amend the dividend rates, annual percentage yields and fees contained in this schedule from time to time. Fees may reduce earnings. Each account holder agrees to the terms set forth on this Rate and Fee Schedule and acknowledges that it is a part of the Membership and Account Agreement. Federally insured by NCUA.

IRA Certificates

IRA Certificates Dividend Rate APY* Minimum Balance
IRA Certificates 12 months Dividend Rate 3.93% APY* 4.00% Minimum Balance $1,000
IRA Certificates 18 months Dividend Rate 2.95% APY* 2.99% Minimum Balance $1,000
IRA Certificates 24 months Dividend Rate 2.72% APY* 2.75% Minimum Balance $1,000
IRA Certificates 36 months Dividend Rate 2.62% APY* 2.65% Minimum Balance $1,000
IRA Certificates 60 months Dividend Rate 2.23% APY* 2.25% Minimum Balance $1,000

Rates and fees are subject to change. Please check with your local branch, or call if we can answer any questions.
*APY = Annual Percentage Yield

Note: All savings accounts which have dividends compounded and credited are paid monthly.

This Rate and Fee Schedule sets forth current conditions, rates, fees and charges applicable to your accounts at Sound Credit Union at this time. The Credit Union may offer other dividend rates, annual percentage yields and fees or amend the dividend rates, annual percentage yields and fees contained in this schedule from time to time. Fees may reduce earnings. Each account holder agrees to the terms set forth on this Rate and Fee Schedule and acknowledges that it is a part of the Membership and Account Agreement. Federally insured by NCUA.

Calculate your potential earnings.

Plug in the numbers and we’ll do the math for you!

Use this calculator to estimate what your certificate could be worth. Simply enter your initial deposit amount, loan term, and APY to see what you could earn. 

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Or connect with us to discuss your needs.

Opening a Certificate Account with us is simple and rewarding. Whether you're new to Sound Credit Union or a long-time member, our team is here to help you secure a high-return, low-risk investment. Reach out today to discuss your financial goals and how we can assist in achieving them.

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800.562.8130

Hours:

Monday – Friday:
8:00 am to 6:00 pm

Saturday:
9:00 am to 1:00 pm

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DISCLOSURES
Requires Sound membership. Early withdrawal penalties apply and may reduce earnings.

Rates and fees are subject to change. Early withdrawal penalties apply and may reduce earnings. Please check with your local branch, or call if we can answer any questions.

*APY = Annual Percentage Yield

Unlimited Deposits: Make additional deposits at any time during the term of the certificate.

Bump Certificate: Minimum balance is $2,500. Rate Bump: One time upon request, we will increase your rate to the current Bump Certificate rate at the same term. The new dividend will not be applied retroactively. Penalty-Free Deposits: Unlimited deposits.

Flex Certificate: Minimum balance is $2,500. Add-on option: Unlimited deposits. Bump option: Upon request, rate will be increased to current Flex Certificate rate. Withdrawal option: Withdrawal amount cannot reduce the balance to less than the $2,500 minimum.