All loans are subject to Sound Credit Union lending policies and loan-to-value guidelines. Your rate, term, and credit limit will be determined by individual creditworthiness including income, debt-to-income ratio, employment and credit history. Verification of income and employment may be required. Must be 18 years old to qualify for a loan. Membership with a savings account at Sound Credit Union is required to participate in loan offers. Visit soundcu.com for current fees. Interest begins accruing on the date the loan is funded, regardless of first payment due date. Loan offers cannot be combined with any other loan promotion or discount and are valid through December 31, 2021. Rates, terms, and offer are subject to change at any time. 1. Auto Loan Refi: This offer is not valid to refinance existing Sound Credit Union loans. If you participate in this offer: 1) you may receive Form 1099-MISC at year end; 2) the 2% cash back award will be forfeited and added to the payoff amount, if the loan is closed within 24 months of opening. 2. Visa Balance Transfer: The promotional APR will be applied to balance transfers completed 07/01/2021 through 12/31/2021. Balance transfers will be applied to your established limit and will be charged the 1.99% promo APR until your statement period beginning January 2023. After that, you will be charged the standard APR as described in your loan documents or any subsequent change in terms. Transactions that post after the promotional date, or if your account is in default, may be charged the applicable non-promotional terms stated in your loan documents or may be declined. The APR on all other transactions and balances will remain at the non-promo rate in accordance to your Credit Card Agreement. Sound Home Equity, Business Rewards, Business Platinum, and Business Platinum Secured accounts are excluded from the promo rate offer. Promotional balance transfers cannot be used to pay off another Sound Credit Union loan or line of credit. Cash Advances are not eligible for the promo rate. Balance transfers are not eligible for Sound Rewards points or Cash Back awards.
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