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Goodbye High Interest, Hello Savings

Save big with Sound's 2.85% APR Visa Balance Transfer promo.

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2.85% promo APR* thru December 2025 on Visa Balance Transfers made February 1 - June 30, 2025. After that, pay the standard variable APR, currently 11.20% – 23.20%.

  • Zero balance transfer fees
  • Fast and easy balance transfer process
  • Offer ends June 30, 2025
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Already a Sound Cardholder?

Login to Transfer Your Balance

LOGIN AND TRANSFER
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Not yet a Sound Cardholder?

Compare Cards and Apply

Compare cards

Pay off higher balances with just a few clicks. 

You can easily get started transferring your balances to your Sound Visa credit card from within Sound online banking or the mobile app. Log in and transfer. After logging in, you’ll be taken directly to begin the Balance Transfer process.

If you’re not already logged in to Online Banking, go to soundcu.com, click the LOGIN button, enter your credentials and follow these steps: Login > Move Money > Balance Transfer.

Or, download, complete and return the Balance Transfer Form to get started transferring balances from higher-rate cards.

Applying for a Sound Credit Card is Fast and Easy

Rewards, Cash Back or low-interest Select. Sound has a variety of card programs to fit your life.

Balance Transfer FAQs

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Are there any fees associated with transferring my card balances to Sound?
Sound charges ZERO balance transfer fees. This is a key benefit when considering Sound Credit Union. Most credit cards offer promotional balance transfer deals, commonly a 0.00% APR introductory rate, but charge a balance transfer fee, usually ranging from 3% to 5% of the transferred amount. It’s crucial to carefully review the terms and conditions to understand any associated fees. Additionally, consider whether the potential interest savings outweighs the transfer fee.
How do I transfer my higher-rate balances to a card at Sound?
If you are already a Sound cardholder, simply login to your online banking account, select the Move Money Option, then Balance Transfer. If you are not yet a Sound cardholder, click the Compare Cards button above.

Compare Credit Card Accounts

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Rewards Credit Card

BEST IF YOU'RE INTERESTED IN...

  • Earn Sound Rewards on every purchase.
  • Get an extra 10,000 points with your new card
  • Auto rental collision damage waiver2
APR

13.20% – 23.20%
FEES

No Annual Fee

 

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Cash Back Credit Card

BEST IF YOU'RE INTERESTED IN...

  • Get 1.5% cash back on purchases1
  • Auto rental collision damage waiver2
  • Personal identity theft coverage2
  • Travel accident insurance2
  • Exclusive Visa Signature® benefits
  • 24-hour concierge service3
  • $5,000 minimum
APR

13.20% – 23.20%
FEES

No Annual Fee

 

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Select Credit Card

BEST IF YOU'RE INTERESTED IN...

  • Low rate
  • Auto rental collision damage waiver2
APR

11.20% – 22.20%
FEES

No Annual Fee

 

Sound membership required. All Washingtonians welcome. All loans are subject to Sound Credit Union lending policies. Verification of income may be required. All loans are subject to credit approval. Your rate and credit limit will be determined based on individual creditworthiness including income, debt ratio, and employment. Must be 18 years of age to qualify for a loan.

Important Information About This Offer: All Sound Home Equity, Business Rewards, Business Platinum, and Business Platinum Secured accounts are excluded from this offer. Promotional balance transfers cannot be used to pay off another Sound Credit Union loan or line of credit. Transaction amounts used from this form will be applied to your established credit limit and will be charged 2.85% APR through your December 2025 statement period. After that, you will be charged the standard APR for purchases 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 (for example, APR and transaction fee) stated in your loan documents or any subsequent change in terms, or may be declined. Offer, rates, and fees subject to change. The APR on all other transactions and balances on your account will remain at the applicable rate in accordance with your Credit Card Agreement.

Transferring Balances: Sound Credit Union does not charge a balance transfer fee. Promotional balance transfers cannot be used to pay off another Sound Credit Union loan or line of credit. Please allow 2–3 weeks for the receiving institution to process your payoff. Continue to make your payment on these accounts until the payment for the transferred amount appears on your other issuer’s statement. Sound Credit Union is not responsible for late payments on your other issuer’s account. We are not able to close your other accounts even if you transfer the entire balance. If you want to close the account, you will need to contact the issuer directly. Balances can be transferred up to your established limit.

Right to Decline: Under certain circumstances (for example, if your account is past due or over limit, or if we reasonably believe you will be unable or unwilling to repay the balance, or as described in your Credit Card Agreement), we may decline to process your transaction.

Credit Card Agreement: For further details about terms or conditions on your account, please refer to your Credit Card Agreement.

Rewards Cardholders: Sound Rewards points will not be awarded on transactions from this promotion.

Cash Back Cardholders: Balance transfers are not eligible for cash back award.

Fees: Sound Credit Union does not charge a balance transfer fee.