Sound Credit Union Edmonds WA | Affordable Auto Loans & Business Banking

Introduction

Welcome to Sound, your trusted financial partner in the heart of Edmonds, WA! Located at 202 5th Ave S, Edmonds, WA 98020, we have been proudly serving our community since 1940. With a membership base of over 163,882 individuals, we strive to create a welcoming environment where everyone can find the financial services they need. At Sound, we believe in building strong relationships with our members. Our dedicated team of 427 employees, led by CEO Don Clark and Board President John Bauder, is committed to helping you achieve your financial goals. Whether you're looking for a new auto loan, mortgage options, or personal banking services, we are here to support you every step of the way. Our total assets stand at an impressive $2,982,146,348, reflecting our stability and commitment to providing secure banking solutions. With total deposits amounting to $229,438,843 and a net worth of $341,018,475, you can trust that your money is in safe hands. We also offer a wide range of loan options, with a total of 84,672 loans and leases available to cater to your unique needs. While members can visit us at our Edmonds branch for all their banking needs, official correspondence should be sent to our mailing address: PO Box 1595, Tacoma, WA 98401. Feel free to reach out to us at 253-383-2016 for any questions or assistance! We invite you to explore our website at Sound Credit Union for more information on our services and how we can help you thrive financially. Come visit us today and experience firsthand the Sound difference!

Branch History & Mission

At Sound, our journey began in 1940, when we first opened our doors to the community in Edmonds, WA. Over the years, we have grown from a small credit union into a thriving financial institution with over 163,882 members and total assets exceeding $2.98 billion. Our branch, located at 202 5Th Ave S Edmonds Wa 98020, stands as a testament to our commitment to serving the financial needs of our community. From the start, our mission has been clear: to provide not only exceptional financial services but also unwavering support for our members and the communities we serve. We believe in empowering individuals and families by offering accessible banking solutions such as checking and savings accounts, auto loans, mortgage loans, personal loans, and business banking services. Sound has always prioritized being there for you when you need us. Whether you're visiting us during our lobby hours from Monday to Friday, 9 AM to 5:30 PM or utilizing our drive-thru services on Saturdays from 9 AM to 1 PM, we aim to make your banking experience as convenient as possible. Plus, with ATM availability and shared service centers in place, managing your finances is easier than ever. Our dedication goes beyond just transactions; it extends into the heart of Edmonds and surrounding areas. We actively engage in community outreach efforts and partnerships that uplift local initiatives and support those in need. This commitment is part of what sets us apart our focus on building lasting relationships with our members while contributing positively to society. As technology advances, we continue to evolve our services with online and mobile banking options that ensure your finances are always within reach. Our digital platforms are designed with user-friendliness in mind so that you can manage your accounts safely and conveniently anytime. While members can visit us at 202 5Th Ave S Edmonds Wa 98020, official correspondence should be sent to PO Box 1595, Tacoma, WA 98401. If you have any questions or wish to learn more about how we can help you achieve your financial goals, don't hesitate to reach out at 253-383-2016. We invite you to become part of the Sound family and experience firsthand the benefits of membership where your financial success is our priority! Join us today and see how together we can build a brighter future for all.

Branch Location & Accessibility

Convenience and Accessibility

We understand that your time is valuable. That's why our branch features ample parking and is designed with accessibility in mind, including ADA-compliant ramps to ensure everyone can visit us comfortably. Our friendly staff is always ready to assist you, whether you need help with personal banking services or just have a quick question.

Operating Hours

We're here for you during convenient hours! Our lobby is open Monday through Friday from 9:00 AM to 5:30 PM, and we also offer drive-thru services on Saturdays from 9:00 AM to 1:00 PM. This flexibility ensures you can stop by when it suits your schedule best.

Services Offered

At Sound Edmonds Branch, we offer a variety of services tailored to meet your financial needs. From checking and savings accounts to auto loans and mortgages, our team is dedicated to helping you achieve your financial goals. Plus, we provide access to an ATM for quick cash withdrawals anytime you need it. For those who prefer a little extra convenience, our drive-thru banking makes it easy to handle deposits and withdrawals without leaving your vehicle. We also participate in shared service centers, allowing members of partner credit unions access to many of our services as well. Ready to explore what we can do for you? Don't hesitate to call us at 253-383-2016 or stop by the Sound Edmonds Branch today! We look forward to welcoming you into our community and assisting with all your banking needs.

Member Eligibility

At Sound, we believe that joining our community is like becoming part of a family where everyone supports each other. Becoming a member is simple and welcoming. If you live, work, worship, or attend school in the Snohomish County area, you're already eligible to join us! We also extend our membership to immediate family members of current members, making it easy for your loved ones to benefit from our services too. To learn more about the specific eligibility criteria, feel free to check out this resource. Once you're ready to take the next step, opening an account with us is straightforward and hassle-free. You can visit us at our branch located at 202 5Th Ave S Edmonds Wa 98020 or give us a call at (253) 383-2016 for any questions you might have. Join us today and experience the many advantages of being a member at Sound, where your financial well-being matters!

Business Banking & Commercial Services

Financing Options

Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs: - We've funded over $425 in commercial loans for our members, helping businesses scale and succeed. - We also support the broader business community with $36 in non-member commercial loans, providing flexible financing solutions. - With an outstanding commercial loan portfolio of $673,966,414, we continue to drive economic growth by financing new and expanding businesses.

Merchant Services

In addition to loans, we offer comprehensive merchant services that make transactions easier for you and your customers. Imagine being able to accept payments seamlessly whether it's through card transactions or mobile payments. Our services help streamline your operations so you can focus on what matters most: growing your business. Located at 202 5Th Ave S Edmonds Wa 98020, Edmonds, WA, our team is ready to partner with you for all your business banking needs. Contact us today at (253) 383-2016 and let's take your business to new heights!

Comprehensive List Of Services

ATM & Cash Withdrawal Services

Need cash in a hurry? With our ATM and cash withdrawal services, accessing your funds is quick and easy. You can also use our basic drive-thru banking for deposits and simple transactions without leaving your car. At Sound, we believe that banking should be accessible and straightforward. If you're looking for personalized service combined with modern conveniences, we invite you to visit us at 202 5Th Ave S Edmonds Wa 98020 or give us a call at (253) 383-2016. Join our community today and let us help you take control of your financial future!

Auto Loans & Vehicle Financing

Dreaming of a new car? Our auto loans and vehicle financing options allow you to drive away in your dream vehicle without breaking the bank. We offer competitive rates and flexible terms that suit your budget, so you can hit the road with confidence.

Business Banking

For our business members, we offer comprehensive business banking services including merchant services and business loans. Whether you're starting a new venture or expanding an existing one, we're here to help support your success.

Credit Cards with Rewards

Earn while you spend with our credit cards that offer rewards! From cashback on everyday purchases to travel points for your next adventure, our credit card options allow you to benefit from your spending habits.

Digital Banking Features

In today's fast-paced world, convenience is key. That's why Sound offers robust online and mobile banking services. Access your accounts anytime, anywhere through our secure platform. You can make transfers, pay bills, and even send money to friends all from the palm of your hand.

Mortgage Loans & Refinancing

Thinking about buying a home or refinancing your existing mortgage? At Sound, we provide mortgage loans tailored to fit your situation. Our knowledgeable staff will guide you through the process, ensuring that you find the best rates and terms available.

Personal Banking

We understand that managing your finances can be overwhelming at times, which is why our personal banking services are designed to simplify your experience. Whether you're looking to open a checking or savings account, we have options that fit every lifestyle. Our accounts come with features like online banking and e-statements, making it easy for you to track your finances on the go.

Personal Loans & Debt Consolidation

Life can throw unexpected expenses your way. That's where our personal loans come into play. Whether you need funds for an emergency or want to consolidate debt into one manageable payment, we have solutions designed for you.

Digital & Online Banking

Accessibility and User-Friendliness

Our goal is to make banking accessible for everyone. That's why we ensure that our services are user-friendly and straightforward. Need to make a quick payment? Use our mobile payments feature for instant transactions with just your smartphone. And if you ever have questions or need assistance, our dedicated team is just a phone call away at (253) 383-2016. At Sound, we believe that managing your money should be as easy as possible. Enjoy the peace of mind that comes with knowing your finances are secure and easily manageable through our comprehensive digital banking options!

Key Services

With our online banking system, staying on top of your finances has never been simpler. You can view your account balances, transfer funds, and even make person-to-person payments with just a few taps. Our mobile application brings all these features right to your fingertips, making it convenient to manage your money while you're out and about. We also prioritize security in everything we do. With features like electronic signature authorization, you can sign important documents safely from the comfort of your home without needing to visit a branch. Plus, our e-statements help you keep track of your transactions while reducing paper clutter no more waiting for statements in the mail!

Financial Strength

Growing Member Base

Total Share and Deposit Accounts: 318,778, showing a strong and growing member base that trusts us with their finances. Net Shares (Funds available for lending and investments): $2,854,249. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, Sound is your trusted partner. Visit us at 202 5Th Ave S Edmonds Wa 98020 or call (253) 383-2016 to learn more about how we can help you achieve your financial goals.

Member-Focused Savings

Members' savings are secured through $766,800,320 in share certificates and $499,327,301 in money market shares, offering stable and rewarding financial growth opportunities. Unlike traditional banks, we prioritize our members. With non-member deposits at $20,000,000, we ensure that our resources are focused on benefiting you through better loan rates, lower fees, and exclusive perks.

Operational Efficiency

Our $7,140,523 reflects our operational efficiency, enabling us to continue offering competitive loan rates and solid financial products for our members. We also take pride in having 408 full-time employees and 19 part-time employees, ensuring our branches are always ready to serve you with a knowledgeable, committed team.

Reinvesting for Growth

With $290,141,285 in undivided earnings, we reinvest in innovative banking tools, stronger lending options, and enhanced security measures to serve our members better. Our commitment to growth is reflected in our lending capacity; with $32,794 in used auto loans and $2,334,975,424 in total loans and leases, we support members' financial goals across various sectors.

Solid Financial Health

With a net worth of $341,018,475, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of 11.42% demonstrates a solid capital foundation, ensuring that we can continue providing loans, competitive savings rates, and uninterrupted services even in uncertain economic times.

Loan Offering

Auto Loans

Looking to buy a new car? Our auto loans offer some of the lowest rates in the industry, with over $619,769,853 in used vehicle loans and $232,912,683 in new vehicle loans already helping members get on the road. Whether you're looking for a reliable used vehicle or a brand-new model, we have flexible terms and competitive rates tailored to fit your budget.

Business Loans

For business owners, our outstanding commercial loans totaling $673,966,414 provide the capital needed to grow and expand. Whether you're starting a new venture or looking to enhance your existing business, our team is ready to support you with tailored lending solutions.

Credit Lines & Unsecured Credit Cards

For those who need additional flexibility, we also offer credit lines with a total of $547,290,089 available. This can be an excellent way to manage unexpected expenses or consolidate debt. Additionally, our unsecured credit card loans total $69,986,124, allowing members to handle everyday purchases without collateral. We believe in providing easy access to funds when you need them most.

Mortgage Loans

Thinking about homeownership? Our mortgage options, including Junior Lien 1-4 Family Residential Properties loans totaling $156,635,803, make buying or refinancing simple. We provide guidance through each step of the process, ensuring you understand your options and can choose what's best for your situation.

Refinancing Options

We also offer refinancing options across many of our loan products. If you're interested in lowering your monthly payments or securing a better interest rate, ask us about how refinancing could work for you. No matter what type of loan you're considering, we're here to help guide you through the process and answer any questions you may have. Feel free to reach out at (253) 383-2016, or visit us at our branch located at 202 5Th Ave S Edmonds Wa 98020 in Edmonds, WA. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. At Sound, we're dedicated to making your borrowing experience straightforward and beneficial!

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SOUND CREDIT UNION - Edmonds, WA

Type of Loan Offerings

Home Equity Loans

Personal Loans

Student Loans

Vehicle Loans

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