Sound Credit Union Lakebay WA | Low Mortgage Rates & Auto Loans

Introduction

Welcome to Sound, your trusted financial partner located at 8920 Key Peninsula Hwy Nw, Lakebay, WA 98349. Since our establishment in 1940, we've been dedicated to serving our community with integrity and care. With a proud membership of over 163,882 individuals, we are committed to providing exceptional financial services that cater to your needs. At Sound, we understand that financial stability is key to a thriving community. That's why we manage a robust portfolio of assets totaling an impressive $2,982,146,348. Our members benefit from various offerings, including personal banking services, auto loans, mortgages, and business banking solutions. Currently, we hold $229,438,843 in deposits and have extended loans worth 84,672, ensuring that your money is not just safe but also working for you. Our leadership team is here to support you every step of the way. Under the guidance of CEO Don Clark and Board President John Bauder, we strive to create an environment where our members can thrive financially. Our commitment goes beyond just numbers; it's about building lasting relationships with our members and the communities we serve. While members can visit us at our branch location for in-person services like deposits or simple transactions through our drive-thru and ATM facilities, official correspondence should be sent to our mailing address: PO Box 1595, Tacoma, WA 98401. With a total cash reserve of $24,826,562, and a net worth standing at $341,018,475, you can trust that we prioritize your financial well-being. Whether you're looking for advice on managing your finances or seeking loans for personal or business needs, we're here for you. We invite you to reach out with any questions or visit us during our operating hours: Monday through Friday from 9 AM to 5:30 PM and Saturday from 9 AM to 1 PM. You can also contact us at 253-383-2016 or explore more about our offerings at soundcu.com. Join us in making Sound Credit Union not just a place for banking but a community hub where your financial dreams can take flight!

Branch History & Mission

At Sound, our story began in 1940, when we opened our doors in Lakebay, WA. Over the decades, we have grown into a trusted financial partner for our community, now proudly serving over 163,000 members. Our journey has been marked by milestones that reflect our commitment to providing exceptional service and support to those around us. Located at 8920 Key Peninsula Hwy Nw Lakebay, WA 98349, our branch is more than just a place to bank; it's a hub of community connection and growth. With the natural beauty of the Key Peninsula surrounding us, we are inspired daily by our environment and the people who call this area home. For official correspondence, you can reach us at PO Box 1595, Tacoma, WA 98401. Sound's mission is simple yet profound: to empower our members through accessible financial services while fostering a spirit of community support. We believe that banking should be personal and that every member deserves the tools they need to achieve their financial goals. Whether it's opening checking accounts or securing auto loans, we strive to make banking easy and beneficial for everyone. As we have grown from our humble beginnings, so too have our services. Today, we offer a variety of personal banking options including savings accounts, mortgage loans, and credit cards with rewards. Our digital offerings allow members to manage their finances conveniently through online banking and mobile payments. We take pride in being ADA compliant and ensuring all members can access our services comfortably. Our branch also features an ATM for quick cash access and provides drive-thru banking for easy transactions without leaving your car. Additionally, as part of a larger network of shared service centers, members can conduct basic transactions with partner credit unions across the country. Community outreach is at the heart of what we do at Sound. We actively participate in local events and initiatives aimed at uplifting those in need. Through partnerships with various organizations, we work tirelessly to provide support where it matters most. We invite you to join the Sound family and experience firsthand the benefits of being a member with us. With total assets exceeding $2.98 billion and a dedicated team ready to assist you, your financial journey is safe in our hands. Visit us during our operating hours Monday through Friday from 9 AM to 5:30 PM and Saturday from 9 AM to 1 PM or give us a call at 253-383-2016. Together, let's build a brighter future!

Branch Location & Accessibility

Convenient Access and Nearby Landmarks

Located right off Key Peninsula Highway, we're just a stone's throw away from the stunning views of the Puget Sound and the tranquil atmosphere of nearby parks. Our location offers ample parking spaces for your convenience. Plus, we are proud to ensure that our facilities are ADA compliant, making it easy for everyone to access our services without any hassle.

Let Us Help You Today!

Our team is ready to assist you with everything from opening checking and savings accounts to guiding you through auto loans or mortgage options. Feel free to reach out by calling us at 253-383-2016 if you have any questions or need assistance before your visit. Join us at Sound's Key Center Branch today we can't wait to welcome you!

Operating Hours Designed for You

At Sound's Key Center Branch, we value your time. Our doors are open Monday through Friday from 9 AM to 5:30 PM and Saturday from 9 AM to 1 PM. This schedule allows you to visit us during hours that fit your busy lifestyle.

Services Tailored to Your Needs

We offer a variety of services designed with you in mind. Need quick cash? Use our ATM available on-site or take advantage of our drive-thru banking for simple transactions like deposits and withdrawals. We also provide shared services for members of partner credit unions, ensuring you have access to essential banking functions wherever you go.

Member Eligibility

At Sound, we believe that everyone deserves access to financial services that empower their lives. Becoming a member is easy and welcoming! If you live, work, or worship in the communities surrounding us, you're already eligible to join our credit union family. We prioritize building strong relationships with our members and providing support tailored to your unique needs. Plus, as a member, you'll enjoy benefits like competitive rates on loans and savings, personalized service, and community-focused initiatives. To start your journey with us, simply visit our branch at 8920 Key Peninsula Hwy Nw Lakebay Wa 98349 or give us a call at (253) 383-2016. For more detailed eligibility criteria, check out our resource page. We can't wait to welcome you into the Sound community!

Business Banking & Commercial Services

Merchant Services that Matter

Imagine running your business without the hassle of payment processing concerns. Our merchant services streamline transactions, allowing you to focus on what you do best. From accepting card payments to managing online sales, we provide tools that fit into your daily operations seamlessly. Located at 8920 Key Peninsula Hwy Nw Lakebay Wa 98349 in Lakebay, WA, we're here to help your business thrive. Reach out at (253) 383-2016 for personalized assistance!

Tailored Loan 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.

Comprehensive List Of Services

Business Solutions

For our business members, we offer essential banking services including merchant services and business loans. Running a business is challenging enough; let us simplify your banking needs so you can focus on what matters most growing your business.

Convenient Access

Our branch also provides ATM services for quick cash withdrawals and balance checks. If you're in a hurry, utilize our basic drive-thru service for deposits and simple transactions without leaving your vehicle. And if you're a member of another partner credit union, take advantage of shared branch transactions where you can easily deposit or withdraw funds. We invite you to visit Sound in Lakebay or call us at 253-383-2016 to learn more about how our services can benefit you. Our friendly staff is here Monday through Friday from 9 am to 5:30 pm and Saturday from 9 am to 1 pm ready to assist with any questions or needs you might have. Explore the financial possibilities with us today!

Credit Cards That Reward You

Don't forget about our credit cards with rewards! These cards not only allow you to make purchases but also earn points that can be redeemed for exciting rewards. It's like getting paid to shop!

Financing Your Dreams

When it comes to financing a vehicle or buying a home, we offer competitive auto loans and mortgage options tailored just for you. Picture yourself driving off in a new car or settling into the home you've always wanted our team is here to guide you through the process with personalized support. We also provide personal loans for those moments when you need extra cash, whether it's for debt consolidation or unexpected expenses.

Personal Banking Made Easy

Our personal banking services include checking and savings accounts that help you keep track of your money effortlessly. Imagine being able to access your funds anytime through our online and mobile banking platforms. You can check balances, make transfers, and even pay bills right from your phone. Plus, with features like mobile payments and e-statements, managing your finances has never been more convenient.

Digital & Online Banking

Convenient Online Banking

With our 24/7 online banking services available at https://www.soundcu.com/, you can check balances, transfer funds, and pay bills whenever it suits you. No more rushing to the bank before it closes your account is accessible around the clock. Plus, our electronic signature authorization makes it quick and easy to complete transactions securely, so you can manage your finances without any hassle.

E-Statements and Mobile Features

Say goodbye to paper clutter! We provide e-statements for a more eco-friendly option that allows you to view your account statements online. This not only helps the environment but also keeps your information organized and easily accessible. For those who prefer managing their money on-the-go, our mobile application is perfect for you. It features mobile payments, making shopping quick and convenient right from your smartphone. You can also send money easily with our person-to-person transfer feature no need for cash or checks!

Security and Support

Security is a top priority at Sound. Our online platform uses advanced encryption technologies to keep your personal information safe while you bank online or through our mobile app. We're committed to providing a secure experience, so you can focus on what matters most your financial well-being. Whether you're looking to check your balance, make payments, or transfer funds, Sound has the digital tools to meet your needs with ease. Join us today and experience banking designed for your lifestyle!

Financial Strength

Community Trust

Total Share Accounts: 318,778, show a strong and growing member base that trusts us with their finances. Net Shares (Funds available for lending and investments): $2,854,249 further highlight our focus on providing valuable services tailored to your needs. 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 8920 Key Peninsula Hwy Nw Lakebay Wa 98349 or call (253) 383-2016 to learn more about how we can help you achieve your financial goals.

Operational Efficiency

Our commitment to excellence is reflected in our operational efficiency; our $7,140,523 showcases this dedication. This enables 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 Your Benefit

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 lending capacity is substantial; 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.

Secure Savings Opportunities

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.

Strong 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 provide 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. We offer flexible terms and competitive interest rates, ensuring that you can find an option that works for your budget.

Credit Lines and Commercial Loans

For those needing additional flexibility, we provide credit lines totaling $547,290,089, allowing you to borrow as needed and pay interest only on what you use. Additionally, our outstanding commercial loans totaling $673,966,414 support local businesses with essential capital for growth and expansion. At Sound, we believe in making financing accessible and straightforward. Whether you're interested in applying for a loan or exploring refinancing options, our dedicated team is here to help you navigate your choices seamlessly. For detailed insights and performance data regarding our services and products, please refer to the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. Reach out today and take the first step towards achieving your financial aspirations!

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. Whether you're looking for your first home or considering refinancing your current mortgage, we are here to guide you through the process.

Unsecured Credit Card Loans

We also offer flexible terms on unsecured credit card loans, with a total of $69,986,124 in loans helping members manage their finances effectively. This option allows you to access funds without collateral while enjoying the convenience of credit for everyday purchases.

Loan Aggregator

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SOUND CREDIT UNION - Lakebay, WA

Type of Loan Offerings

Home Equity Loans

Personal Loans

Student Loans

Vehicle Loans

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