Sound Credit Union Lynnwood WA | Top Checking & Mortgage Loans

Introduction

Welcome to Sound, your trusted partner in financial wellness since 1940! Located at 5901 196Th St Sw, Lynnwood, WA 98036, our credit union is more than just a place to bank; we are a community-focused institution dedicated to empowering our 163,882 members through personalized service and financial education. At Sound, we pride ourselves on our solid foundation, boasting total assets of $2,982,146,348 and total deposits reaching $229,438,843. This stability allows us to offer a wide array of services tailored to meet your needs whether you're looking for checking and savings accounts, auto loans, or mortgages. Our commitment to member satisfaction is reflected in our robust offerings and the caring support provided by our team of 427 employees, led by CEO Don Clark and Board President John Bauder. While members can visit us at the branch address mentioned above for face-to-face assistance or to utilize our drive-thru services, official correspondence should be sent to our mailing address at PO Box 1595, Tacoma, WA 98401. Whether you are exploring loans (with a total portfolio of 84,672) or simply want to learn more about managing your finances effectively, we invite you to reach out. Call us at 253-383-2016 or visit us online at Sound Credit Union for more information. Join us as we continue to make a positive impact in the lives of our members and the wider community!

Branch History & Mission

A Legacy of Service

From our humble beginnings, we've always aimed to empower our members through various financial solutions. Our services include personal banking options like checking and savings accounts, auto loans, mortgage loans, and credit cards with rewards. We also cater to businesses by offering merchant services and business loans. As technology progressed, so did we; today, we provide online and mobile banking options that make it easier than ever for members to manage their finances. Our mission goes beyond just providing financial products; we believe in uplifting our community. This commitment is evident through our active participation in local outreach programs and partnerships with various organizations aimed at supporting those in need.

Community Focus

At Sound, we understand that true financial well-being includes more than just money. That's why we emphasize community support and engagement in everything we do. Whether it's sponsoring local events or hosting financial literacy workshops, we're dedicated to making a positive impact on the lives of those around us. While members can visit us at 5901 196Th St Sw Lynnwood Wa 98036, official correspondence should be sent to PO Box 1595, Tacoma, WA 98401. We invite you to reach out at 253-383-2016 during our operating hours Monday through Friday from 9 AM to 5:30 PM for any inquiries or assistance.

Join Us Today

As we look toward the future, we remain committed to innovation while staying true to our roots. If you're seeking a credit union that genuinely cares about its members and community, look no further than Sound. Experience the benefits of membership firsthand by joining us today!

Branch Location & Accessibility

Accessibility and Services

At Sound, we prioritize making banking easy for everyone. Our branch features ADA-compliant access with ramps and designated parking spots to ensure that all members feel welcome. For those who prefer a drive-thru experience, we offer convenient drive-thru banking services for simple transactions like deposits and withdrawals. Our operating hours are designed to fit your busy schedule. We're open Monday through Friday from 9 AM to 5:30 PM, giving you plenty of time to stop by after work or during lunch breaks. If you need assistance outside of these hours, feel free to reach out at 253-383-2016; our friendly staff is here to help.

Banking Made Easy

We understand that banking should be hassle-free. That's why we provide ATM availability on-site for quick cash withdrawals and balance checks. Additionally, as a shared service center, we can assist members from partner credit unions with basic transactions like deposits and withdrawals. Whether you're looking for personal banking solutions like checking accounts and auto loans or business services such as merchant accounts, our team is ready to guide you through the options available. We invite you to visit Sound's Lynnwood Branch today! Stop by or give us a call; we look forward to helping you achieve your financial goals!

Member Eligibility

At Sound, we believe that everyone deserves the chance to be part of a supportive financial community. Joining us is simple and welcoming! To become a member, you just need to meet a few friendly eligibility criteria. Whether you're a resident of our local area, an employee of one of our partner organizations, or even a family member of an existing member, you may qualify for membership. We're here to help guide you through the process, so you can enjoy all the benefits of being part of Sound. For detailed information about eligibility requirements, feel free to visit this link. Opening an account is straightforward and designed with your convenience in mind. You can reach out to us at (253) 383-2016 if you have any questions or would like assistance during your application. Our branch, located at 5901 196Th St Sw Lynnwood Wa 98036, is ready to welcome you into our family!

Business Banking & Commercial Services

Commercial 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.

Merchant Services

In addition to loans, our merchant services are designed to make transactions easier for your business. Imagine a busy Saturday at your local café where customers can pay quickly and securely using their preferred methods. Our services ensure that you can accept payments seamlessly, allowing you to focus on what matters most delivering great products and service. Join us at Sound, located at 5901 196Th St Sw Lynnwood Wa 98036 in Lynnwood, WA, and let us partner with you on your journey to success. For more information, call us at (253) 383-2016 or visit our website at https://www.soundcu.com .

Comprehensive List Of Services

Additional Services

Our commitment doesn't stop at traditional banking; we also offer essential services like basic drive-thru banking for quick transactions and shared branch transactions for members of partner credit unions. This means you can deposit or withdraw funds easily even when you're away from home. At Sound, we believe in making banking accessible and straightforward for everyone. If you're ready to take control of your financial future or have questions about any of our services, don't hesitate to reach out! You can call us at (253) 383-2016 during our lobby hours from Monday through Friday between 9 AM and 5:30 PM. Explore how we can assist you today by visiting us at our website. Your journey toward financial empowerment starts here!

Business Banking Services

For our local entrepreneurs and businesses, we offer specialized services designed to help you thrive. From merchant services that simplify transactions to business loans that fund growth initiatives, we're committed to supporting your success. We know that running a business involves many moving parts, and having a reliable banking partner can make all the difference.

Convenient Digital Banking Features

In today's fast-paced world, convenience is key. That's why we provide robust online and mobile banking features that let you manage your finances from anywhere. With just a few taps on your smartphone or clicks on your computer, you can check balances, pay bills, transfer funds, and more all without needing to visit the branch. Our ATM services ensure that you have easy access to your cash whenever you need it.

Personal Banking Solutions

We understand that managing finances can sometimes feel overwhelming. That's why we offer various personal banking options, including checking and savings accounts that cater to your everyday needs. If you're planning to buy a car, our auto loans and vehicle financing make it easier than ever to get behind the wheel with favorable terms and competitive rates. For those considering homeownership or refinancing, our mortgage loans provide flexibility and support throughout the process. Additionally, if you're facing unexpected expenses or looking to consolidate debt, our personal loans can provide quick access to cash when you need it most. Don't forget about our credit cards with rewards, which allow you to earn benefits while making everyday purchases.

Digital & Online Banking

Key Services Available

With just a few clicks at https://www.soundcu.com/ , you can access your account information, make transfers, and manage your finances all in one place. Our 24/7 online banking service allows you to check balances, pay bills, and view transaction history whenever it suits you. Plus, with our electronic signature authorization feature, you can complete important transactions securely without the need for paper forms. For those who prefer a more modern approach, we also offer e-statements. Gone are the days of waiting for paper statements in the mail; instead, you can opt for quick and easy access to your financial documents online. This feature not only saves you time but also helps reduce clutter.

Mobile Features for Your Convenience

With our user-friendly mobile application, available on both Android and iOS platforms, managing your money has never been easier. You can enjoy mobile payments that let you make purchases directly from your smartphone. Additionally, our person-to-person transfer feature allows you to send money easily to friends or family members perfect for splitting bills or sending gifts. At Sound, we prioritize security and convenience. Our digital banking services are designed with multiple layers of security to protect your personal information while ensuring a smooth user experience. So whether you're checking your account balance or transferring funds, rest assured that you're doing so safely. Join us at Sound today to experience all the benefits of our digital banking services!

Financial Strength

Commitment to Innovation and 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 lending capacity supports your financial goals across various sectors with $32,794 in used auto loans and $2,334,975,424 in total loans and leases.

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 available for lending and investments stand at $2,854,249, further demonstrating our robust position in the market. 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 5901 196Th St Sw Lynnwood Wa 98036 or call (253) 383-2016 to learn more about how we can help you achieve your financial goals.

Member-Centric 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 commitment to operational efficiency is reflected in our $10,962,029, which 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.

Strong Financial Position

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 $1,142 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 interested in financing a brand-new model or a reliable pre-owned vehicle, our team is here to guide you through the process and find the best solution for your situation.

Business Financing

For business owners, our outstanding commercial loans totaling $673,966,414 provide the capital needed to grow and expand. Whether you're looking to invest in new equipment or increase your inventory, our loan officers are ready to assist you with tailored solutions.

Credit Card Options

We also provide flexible terms on unsecured credit card loans, with a total of $69,986,124 in loans helping members manage their finances effectively. These cards come with benefits that can help you earn rewards while making everyday purchases.

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 pride ourselves on offering competitive rates and flexible terms that cater to various budgets and financial situations.

Refinancing and Eligibility Options

If you're considering refinancing any existing loans, we encourage you to reach out. Our team can help assess your current financial situation and discuss eligibility options that could lead to lower payments or better terms. With various loan options available at Sound, located at 5901 196Th St Sw Lynnwood Wa 98036, Lynnwood, WA, we aim to support our members every step of the way. For more information or to discuss your specific needs, feel free to give us a call at (253) 383-2016 during our operating hours, Monday through Friday from 9 AM to 5:30 PM. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov , based on the latest results. We're here for you let's work together towards achieving your financial aspirations!

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SOUND CREDIT UNION

Type of Loan Offerings

Home Equity Loans

Personal Loans

Vehicle Loans