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

Introduction

Welcome to Sound, your trusted partner in financial success since 1940. Located at 202 5Th Ave S, Edmonds, WA 98020, we are proud to serve a vibrant community of over 163,000 members. With total assets exceeding $2.98 billion, our commitment to providing exceptional banking services is unwavering. At Sound, we understand that every member's financial journey is unique. That's why we offer a range of personalized services including checking and savings accounts, auto loans, mortgage options, and even business banking solutions. Our team of 427 dedicated employees works tirelessly to ensure you receive the support and resources you need to achieve your financial goals. While members can visit us at our Edmonds branch, official correspondence should be sent to PO Box 1595, Tacoma, WA 98401. We invite you to explore the benefits of membership with Sound Credit Union, where your needs come first. Under the leadership of CEO Don Clark and Board President John Bauder, we strive to foster a welcoming environment focused on community impact. Whether you're seeking financial advice or looking for convenient banking options through our online and mobile platforms, we're here for you. With a net worth of $341 million and total deposits reaching $229 million, Sound is not just another credit union; we're a part of your community committed to your prosperity. Join us today and experience the difference firsthand! Feel free to reach out at (253) 383-2016 or visit us online at soundcu.com for more information on how we can assist you on your financial journey.

Branch History & Mission

At Sound, our journey began in 1940, right here in Edmonds, WA. Over the decades, we have transformed from a small credit union into a thriving financial institution that proudly serves over 163,000 members. Our branch is located at 202 5Th Ave S, conveniently situated near local shops and community centers, making it easy for our members to access our services. Since our inception, we have been committed to our mission: providing exceptional financial services while fostering a supportive community environment. We understand that banking is more than just transactions; it's about building relationships and empowering individuals. This mission drives us every day as we strive to improve the lives of our members through personalized banking solutions. With total assets exceeding $2.98 billion, we are equipped to offer a wide range of financial products including checking and savings accounts, auto loans, mortgage loans, personal loans, and business banking services. As technology has advanced, so have we. Our online and mobile banking platforms provide convenient access to accounts anytime, anywhere. Plus, with features like electronic signatures and mobile payments, managing your finances has never been easier. We pride ourselves on being an inclusive institution. Our commitment to accessibility ensures that everyone can take advantage of our services. We also offer shared service center options for members of partnering credit unions, further extending our reach within the community. Community engagement is at the heart of what we do. Through various outreach programs and partnerships with local organizations, we aim to make a positive impact in Edmonds and beyond. Whether it's financial literacy workshops or charitable contributions, we believe in giving back to those who support us. 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 necessary. Our branch operates Monday through Friday from 9 AM to 5:30 PM and Saturday from 9 AM to 1 PM, providing flexibility for busy schedules. We also feature an ATM for quick cash access and drive-thru banking for added convenience. Join us at Sound and experience the benefits of being part of a community-focused credit union that puts people first. We invite you to become a member today and discover how we can help you achieve your financial goals! For more information or assistance, feel free to call us at (253) 383-2016.

Branch Location & Accessibility

Accessibility Features

The Sound Edmonds Branch is fully accessible, featuring ADA-compliant entrances and ramps to ensure all our members can easily navigate our facility.

Get in Touch!

Have questions or want to learn more? Feel free to give us a call at 253-383-2016. We invite you to visit us at the Sound Edmonds Branch today and experience the friendly service and community-focused banking that sets us apart!

Nearby Landmarks and Parking

Our branch is just a short walk from local favorites like the beautiful Edmonds Waterfront and the vibrant downtown area, making it a breeze to combine errands with a scenic outing. We offer ample parking for our members, so you can visit us without worrying about finding a spot.

Operating Hours

We understand that life can be busy, which is why we're open Monday through Friday from 9 AM to 5:30 PM and on Saturday from 9 AM to 1 PM. Our drive-thru service is available during these hours as well, allowing for quick and convenient transactions without leaving your vehicle.

Services Offered

At Sound, we pride ourselves on providing comprehensive services tailored to meet your needs. From checking and savings accounts to auto loans and mortgage refinancing, we have something for everyone. Plus, our shared service center means you can conduct basic transactions even if you're a member of a partner credit union.

Member Eligibility

At Sound, becoming a member is like joining a caring family that puts your needs first. We welcome anyone who lives, works, or attends school in our community to join us and enjoy the benefits of membership. Whether you're looking for personal banking services, auto loans, or credit cards with rewards, we have something for everyone. To learn more about who can become a member, feel free to check out our eligibility details at . Opening an account is straightforward and inclusive just give us a call at (253) 383-2016 or visit us at 202 5Th Ave S Edmonds Wa 98020. We're excited to help you start your journey with us!

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 That Matter

Imagine easily accepting payments from customers without any hassle. Our merchant services enable you to process transactions seamlessly, giving you more time to focus on what you do best running your business. Whether you're a local shop owner or a service provider, our tailored solutions ensure you can serve your customers efficiently while keeping track of every dollar. Located conveniently at 202 5Th Ave S Edmonds Wa 98020 in Edmonds, WA, we invite you to reach out at (253) 383-2016 for personalized assistance. Let's work together to take your business further!

Comprehensive List Of Services

Business Banking Solutions

For business owners, our Business Banking services cater to all your financial needs. From Merchant Services that make accepting payments easy to various Business Loans designed to help grow your enterprise, we have the solutions to help your business thrive.

Collaborating with Other Credit Unions

As part of our commitment to serving our community better, we also offer basic shared branch transactions. This means members from partner credit unions can enjoy services like deposits and withdrawals right here at Sound, making banking more convenient than ever.

Credit Cards That Reward You

At Sound, we believe that your spending should benefit you. That's why we offer Credit Cards with Rewards, allowing you to earn points or cash back on everyday purchases. This way, every dollar spent brings you closer to something special.

Digital and Convenient Banking

We know how busy life can be, which is why our Online & Mobile Banking features are here to simplify your banking experience. With just a few taps on your smartphone or clicks on your computer, you can check balances, transfer funds, and even pay bills anytime, anywhere. Need cash? Our accessible ATM & Cash Withdrawal Services ensure that you can access your money when needed. Plus, for those quick transactions, our basic drive-thru service allows for easy deposits and withdrawals without leaving your car.

Join Us Today!

We invite you to visit us at 202 5Th Ave S Edmonds Wa 98020, or give us a call at (253) 383-2016 during our operating hours: Monday through Friday from 9 AM to 5:30 PM and Saturday from 9 AM to 1 PM. Discover how we can assist you in achieving your financial goals with ease and confidence. Let's embark on this journey together! For more information about our services or to get started today, explore our website at Edmonds Branch.

Personal Banking Made Simple

Whether you're opening a new checking account or saving for a big purchase, our Personal Banking options are designed with you in mind. We offer various Checking & Savings Accounts that help you manage your day-to-day finances while earning interest on your savings. If you're looking to finance a vehicle, our Auto Loans & Vehicle Financing are flexible and competitive, making it easier for you to get behind the wheel. When it comes time to purchase your dream home, our Mortgage Loans & Refinancing services will guide you through every step of the process, ensuring you find the best mortgage solution for your situation. Need extra cash for personal projects? Our Personal Loans & Debt Consolidation options can help lighten your financial load.

Digital & Online Banking

Key Features of Our Digital Banking Services

Our online banking platform is user-friendly and secure, providing you with peace of mind as you manage your finances. One of the standout features is our electronic signature authorization, which allows you to complete transactions without the need for paper forms. Plus, with e-statements available, you can easily access your financial documents without cluttering your mailbox. If you're always on the go, you'll love our mobile application. It gives you access to all your banking needs right from your smartphone. You can even set up mobile payments to make quick purchases without hassle. Sending money to friends or family? Our person-to-person transfer feature makes it simple and fast.

Why Choose Us?

We prioritize accessibility and ease-of-use in everything we do. Whether you're at home or out and about, you'll have real-time access to your accounts. Our commitment to security means you can bank with confidence, knowing that your information is protected every step of the way. Join us at Sound today, where managing your money is just a click away! For more information on how to get started with our online banking services, visit https://www.soundcu.com/ .

Financial Strength

Growing Member Trust

Total Share and Deposit Accounts: 318,778, showing a strong and growing member base that trusts us with their finances. Additionally, Net Shares (Funds available for lending and investments): $2,854,249 further exemplify our commitment to the community's financial well-being. 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-Centric Approach

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 operational efficiency is reflected in our $10,962,029, 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.

Reinvestment for Improvement

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.

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 $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 used car, we have options tailored just for you.

Business Loans

For business owners, our outstanding commercial loans totaling $673,966,414 provide the capital needed to grow and expand. We are dedicated to supporting local businesses by offering tailored solutions that fit their unique needs. In addition to these offerings, we have refinancing options available for those looking to improve their current loan terms. Whether it's consolidating debt or adjusting your mortgage rate, we can help find solutions that work best for your financial situation. If you're ready to take the next step or want more information about any of our loan products, please don't hesitate to reach out! You can contact us 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. We're here to support you on your financial journey!

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 aim to guide you through each step of the mortgage process, ensuring that you feel confident and informed along the way.

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. Our credit cards come with competitive rates and rewards that make everyday spending more rewarding.

Loan Aggregator

Benefits of Using LendMesh

- Verified Data: Loan offers are sourced from legitimate financial institutions, ensuring transparency. - No Sponsored Listings: LendMesh does not prioritize lenders based on paid promotions our goal is to provide unbiased results. - Real-Time Rate Comparisons: You can access up-to-date loan rates from multiple institutions, helping you make informed decisions about your financial future. Thousands of users trust LendMesh for their loan comparisons. One member shared, "LendMesh helped me find a lower mortgage rate in minutes, saving me thousands over the loan term!" This kind of feedback highlights how effective and reliable our service is. Compare real-time loan offers today at LendMesh and find the best rates for your needs. Disclaimer: Loan approvals and interest rates are subject to creditworthiness, income verification, and applicable federal and state regulations. Rates may vary based on financial institution guidelines.

How LendMesh Ensures Accurate Comparisons

Loan data on LendMesh is sourced directly from banks and credit unions that comply with National Credit Union Administration (NCUA) lending standards, based on the latest results (Source: https://www.ncua.gov ). This ensures that the offers you see are fair and transparent. Each financial institution listed has been verified to provide you with accurate loan details.

SOUND

Type of Loan Offerings

Home Equity Loans

Personal Loans

Vehicle Loans