Sound Credit Union Lakebay WA | Low Mortgage Rates & ATM Services

Introduction

Welcome to Sound, your trusted credit union located at 8920 Key Peninsula Hwy Nw, Lakebay, WA 98349. Since our establishment in 1940, we have been dedicated to serving our community with integrity and care. With a membership of over 163,882 individuals, we pride ourselves on being more than just a financial institution; we are a partner in your journey towards financial wellness. At Sound, our commitment to you is reflected in our strong financial foundation. We currently boast total assets of $2,982,146,348 and total deposits of $229,438,843, ensuring that your money is not only safe but also working for you. Our net worth stands at an impressive $341,018,475, underlining our stability and reliability. With $24,826,562 in cash readily available and a robust loan portfolio consisting of 84,672 loans and leases, we're here to support all your borrowing needs. Our leadership team is dedicated to fostering a supportive environment. CEO Don Clark and Board President John Bauder lead with a vision that prioritizes member satisfaction and community impact. Our team of 427 employees is committed to providing exceptional service during our lobby hours from Monday to Friday, 9 AM to 5:30 PM, and on Saturdays from 9 AM to 1 PM. While members can visit us at our branch location for personal banking services including checking and savings accounts, auto loans, mortgages, and business loans official correspondence should be sent to our mailing address: PO Box 1595, Tacoma, WA 98401. We invite you to explore what Sound has to offer by visiting our website at https://www.soundcu.com or giving us a call at 253-383-2016. Let us help you achieve your financial goals today!

Branch History & Mission

At Sound, our story began in 1940 when we first opened our doors to the community of Lakebay, WA. Nestled at 8920 Key Peninsula Hwy Nw, our branch has grown significantly over the decades. Today, with a proud membership of 163,882 and total assets reaching an impressive $2,982,146,348, we are more than just a financial institution; we are a vital part of the community. Our mission is clear: to enhance the financial well-being of our members while fostering a spirit of community support. We believe that everyone deserves access to quality financial services, and that's why we offer a range of products including checking and savings accounts, auto loans, mortgages, and credit cards with rewards. Our commitment goes beyond just banking; we strive to empower our members through education and resources tailored to their unique needs. While members can visit us at 8920 Key Peninsula Hwy Nw, official correspondence should be sent to PO Box 1595, Tacoma, WA 98401. This dual address highlights our connection not only to Lakebay but also to our headquarters in Tacoma. As technology evolves, so do we. Our branch embraces digital advancements like online banking and mobile payments to ensure convenience for all members. We also provide ADA-compliant facilities to make banking accessible for everyone. With ATM availability and drive-thru service, accessing your finances has never been easier. Sound is deeply rooted in community outreach initiatives. We partner with local organizations to provide support where it's needed most. Whether through financial literacy programs or local sponsorships, we aim to uplift those around us. We invite you to join us at Sound and experience firsthand the benefits of being part of a credit union that truly cares about its members and the community. Together, let's achieve your financial goals! For inquiries or assistance, feel free to call us 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.

Branch Location & Accessibility

Contact Us

Got questions? Don't hesitate to reach out! Call us at 253-383-2016. We're here to help you every step of the way. While members can visit us at 8920 Key Peninsula Hwy Nw Lakebay Wa 98349, official correspondence should be sent to PO Box 1595 in Tacoma, WA. Come visit us today at Sound Key Center Branch where your financial needs come first!

Nearby Landmarks and Accessibility

Nestled near the stunning views of Key Peninsula, our branch is close to popular spots like the scenic Penrose Point State Park. You can easily find us just off the highway, with ample parking available right outside. We pride ourselves on being accessible to everyone, including those with mobility challenges. Our facilities are ADA compliant and include ramps for easy entry.

Operating Hours and Services

We understand that life gets busy, which is why we offer flexible hours to fit your schedule. You can visit us Monday through Friday from 9 AM to 5:30 PM, and we're open Saturday from 9 AM to 1 PM for those who need a little extra time to manage their finances. Whether you need personal banking services, auto loans, mortgage options, or even business banking solutions, we've got you covered. If you're in a hurry, take advantage of our drive-thru service for quick deposits and withdrawals. Plus, you can access cash anytime with our ATM on-site. For members of partner credit unions, we also provide basic shared branch transactions.

Member Eligibility

At Sound, we believe that everyone deserves a chance to be part of a welcoming community where their financial needs are prioritized. Becoming a member is straightforward and inclusive! If you live, work, worship, or attend school in the area around 8920 Key Peninsula Hwy Nw Lakebay Wa 98349, you're likely eligible to join us. We also extend our membership to immediate family members of current members, making it even easier to bring loved ones into our supportive fold. To learn more about the specific eligibility criteria, feel free to visit this resource: . Joining Sound not only opens the door to a variety of personal banking services tailored just for you but also connects you with a local team that genuinely cares about your financial well-being. Whether you're looking for checking and savings accounts, loans, or credit cards with rewards, we've got options designed to fit your life. The process is simple; just give us a call at (253) 383-2016 or stop by our branch during operating hours. We can't wait to welcome you into the Sound family!

Business Banking & Commercial Services

Merchant Services That Matter

In addition to loans, our merchant services simplify payment processing so you can focus on running your business. Imagine being able to accept payments easily from your customers whether it's through credit cards or mobile payments without any hassle. This not only improves cash flow but also enhances customer satisfaction. For more information about how our business banking and commercial services can support your growth, visit us at 8920 Key Peninsula Hwy Nw Lakebay Wa 98349 or call us at (253) 383-2016. Your success is our priority!

Tailored Loan Solutions

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. Whether you're looking to purchase equipment or expand your operations, our member-focused approach ensures you get the funding you need when you need it. We also support the broader business community with $36 in non-member commercial loans, providing flexible financing solutions that cater to diverse needs. With an outstanding commercial loan portfolio of $673,966,414, we continue to drive economic growth by financing new and expanding businesses in the Lakebay, WA area.

Comprehensive List Of Services

Community Focused Services

We're proud to partner with other credit unions through shared branch transactions, meaning if you're a member of another participating credit union, you can still make deposits and withdrawals at our branch. This added convenience ensures that no matter where life takes you, your finances are always within reach. Our commitment extends beyond just transactions; it's about building relationships within the community. At Sound, we're more than just a financial institution we're part of your journey toward financial success. Ready to take the next step? Visit us at 8920 Key Peninsula Hwy Nw Lakebay Wa 98349 or call (253) 383-2016 today! Let us help you explore how our comprehensive list of services can meet all your banking needs.

Convenient Digital Banking Solutions

In today's fast-paced world, convenience is key. That's why we offer robust online and mobile banking features. With just a few taps on your smartphone or clicks from your computer, you can check balances, transfer funds, and pay bills from anywhere! Our ATM services provide easy access to cash whenever needed, while our drive-thru banking allows for quick transactions without leaving your car.

Personal Banking Made Easy

Whether you're looking to open a checking or savings account, our personal banking services have got you covered. Imagine having easy access to your funds whenever you need them, along with competitive interest rates that help your savings grow over time. We also offer auto loans and vehicle financing, making it easier for you to hit the road in style without breaking the bank. If you're considering buying a home, our mortgage loans and refinancing options can provide the support you need. We'll work with you to find a plan that fits your budget, allowing you to enjoy homeownership with peace of mind. For those unexpected expenses or big purchases, personal loans and debt consolidation options are available too, giving you the flexibility to manage your finances effectively. And let's not forget about our credit cards with rewards because who doesn't love earning points for their everyday spending?

Supporting Local Businesses

At Sound, we also believe in empowering local businesses through our business banking solutions. From merchant services that simplify payment processing to business loans tailored for various needs, we are here to support your entrepreneurial journey.

Digital & Online Banking

Accessibility & Ease of Use

Our user-friendly platform makes it easy for everyone to navigate through their accounts. With real-time account management, you'll always know where you stand financially. The combination of our robust security measures and intuitive design means that you can bank confidently and conveniently. Whether you're at home or out and about, Sound ensures that your banking experience is not only accessible but also enjoyable. Dive into the world of digital banking today your financial management is just a click away!

Key Services Available

Visit us at https://www.soundcu.com/ to explore our range of online banking features. Whether you want to check your balance, transfer funds, or pay bills, our 24/7 online banking services ensure that you have complete control over your finances whenever you need it. Plus, with our mobile application, managing your money has never been easier. You can make mobile payments and conduct person-to-person transfers with just a tap on your smartphone. Security is a top priority at Sound. We offer electronic signature authorization for documents, making it simple and secure to handle important transactions without the hassle of printing or mailing paperwork. Additionally, e-statements are available so you can keep track of your financial activity while reducing paper clutter.

Financial Strength

A Strong Foundation

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. This robust net worth is complemented by our net worth ratio of $1,142, which demonstrates a solid capital foundation. This means that we can continue providing loans, competitive savings rates, and uninterrupted services even in uncertain economic times.

Growing Together

Total Share Accounts stand at 318,778, showing a strong and growing member base that trusts us with their finances. Our Net Shares (Funds available for lending and investments) amount to $2,854,249 an indicator of how well-positioned we are to support your future 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.

Member Savings and Investments

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 who are always ready to serve you with a knowledgeable, committed team.

Reinvestment in Our Community

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 extends to supporting our community through lending. We have $32,794 in used auto loans and a total of $2,334,975,424 in loans and leases to help you achieve your financial goals.

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 purchasing a brand-new vehicle or a reliable used option, our competitive interest rates and flexible terms make it easier than ever to drive off with confidence.

Business Solutions

For business owners, our outstanding commercial loans totaling $673,966,414 provide the capital needed to grow and expand. Whether you need funds for equipment, inventory, or other business expenses, we have solutions designed for all sizes of businesses.

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. These cards come with rewarding benefits that can help you maximize your spending power while keeping your budget in check.

Credit Lines and Refinancing Options

With total credit lines amounting to $547,290,089, we offer various financing solutions that allow for flexibility and convenience. If you're considering refinancing any existing loans, we can guide you through the process to find the best options available. No matter what your borrowing needs are, Sound is here to support you every step of the way. Don't hesitate to reach out at (253) 383-2016 or visit us during our operating hours: Monday - Friday from 9 AM - 5:30 PM and Saturday from 9 AM - 1 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. Join us today and let's work together toward achieving your financial dreams!

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 offer various mortgage products designed to fit different needs, whether you're a first-time buyer or looking to refinance your current home.

Loan Aggregator

Benefits of Using LendMesh

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How LendMesh Ensures Accurate Loan 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 ), ensuring fair and transparent offers. This commitment to accuracy means users can trust the information they receive when comparing different loan options.

SOUND

Type of Loan Offerings

Home Equity Loans

Personal Loans

Vehicle Loans