Sound Credit Union Lynnwood WA | Best Auto Loans & Business Banking

Introduction

Welcome to Sound, your trusted financial partner located at 5901 196Th St SW, Lynnwood, WA 98036. Since our establishment in 1940, we have been dedicated to serving our members and the community with integrity and commitment. With a robust membership of over 163,882 individuals, we take pride in being more than just a credit union; we are a community-focused institution that values relationships and strives to make a difference in the lives of our members. At Sound, we manage total assets of $2,982,146,348, ensuring that your hard-earned money is safe and sound. We offer a variety of services designed to meet your personal and business banking needs, from checking and savings accounts to auto loans and mortgages. Our total deposits stand at $229,438,843, reflecting the trust our members place in us. Led by CEO Don Clark and Board President John Bauder, our team of 427 employees is here to provide personalized service that meets your unique financial needs. We understand that each member's journey is different, which is why we offer tailored solutions such as online banking, mobile payments, and personal loans designed for flexibility and convenience. If you need assistance or have questions about our services, don't hesitate to reach out! Call us at 253-383-2016 or visit us during our operating hours from Monday to Friday, 9 AM to 5:30 PM. While members can visit us at our Lynnwood location for all their banking needs, please note that any official correspondence should be sent to our mailing address at PO Box 1595, Tacoma, WA 98401. Join us today at Sound where your financial goals become our mission! For more information on what we offer and how we can assist you further, explore our website at soundcu.com.

Branch History & Mission

Welcome to the story of Sound, a credit union deeply rooted in the heart of Lynnwood, WA. Since its inception in 1940, Sound has been dedicated to serving our community with a commitment that has only grown over the years. With a total membership of 163,882 and assets exceeding $2.98 billion, we have evolved into a trusted financial partner for countless individuals and families in our area. Located at 5901 196th St SW, Lynnwood, WA 98036, our branch is not just a place for banking; it's a community hub where relationships flourish. You can easily find us near local landmarks that highlight the vibrant culture of Lynnwood. Whether you're coming in for personal banking or looking to explore our business services, our doors are open to welcome you. At Sound, our mission is clear: we strive to provide exceptional financial services while actively supporting the communities we serve. This means offering personal banking options like checking and savings accounts, auto loans, mortgages, and more all designed with your needs in mind. Our approach goes beyond traditional banking; we aim to empower every member through education and personalized service. As technology advances, so do we. Our digital initiatives ensure that members can access their accounts anytime through online and mobile banking platforms. We prioritize accessibility with features like ADA compliance and secure electronic signatures, making it easier for everyone to manage their finances comfortably. While members can visit us at our Lynnwood branch for all their banking needs, official correspondence should be sent to our mailing address: PO Box 1595, Tacoma, WA 98401. Community involvement is another pillar of our mission at Sound. We believe in giving back and creating partnerships that foster growth and opportunity within Lynnwood and beyond. From local events to educational workshops, we are dedicated to enhancing the lives of those around us. Our operating hours are convenient for your busy schedule: Monday through Friday from 9 AM to 5:30 PM. We also offer drive-thru service and ATM availability for added convenience. We invite you to join the Sound family! Experience the benefits of being part of a credit union that cares about your financial well-being and community support. Together, let's build a brighter future for all! If you have questions or need assistance, feel free to call us at 253-383-2016.

Branch Location & Accessibility

Welcome to Sound's Lynnwood Branch, conveniently located at 5901 196Th St SW in the heart of Lynnwood, WA. Our branch is easy to find and access, making your banking experience as smooth as possible. If you need to send us any official correspondence, please address it to our mailing address: PO Box 1595, Tacoma, WA 98401. Situated near popular landmarks like the Lynnwood Convention Center and just a short drive from Alderwood Mall, our location is perfect for both locals and visitors alike. We pride ourselves on providing accessible services for everyone. Our branch is equipped with ADA-compliant features, including ramps and spacious parking areas, ensuring that all members can visit us comfortably. At Sound's Lynnwood Branch, we're here to serve you during our convenient operating hours Monday through Friday from 9 AM to 5:30 PM. Whether you're looking to open a checking account or apply for an auto loan, our friendly staff is ready to assist you with all your banking needs. We also offer a range of services designed to make your banking experience easy and efficient. With ATM availability and drive-thru banking options, you can complete simple transactions without stepping inside the branch if that's what you prefer. Plus, for those who are members of partner credit unions, we provide shared services so you can access your accounts seamlessly. If you have any questions or need assistance, don't hesitate to give us a call at 253-383-2016. We invite you to visit us at Sound's Lynnwood Branch and see how we can help you achieve your financial goals!

Member Eligibility

At Sound, we believe that everyone deserves a chance to be part of a community that truly cares. Joining us is simple and welcoming! To become a member, you just need to meet some basic eligibility criteria, which primarily include living, working, or attending school in the areas we serve. If you're ready to take this step towards better financial solutions, please check out the detailed eligibility information available at . Once you've confirmed your eligibility, opening an account is a breeze! Just give us a call at (253) 383-2016, and our friendly staff will guide you through the process. We're here to help you every step of the way and ensure you feel right at home as part of the Sound family. Don't hesitate to reach out; we look forward to welcoming you!

Business Banking & Commercial Services

Merchant Services That Matter

Imagine running your business smoothly with tools that simplify transactions and improve customer experiences. Our merchant services are designed to help you accept payments easily, manage sales efficiently, and keep your cash flow healthy. You can focus on what you do best while we handle the details. Located at 5901 196Th St Sw Lynnwood Wa 98036 in Lynnwood, WA, we're here to partner with you on your path to success. Reach out today at (253) 383-2016 to learn more about how our business banking solutions can help you thrive!

Tailored Business 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

Auto Loans & Vehicle Financing

Thinking about buying a new car? At Sound, our auto loans and vehicle financing options are designed to help you hit the road with confidence. We understand that finding the right vehicle is a big decision, so we offer competitive rates and flexible terms that suit your budget. Picture yourself driving off in that new ride without the stress of complicated financing.

Business Banking Services

For local businesses in Lynnwood, we offer specialized banking solutions including merchant services and business loans. We understand the unique challenges faced by entrepreneurs and are committed to supporting their growth through tailored financial products.

Call to Action

Ready to experience all that Sound has to offer? Visit us today in Lynnwood, WA, or check out our website at Lynnwood Branch for more information on how we can help enhance your financial future!

Convenient Access

At Sound, convenience is key. With an ATM available at our branch location, cash withdrawals are quick and easy. For those who prefer in-person assistance, our drive-thru service allows you to complete basic transactions like deposits and withdrawals without ever leaving your car. In addition, if you're a member of another credit union participating in shared branching, you can conduct basic transactions here as well. This means more accessibility wherever you are! Whether you're visiting us at our branch located at 5901 196Th St Sw Lynnwood Wa 98036 or reaching out via phone at (253) 383-2016, our dedicated staff is ready to assist you with any financial needs or questions.

Credit Cards with Rewards

With our credit cards offering rewards, every purchase becomes an opportunity to earn back! Imagine using your card for groceries or gas and getting rewarded for it be it cashback or points redeemable for travel or merchandise. It's a simple way to enhance your spending power while enjoying additional perks.

Mortgage Loans & Refinancing

Homeownership is within reach with our mortgage loans and refinancing options. Whether you're purchasing your first home or looking to refinance an existing mortgage for better rates, we're here to guide you through every step. Our team will work closely with you to ensure that you find the best loan product that fits your financial goals.

Personal Banking Solutions

When it comes to personal banking, we offer a variety of checking and savings accounts tailored to fit your lifestyle. Imagine having easy access to your funds whenever you need them whether it's for everyday expenses or building your savings. Our online and mobile banking services make it simple to manage your accounts on the go. You can check balances, transfer funds, and even make person-to-person payments with just a few taps on your smartphone.

Personal Loans & Debt Consolidation

Life can throw unexpected expenses your way, but with our personal loans, you can tackle those challenges head-on. Whether it's consolidating debt or funding a special project, we provide straightforward solutions without hidden fees. Our goal is to empower you financially so that you can focus on what truly matters.

Digital & Online Banking

Key Features

One of the standout features of our online banking is the ability to set up e-statements. This not only helps reduce paper clutter but also provides you with immediate access to your financial statements whenever you need them. Plus, our electronic signature authorization makes it easier than ever to complete transactions securely without needing to visit a branch. Need to send money quickly? Our person-to-person transfer feature allows you to send funds to friends or family instantly no checks needed! And if you're out shopping, take advantage of our mobile payments feature for a quick and secure checkout process right from your smartphone. For those who prefer managing their accounts on the move, our mobile application is available for download. It offers all the functionalities of online banking in a user-friendly format tailored for mobile devices. At Sound, we prioritize your security while providing these modern conveniences. With robust encryption and authentication measures in place, you can feel confident that your information is protected every step of the way. In summary, whether you're checking your balance during lunch or sending money to a friend while out and about, our digital and online banking services make managing your finances simple and secure. Join us at Sound today and experience banking made easy!

Financial Strength

At Sound, financial security is not just a goal it's a promise. Our members count on us for stability, and we take that responsibility seriously. We want you to feel confident in the strength of your credit union, knowing that we are here to support your financial journey. 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. 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. 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 is reflected in the $32,794 in used auto loans and $2,334,975,424 in total loans and leases. This robust lending capacity supports our members' financial goals across various sectors. Our operational efficiency shines through with a net income of $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. Net Shares (Funds available for lending and investments): $2,854,249. Total Share Accounts: 318,778, showing a strong and growing member base that trusts us with their finances. 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. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov , based on the latest results.

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, you can trust us to get you behind the wheel quickly and affordably. We also have refinancing options available if you're looking to lower your monthly payments or pay off your existing auto loan faster.

Business Financing

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 an existing one, we have solutions that can help propel your business forward. At Sound, we pride ourselves on being more than just a lender; we're your partner in financial success. Our dedicated team is here to assist you through every step of the lending process, ensuring you find the right product that meets your needs. For more information about our loan offerings or to discuss your options further, please don't hesitate to contact us at (253) 383-2016 or visit us at our branch located at 5901 196Th St Sw Lynnwood Wa 98036 in Lynnwood, 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.

Mortgage Loans

Thinking about homeownership? Our mortgage options make buying or refinancing simple. We offer Junior Lien 1-4 Family Residential Properties loans totaling $156,635,803, providing flexibility and affordability for potential homeowners. If you're interested in exploring eligibility options for a mortgage, feel free to reach out to our team.

Unsecured Credit Card Loans

Managing day-to-day expenses can sometimes be challenging. That's why 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 no hidden fees, making it easier for you to stay on top of your spending.

Loan Aggregator

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SOUND

Type of Loan Offerings

Home Equity Loans

Personal Loans

Vehicle Loans