Important Update About Debit Cards

Please activate and begin using your Sound debit cards immediately. Your Bank of Washington debit cards will no longer work.

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Whether it's a mortgage for your first house or a carPersonal Loans loan for your dream wheels, we're ready to help. We also offer custom construction loans, credit cards, and much more!

As a locally-owned organization, we make our lending decisions close to home, so the loan process is faster and more flexible than the bigger banks. And we often "portfolio" our loans rather than sell them on the secondary market, providing greater flexibility with non-conforming loan packages. We can meet all of your borrowing needs and give you the personalized service you deserve! Visit your local branch to apply for a loan and learn more.


In today's market, there are a variety of financing options available for the purchase or refinancing of residential property. At Sound, we have our own residential lending experts who can find the exact lending program to meet your mortgage needs. Interest rates can be fixed or variable, and you'll find our rates and fees are always competitive.  Contact your local branch to schedule an appointment to learn more about the benefits of working with a local lender.

Uniform Residential Loan Application  (PDF)


Have you ever dreamed about owning a vacation property or second home? Or maybe you already do but the loan rate is too high. We can help with that too! With long-term interest rates at an all-time low, now is a good time to invest in a cabin by the river or a sunny retreat for those dreary winter months here in the Northwest. Visit with our in-house lending expert to explore your options and turn your wish list into reality.

 Uniform Residential Loan Application  (PDF)


Sound Credit Union offers a very competitive home equity loan program to help you take full advantage of what may be your largest single asset ... your home. With lines as low as $10,000, you can use your home's equity to fund a long-awaited remodeling project, pay off higher-interest debt, or maybe fund a college education. A home equity line of credit may be the perfect financial tool, and our local branch managers are ready to help.

Learn more    Apply online


You've found the perfect location and have custom home plans ready to go. Now, all you need is financing! We have an experienced residential lender who can help you secure custom construction financing to get your project under way. We've helped clients all over Western Washington make their dream come to life. And when the dust is settled and the project complete, we can also help you with permanent, long-term financing. Visit your local branch to schedule an appointment.

Consumer Loan Application  (PDF)


When you open a VISA® credit card account with us, you open up a world of flexibility and spending power. The VISA logo is recognized worldwide, so you can be confident making purchases at the local mall or halfway around the globe. We offer two account choices with different credit limits and rates to match your needs.

Learn more    Apply online


Personal Lines of Credit & Term Loans

Our goal is to provide customized lending solutions for all your needs, as well as your dreams. Whether you're buying a new car, boat, or motor home, or just need a small, personal line of credit, you can be confident that our branch managers will personally take great care to provide an exceptional client experience, start to finish.

Learn more    Apply online

(425) 921-2432 or (877) 921-2432
M–Th - 9:00 a.m.–5:30 p.m. (Edmonds and Lynnwood) | M–Th - 9:00 a.m.–5:00 p.m. (Everett, Mukilteo, Redmond)
Friday - 9:00 a.m.–6:00 p.m. (All Branch Offices)

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Insured by NCUA. Equal Housing Opportunity. 

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