Sound Credit Union :: Rates

Loan Rates

Sound has easy auto loans. Apply today.

Rates effective as of January 23, 2012.

Rates are subject to change. Please check with your local branch, or call if we can answer any questions.

Secured Loans	APR Range *
New Autos Model Years 2011 or newer
0 - 36 months	2.24% - 12.79%
37 - 48 months	2.74% - 13.29%
49 - 60 months	3.24% - 13.79%
61 - 72 months	3.74% - 14.29%
73 - 84 months	4.24% - 14.79%

Used Autos Model Years 2002-2010
0 - 36 months	2.24% - 12.79%
37 - 48 months	2.74% - 13.29%
49 - 60 months	3.24% - 13.79%
61 - 72 months	3.74% - 14.29%
73 - 84 months	4.24% - 14.79%

Green Auto Loan Hybrid Autos - model years 2011 or newer
0 - 36 months	1.99% - 12.54%
37 - 48 months	2.49% - 13.04%
49 - 60 months	2.99% - 13.54%
61 - 72 months	3.49% - 14.04%
73 - 84 months	3.99% - 14.54%

New / Used Motorcycles Model Years 2002 - 2012
0 - 60 months	3.49% - 14.04%
61 - 72 months	4.49% - 15.04%
73 - 84 months	4.99% - 15.54%

RVs, Boats, Marine Mortgages Model Years 2001-2011
0 - 84 months	4.49% - 15.04%
85 - 144 months	5.49% - 16.04%

Older Used Autos / Water and Snow Craft Model Years 2001 and older
0 - 60 months	4.24% - 14.79%

Share Secured
0 - 60 months	Share rate +3.00%

Certificate Secured
Certificate maturity date	Certificate rate + 3.00%

Unsecured Loans	APR Range *
Personal Loan
0 - 60 months	7.95% - 14.95%

Personal Line of Credit $25 annual fee, waived if $25 or more in total finance charges paid in previous 12 months
	8.95% - 15.95%

Visa Blue¹ Low variable rate, no annual fee, 25-day grace period
	10.95% - 17.95%

Visa Blue Secured¹ Low variable rate, no annual fee, credit line equal to 75% of amount pledged
	10.95% - 17.95%

Visa Platinum¹ Low variable rate, Extra Awards Program, $39 annual fee waived with $2,500 or more in annual purchases, 25-day grace period
	11.95% -18.95%

All loans:
*APR is Annual Percentage Rate. All loans are subject to credit approval. Your rate and credit limit will be determined based on individual creditworthiness including income, debt ratio, and employment. Verification of income may be required. Must be 18 years of age to qualify for a loan. Must be a Sound Credit Union member to participate. Anyone who lives or works in WA can join. Membership at Sound requires a savings account with a minimum balance of $25.

¹Visa Credit Cards:
The Annual Percentage Rate may increase or decrease if the Index increases or decreases. The Index is the highest rate of interest identified as the 'Prime Rate' in the 'Money Rates' column of the Wall Street Journal. The Annual Percentage Rate will be equal to the Prime Rate plus a margin of: For Visa Blue and Visa Blue Secured: 7.70%-14.70%. For Visa Platinum: 8.70%-15.70%. The interest rate can change monthly on the first day of each month following a change in the Prime Rate as of 5 days before the end of the previous month. The Annual Percentage Rate will never be more than the maximum rate allowed by applicable law. Any increase will take the form of more payments of the same amount.

Sound Credit Union :: Rates :: Loan Rates