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First Sound Bank Rates & Review March 2026

First Sound Bank's 1-Year Fixed Rate Accumulator IRA Certificate rates are at 3.15%, 12-Month Certificate rates are at 3.15%, Jumbo 12-Month Certificate rates are at 3.15%, Jumbo 6-Month Certificate rates are at 3.03%, 6-Month Certificate rates are at 2.93%. First Sound Bank's savings rates are at 0.05%. First Sound Bank's money market rates are at 2.01%. First Sound Bank's Personal Loan Rates are at 10.75%. MonitorBankRates evaluates the financial stability of First Sound Bank with a 5.0 Star Rating, an A Overall Health Grade, and a Texas Ratio of 9.17%. Rates were last updated on 03/26/2026.

First Sound Bank money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at First Sound Bank? Share your experience about First Sound Bank by leaving a review below, or read customer reviews before you decide to use First Sound Bank.

Overall Health & Safety Grade ?
A
Excellent Health Score: 95/100
MonitorBankRates Rating ?
5.0
Exceptional Out of 5.0 Stars
Texas Ratio ?
9.17%
Excellent Higher than avg
First Sound Bank
925 4th Ave
Seattle, WA 98104
https://www.firstsoundbank.com
Member FDIC

First Sound Bank CD Rates

Product Rate APY Term View More
1-Year Fixed Rate Accumulator IRA Certificate 3.10% 3.15%
Min Deposit $100
Min Balance $100
Last Updated 03/26/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 9.17%
12-Month Certificate 3.10% 3.15%
Min Deposit $500
Min Balance $500
Last Updated 03/26/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 9.17%
Jumbo 12-Month Certificate 3.10% 3.15%
Min Deposit $50,000
Min Balance $50,000
Last Updated 03/26/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 9.17%
Jumbo 6-Month Certificate 2.99% 3.03%
Min Deposit $50,000
Min Balance $50,000
Last Updated 03/26/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 9.17%
6-Month Certificate 2.89% 2.93%
Min Deposit $500
Min Balance $500
Last Updated 03/26/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 9.17%
Flexible 12-Month Certificate 2.86% 2.90%
Min Deposit $500
Min Balance $500
Last Updated 03/26/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 9.17%
Jumbo 18-Month Certificate 2.53% 2.56%
Min Deposit $50,000
Min Balance $50,000
Last Updated 03/26/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 9.17%
2-Year Fixed Rate Accumulator IRA Certificate 2.43% 2.46%
Min Deposit $100
Min Balance $100
Last Updated 03/26/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 9.17%
18-Month Certificate 2.38% 2.41%
Min Deposit $500
Min Balance $500
Last Updated 03/26/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 9.17%
18-Month Fixed Rate IRA Certificate 2.38% 2.41%
Min Deposit $500
Min Balance $100
Last Updated 03/26/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 9.17%
24-Month Certificate 2.33% 2.36%
Min Deposit $500
Min Balance $500
Last Updated 03/26/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 9.17%
Flexible 18-Month Certificate 2.03% 2.05%
Min Deposit $500
Min Balance $500
Last Updated 03/26/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 9.17%
30-Month Certificate 1.97% 1.99%
Min Deposit $500
Min Balance $500
Last Updated 03/26/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 9.17%
36-Month Certificate 1.87% 1.89%
Min Deposit $500
Min Balance $500
Last Updated 03/26/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 9.17%
5-Year Fixed Rate IRA Certificate 1.87% 1.89%
Min Deposit $500
Min Balance $100
Last Updated 03/26/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 9.17%
48-Month Certificate 1.77% 1.79%
Min Deposit $500
Min Balance $500
Last Updated 03/26/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 9.17%
Flexible 36-Month Certificate 1.73% 1.74%
Min Deposit $500
Min Balance $500
Last Updated 03/26/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 9.17%

First Sound Bank Savings Rates

Product Rate APY View More
IRA Savings 1.00% 1.01%
Min Deposit $100
Min Balance $100
Last Updated 03/26/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 9.17%
Holiday Savings 0.50% 0.50%
Min Deposit $5
Min Balance $5
Last Updated 03/26/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 9.17%
Minor Savings 0.50% 0.50%
Min Deposit $5
Min Balance $5
Last Updated 03/26/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 9.17%
Business Savings 0.05% 0.05%
Min Deposit $100
Min Balance $100
Details $100 daily balance required to earn APY
Last Updated 03/26/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 9.17%
Set-Aside Savings 0.05% 0.05%
Min Deposit $5
Min Balance $5
Last Updated 03/26/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 9.17%

First Sound Bank Money Market Rates

Product Rate APY View More
Money Market 2.00% 2.02%
Min Deposit $100
Min Balance $250,000
Details $250,000-$999,999, required to earn APY
Last Updated 03/26/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 9.17%
Money Market 2.00% 2.01%
Min Deposit $25
Details however balances below $1,000 will result in a fee*
Last Updated 03/26/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 9.17%

First Sound Bank Checking Rates

Product Rate APY View More
PNW Premier Checking 6.78% 7.00%
Min Balance $25
Details Qualifications Required; Qualifying balance up to $4,000.00
Last Updated 03/26/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 9.17%
Wise55 Checking 0.25% 0.25%
Min Balance $25
Last Updated 03/26/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 9.17%
Business Interest Checking 0.20% 0.20%
Min Deposit $100
Min Balance $250,000
Last Updated 03/26/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 9.17%
Business Interest Checking 0.15% 0.15%
Min Deposit $100
Min Balance $100,000
Last Updated 03/26/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 9.17%
Ultimate Value Checking 0.15% 0.15%
Min Balance $25
Last Updated 03/26/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 9.17%
Business Interest Checking 0.10% 0.10%
Min Deposit $100
Min Balance $25,000
Last Updated 03/26/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 9.17%
Ultimate Value Checking 0.10% 0.10%
Min Balance $25
Last Updated 03/26/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 9.17%
Business Interest Checking 0.05% 0.05%
Min Deposit $100
Min Balance $0
Last Updated 03/26/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 9.17%
Ultimate Value Checking 0.05% 0.05%
Min Balance $25
Last Updated 03/26/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 9.17%
Business Basic Checking - 0.00%
Min Deposit $100
Min Balance $0
Last Updated 03/26/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 9.17%
Teen Checking - 0.00%
Min Balance $25
Last Updated 03/26/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 9.17%

First Sound Bank Home Equity & HELOC

Product Rate Points APR Term View More
Home Equity Line of Credit - - 7.00% 10 years
Details As Low As; Financing up to 90% loan to value available with qualifying credit
Last Updated 03/26/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 9.17%

First Sound Bank Auto Loan Rates

Product Rate Points APR Term View More
Auto Loan (new and used) - - 5.84%
Details As Low As
Last Updated 03/26/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 9.17%

First Sound Bank Personal Loan Rates

Product Rate APR View More
Personal Line of Credit - 10.75%
Details As Low As
Last Updated 03/26/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 9.17%

Methodology & Data Sources

MonitorBankRates Star Rating: Our rating for First Sound Bank is derived from comprehensive financial data published quarterly by the FDIC. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with customer feedback (user reviews) to help you make informed banking decisions.

Texas Ratio: We calculate the Texas Ratio using standard industry methodology. This ratio compares the bank's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.

Rate Data Aggregation: We gather First Sound Bank rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.

Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions. It is always advisable to check with First Sound Bank's official website for the most current offers and terms.

Bank Profile & Overview

Institution Name First Sound Bank
FDIC Certificate # 57799
Address 925 4th Ave, Seattle, WA 98104  ·  King
Established 07/19/2004
FDIC Insurance Date 07/19/2004
Domestic Offices 1
Total Branches 0
Regulator FDIC
FDIC Insured ✓ Yes — Up to $250,000

Financial Health & Assets

A
Overall Health Grade Score: 95/100
5.0
Exceptional Out of 5.0 Stars
9.17%
Texas Ratio Nat'l avg: 5.85%
Return on Assets (ROA) 0.1433%
Return on Equity (ROE) 1.6000%
Non-Performing Loans (NPL) 0.89%
Total Assets $154,808,000
Total Deposits $111,976,000
Equity Capital $14,898,000
Net Income $-203,000
Headquarters Seattle
Total Offices 1
Source: FDIC  |  Last Updated 03/31/2024

Customer Reviews

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Frequently Asked Questions About First Sound Bank

Is First Sound Bank a safe place to deposit money?

Yes, First Sound Bank is considered a safe financial institution. With a Texas Ratio of 9.1691117631368%, the institution's financial health is rated as excellent. Your accounts are federally insured by the FDIC (Federal Deposit Insurance Corporation) up to $250,000 per depositor, for each account ownership category.

How many branches does First Sound Bank operate?

First Sound Bank currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is there a first-time homebuyer program?

Currently, First Sound Bank does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Are credit management and repair services offered?

While formal credit repair services are not currently listed, First Sound Bank provides members with tools to manage their accounts and build a solid financial history.

Does First Sound Bank offer online and mobile banking?

Most modern institutions like First Sound Bank provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.firstsoundbank.com.

Current First Sound Bank Rates

  • 12-Month CD2.90%
  • 18-Month CD2.05%
  • 24-Month CD2.36%
  • 36-Month CD1.74%
  • 48-Month CD1.79%
  • 60-Month CD1.89%
  • Savings0.05%
  • MMA2.01%
Retrieved from our database of financial products. Rates subject to change.