What are the current interest rates at Sound Community Bank?

Current rates for Sound Community Bank include: 12-Month CD: 2.35%, 18-Month CD: 2.95%, 24-Month CD: 2.10%, 36-Month CD: 1.70%, 48-Month CD: 1.80%, 60-Month CD: 1.95%, Savings: 0.10%, MMA: 0.10%

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Sound Community Bank

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Sound Community Bank Rates & Review September 2026

Q: How many branches does Sound Community Bank operate?

Sound Community Bank currently maintains approximately 9 branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Q: Is there a first-time homebuyer program?

Currently, Sound Community 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.

Q: Are credit management and repair services offered?

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

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: September 19, 2026

Sound Community Bank's 13-Month Certificate of Deposit rates are at 3.80%, Business 13-Month Certificate of Deposit rates are at 3.80%, 18-Month Bump Certificate of Deposit rates are at 3.70%, 7-Month Certificate of Deposit rates are at 3.70%, Business 18-Month Bump Certificate of Deposit rates are at 3.70%. Sound Community Bank's savings rates are at 0.10%. Sound Community Bank's money market rates are at 0.10%. Sound Community Bank's Personal Loan Rates are as low as 12.00%. MonitorBankRates evaluates the financial stability of Sound Community Bank with a 5.0 Star Rating, an A Overall Health Grade, and a Texas Ratio of 6.90%. Rates last updated and verified on 09/19/2026.

Sound Community 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 Sound Community Bank? Share your experience about Sound Community Bank by leaving a review below, or read customer reviews before you decide to use Sound Community Bank.

Verified Healthy 2026 Use This Badge on Your Bank Website

Overall Health & Safety Grade

Excellent Health Score: 97/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

6.90%

Excellent Higher than avg

Health Trend

Worsening 12 quarters

Full history ›

Sound Community Bank

2400 3rd Ave
Seattle, WA 98121

https://www.soundcb.com

Sound Community Bank CD Rates

Product	Rate	APY	Term
13 Month Certificate of Deposit	3.74%	3.80%	13 Month
Details Term: 13 Month Certificate of Deposit; Interest Rate Without Checking: 3.25%; APY* Without Checking: 3.30%; Interest Rate With Checking: 3.74%; APY* With Checking: 3.80% Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.90%
Business 13 Month Certificate of Deposit	3.74%	3.80%	13 Month
Details Interest Rate Without Checking: 3.25%; APY* Without Checking: 3.30%; Interest Rate With Checking: 3.74%; APY* With Checking: 3.80% Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.90%
18 Month Bump Certificate of Deposit	3.64%	3.70%	18 Month
Details Term: 18 Month Bump Certificate of Deposit; Interest Rate Without Checking: 3.15%; APY Without Checking: 3.20%; Interest Rate With Checking: 3.64%; APY* With Checking: 3.70% Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.90%
7 Month Certificate of Deposit	3.64%	3.70%	7 Month
Details Term: 7 Month Certificate of Deposit; Interest Rate Without Checking: 3.15%; APY* Without Checking: 3.20%; Interest Rate With Checking: 3.64%; APY* With Checking: 3.70% Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.90%
Business 18 Month Bump Certificate of Deposit	3.64%	3.70%	18 Month
Details Interest Rate Without Checking: 3.15%; APY* Without Checking: 3.20%; Interest Rate With Checking: 3.64%; APY* With Checking: 3.70% Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.90%
Business 7 Month Certificate of Deposit	3.64%	3.70%	7 Month
Details Interest Rate Without Checking: 3.15%; APY* Without Checking: 3.20%; Interest Rate With Checking: 3.64%; APY* With Checking: 3.70% Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.90%
4 Month Certificate of Deposit	3.54%	3.60%	4 Month
Details Term: 4 Month Certificate of Deposit; Interest Rate Without Checking: 3.06%; APY* Without Checking: 3.10%; Interest Rate With Checking: 3.54%; APY* With Checking: 3.60% Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.90%
Business 4 Month Certificate of Deposit	3.54%	3.60%	4 Month
Details Interest Rate Without Checking: 3.06%; APY* Without Checking: 3.10%; Interest Rate With Checking: 3.54%; APY* With Checking: 3.60% Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.90%
13 Month Certificate of Deposit	3.49%	3.55%	13 Month
Details Interest Rate Without Checking: 3.01%; APY* Without Checking: 3.05% Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.90%
Business 13 Month Certificate of Deposit	3.49%	3.55%	13 Month
Details Interest Rate Without Checking: 3.01%; APY* Without Checking: 3.05%; Interest Rate With Checking: 3.49%; APY* With Checking: 3.55% Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.90%
18 Month Bump Certificate of Deposit	3.40%	3.45%	18 Month
Details Interest Rate Without Checking: 2.91%; APY* Without Checking: 2.95% Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.90%
7 Month Certificate of Deposit	3.40%	3.45%	7 Month
Details Interest Rate Without Checking: 2.91%; APY* Without Checking: 2.95% Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.90%
Business 18 Month Bump Certificate of Deposit	3.40%	3.45%	18 Month
Details Interest Rate Without Checking: 2.91%; APY* Without Checking: 2.95%; Interest Rate With Checking: 3.40%; APY* With Checking: 3.45% Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.90%
Business 7 Month Certificate of Deposit	3.40%	3.45%	7 Month
Details Interest Rate Without Checking: 2.91%; APY* Without Checking: 2.95%; Interest Rate With Checking: 3.40%; APY* With Checking: 3.45% Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.90%
4 Month Certificate of Deposit	3.30%	3.35%	4 Month
Details Interest Rate Without Checking: 2.81%; APY* Without Checking: 2.85% Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.90%
Business 4 Month Certificate of Deposit	3.30%	3.35%	4 Month
Details Interest Rate Without Checking: 2.81%; APY* Without Checking: 2.85%; Interest Rate With Checking: 3.30%; APY* With Checking: 3.35% Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.90%
13 Month Certificate of Deposit	3.25%	3.30%	13 Month
Details Term: 13 Month Certificate of Deposit; Interest Rate Without Checking: 3.25%; APY* Without Checking: 3.30%; Interest Rate With Checking: 3.74%; APY* With Checking: 3.80% Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.90%
Business 13 Month Certificate of Deposit	3.25%	3.30%	13 Month
Details Term: 13 Month Certificate of Deposit; Interest Rate Without Checking: 3.25%; APY Without Checking: 3.30%; Interest Rate With Checking: 3.74%; APY With Checking: 3.80% Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.90%
18 Month Bump Certificate of Deposit	3.15%	3.20%	18 Month
Details Term: 18 Month Bump Certificate of Deposit; Interest Rate Without Checking: 3.15%; APY Without Checking: 3.20%; Interest Rate With Checking: 3.64%; APY* With Checking: 3.70% Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.90%
7 Month Certificate of Deposit	3.15%	3.20%	7 Month
Details Term: 7 Month Certificate of Deposit; Interest Rate Without Checking: 3.15%; APY* Without Checking: 3.20%; Interest Rate With Checking: 3.64%; APY* With Checking: 3.70% Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.90%
Business 18 Month Bump Certificate of Deposit	3.15%	3.20%	18 Month
Details Term: 18 Month Bump Certificate of Deposit*; Interest Rate Without Checking: 3.15%; APY Without Checking: 3.20%; Interest Rate With Checking: 3.64%; APY With Checking: 3.70% Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.90%
Business 7 Month Certificate of Deposit	3.15%	3.20%	7 Month
Details Term: 7 Month Certificate of Deposit; Interest Rate Without Checking: 3.15%; APY Without Checking: 3.20%; Interest Rate With Checking: 3.64%; APY With Checking: 3.70% Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.90%
12 Month Certificate of Deposit	3.06%	3.10%	12 Month
Details Term: 12 Month Certificate of Deposit; Interest Rate Without Checking: 2.57%; APY* Without Checking: 2.60%; Interest Rate With Checking: 3.06%; APY* With Checking: 3.10% Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.90%
4 Month Certificate of Deposit	3.06%	3.10%	4 Month
Details Term: 4 Month Certificate of Deposit; Interest Rate Without Checking: 3.06%; APY* Without Checking: 3.10%; Interest Rate With Checking: 3.54%; APY* With Checking: 3.60% Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.90%
Business 12 Month Certificate of Deposit	3.06%	3.10%	12 Month
Details Interest Rate Without Checking: 2.57%; APY* Without Checking: 2.60%; Interest Rate With Checking: 3.06%; APY* With Checking: 3.10% Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.90%
Business 4 Month Certificate of Deposit	3.06%	3.10%	4 Month
Details Term: 4 Month Certificate of Deposit; Interest Rate Without Checking: 3.06%; APY Without Checking: 3.10%; Interest Rate With Checking: 3.54%; APY With Checking: 3.60% Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.90%
13 Month Certificate of Deposit	3.01%	3.05%	13 Month
Details Interest Rate With Checking: 3.49%; APY* With Checking: 3.55% Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.90%
6 Month Certificate of Deposit	3.01%	3.05%	6 Month
Details Term: 6 Month Certificate of Deposit; Interest Rate Without Checking: 2.52%; APY* Without Checking: 2.55%; Interest Rate With Checking: 3.01%; APY* With Checking: 3.05% Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.90%
Business 13 Month Certificate of Deposit	3.01%	3.05%	13 Month
Details Term: 13 Month Certificate of Deposit; Interest Rate Without Checking: 3.01%; APY Without Checking: 3.05%; Interest Rate With Checking: 3.49%; APY With Checking: 3.55% Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.90%
Business 6 Month Certificate of Deposit	3.01%	3.05%	6 Month
Details Interest Rate Without Checking: 2.52%; APY* Without Checking: 2.55%; Interest Rate With Checking: 3.01%; APY* With Checking: 3.05% Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.90%
18 Month Bump Certificate of Deposit	2.91%	2.95%	18 Month
Details Interest Rate With Checking: 3.40%; APY* With Checking: 3.45% Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.90%
7 Month Certificate of Deposit	2.91%	2.95%	7 Month
Details Interest Rate With Checking: 3.40%; APY* With Checking: 3.45% Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.90%
Business 18 Month Bump Certificate of Deposit	2.91%	2.95%	18 Month
Details Term: 18 Month Bump Certificate of Deposit*; Interest Rate Without Checking: 2.91%; APY Without Checking: 2.95%; Interest Rate With Checking: 3.40%; APY With Checking: 3.45% Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.90%
Business 7 Month Certificate of Deposit	2.91%	2.95%	7 Month
Details Term: 7 Month Certificate of Deposit; Interest Rate Without Checking: 2.91%; APY Without Checking: 2.95%; Interest Rate With Checking: 3.40%; APY With Checking: 3.45% Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.90%
12 Month Certificate of Deposit	2.81%	2.85%	12 Month
Details Interest Rate Without Checking: 2.33%; APY* Without Checking: 2.35% Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.90%
24 Month Certificate of Deposit	2.81%	2.85%	24 Month
Details Term: 24 Month Certificate of Deposit; Interest Rate Without Checking: 2.33%; APY* Without Checking: 2.35%; Interest Rate With Checking: 2.81%; APY* With Checking: 2.85% Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.90%
4 Month Certificate of Deposit	2.81%	2.85%	4 Month
Details Interest Rate With Checking: 3.30%; APY* With Checking: 3.35% Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.90%
Business 12 Month Certificate of Deposit	2.81%	2.85%	12 Month
Details Interest Rate Without Checking: 2.33%; APY* Without Checking: 2.35%; Interest Rate With Checking: 2.81%; APY* With Checking: 2.85% Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.90%
Business 24 Month Certificate of Deposit	2.81%	2.85%	24 Month
Details Interest Rate Without Checking: 2.33%; APY* Without Checking: 2.35%; Interest Rate With Checking: 2.81%; APY* With Checking: 2.85% Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.90%
Business 4 Month Certificate of Deposit	2.81%	2.85%	4 Month
Details Term: 4 Month Certificate of Deposit; Interest Rate Without Checking: 2.81%; APY Without Checking: 2.85%; Interest Rate With Checking: 3.30%; APY With Checking: 3.35% Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.90%
6 Month Certificate of Deposit	2.76%	2.80%	6 Month
Details Interest Rate Without Checking: 2.28%; APY* Without Checking: 2.30% Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.90%
Business 6 Month Certificate of Deposit	2.76%	2.80%	6 Month
Details Interest Rate Without Checking: 2.28%; APY* Without Checking: 2.30%; Interest Rate With Checking: 2.76%; APY* With Checking: 2.80% Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.90%
3 Month Certificate of Deposit	2.72%	2.75%	3 Month
Details Term: 3 Month Certificate of Deposit; Interest Rate Without Checking: 2.23%; APY* Without Checking: 2.25%; Interest Rate With Checking: 2.72%; APY* With Checking: 2.75% Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.90%
Business 3 Month Certificate of Deposit	2.72%	2.75%	3 Month
Details Interest Rate Without Checking: 2.23%; APY* Without Checking: 2.25%; Interest Rate With Checking: 2.72%; APY* With Checking: 2.75% Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.90%
60 Month Certificate of Deposit	2.67%	2.70%	60 Month
Details Term: 60 Month Certificate of Deposit; Interest Rate Without Checking: 2.18%; APY* Without Checking: 2.20%; Interest Rate With Checking: 2.67%; APY* With Checking: 2.70% Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.90%
Business 60 Month Certificate of Deposit	2.67%	2.70%	60 Month
Details Interest Rate Without Checking: 2.18%; APY* Without Checking: 2.20%; Interest Rate With Checking: 2.67%; APY* With Checking: 2.70% Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.90%
12 Month Certificate of Deposit	2.57%	2.60%	12 Month
Details Term: 12 Month Certificate of Deposit; Interest Rate Without Checking: 2.57%; APY* Without Checking: 2.60%; Interest Rate With Checking: 3.06%; APY* With Checking: 3.10% Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.90%
24 Month Certificate of Deposit	2.57%	2.60%	24 Month
Details Interest Rate Without Checking: 2.08%; APY* Without Checking: 2.10% Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.90%
Business 12 Month Certificate of Deposit	2.57%	2.60%	12 Month
Details Term: 12 Month Certificate of Deposit; Interest Rate Without Checking: 2.57%; APY Without Checking: 2.60%; Interest Rate With Checking: 3.06%; APY With Checking: 3.10% Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.90%
Business 24 Month Certificate of Deposit	2.57%	2.60%	24 Month
Details Interest Rate Without Checking: 2.08%; APY* Without Checking: 2.10%; Interest Rate With Checking: 2.57%; APY* With Checking: 2.60% Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.90%
48 Month Certificate of Deposit	2.52%	2.55%	48 Month
Details Term: 48 Month Certificate of Deposit; Interest Rate Without Checking: 2.03%; APY* Without Checking: 2.05%; Interest Rate With Checking: 2.52%; APY* With Checking: 2.55% Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.90%
6 Month Certificate of Deposit	2.52%	2.55%	6 Month
Details Term: 6 Month Certificate of Deposit; Interest Rate Without Checking: 2.52%; APY* Without Checking: 2.55%; Interest Rate With Checking: 3.01%; APY* With Checking: 3.05% Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.90%
Business 48 Month Certificate of Deposit	2.52%	2.55%	48 Month
Details Interest Rate Without Checking: 2.03%; APY* Without Checking: 2.05%; Interest Rate With Checking: 2.52%; APY* With Checking: 2.55% Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.90%
Business 6 Month Certificate of Deposit	2.52%	2.55%	6 Month
Details Term: 6 Month Certificate of Deposit; Interest Rate Without Checking: 2.52%; APY Without Checking: 2.55%; Interest Rate With Checking: 3.01%; APY With Checking: 3.05% Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.90%
3 Month Certificate of Deposit	2.47%	2.50%	3 Month
Details Interest Rate Without Checking: 1.98%; APY* Without Checking: 2.00% Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.90%
Business 3 Month Certificate of Deposit	2.47%	2.50%	3 Month
Details Interest Rate Without Checking: 1.98%; APY* Without Checking: 2.00%; Interest Rate With Checking: 2.47%; APY* With Checking: 2.50% Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.90%
36 Month Certificate of Deposit	2.42%	2.45%	36 Month
Details Term: 36 Month Certificate of Deposit; Interest Rate Without Checking: 1.93%; APY* Without Checking: 1.95%; Interest Rate With Checking: 2.42%; APY* With Checking: 2.45% Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.90%
60 Month Certificate of Deposit	2.42%	2.45%	60 Month
Details Interest Rate Without Checking: 1.93%; APY* Without Checking: 1.95% Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.90%
Business 36 Month Certificate of Deposit	2.42%	2.45%	36 Month
Details Interest Rate Without Checking: 1.93%; APY* Without Checking: 1.95%; Interest Rate With Checking: 2.42%; APY* With Checking: 2.45% Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.90%
Business 60 Month Certificate of Deposit	2.42%	2.45%	60 Month
Details Interest Rate Without Checking: 1.93%; APY* Without Checking: 1.95%; Interest Rate With Checking: 2.42%; APY* With Checking: 2.45% Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.90%
12 Month Certificate of Deposit	2.33%	2.35%	12 Month
Details Interest Rate With Checking: 2.81%; APY* With Checking: 2.85% Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.90%
24 Month Certificate of Deposit	2.33%	2.35%	24 Month
Details Term: 24 Month Certificate of Deposit; Interest Rate Without Checking: 2.33%; APY* Without Checking: 2.35%; Interest Rate With Checking: 2.81%; APY* With Checking: 2.85% Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.90%
Business 12 Month Certificate of Deposit	2.33%	2.35%	12 Month
Details Term: 12 Month Certificate of Deposit; Interest Rate Without Checking: 2.33%; APY Without Checking: 2.35%; Interest Rate With Checking: 2.81%; APY With Checking: 2.85% Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.90%
Business 24 Month Certificate of Deposit	2.33%	2.35%	24 Month
Details Term: 24 Month Certificate of Deposit; Interest Rate Without Checking: 2.33%; APY Without Checking: 2.35%; Interest Rate With Checking: 2.81%; APY With Checking: 2.85% Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.90%
48 Month Certificate of Deposit	2.28%	2.30%	48 Month
Details Interest Rate Without Checking: 1.79%; APY* Without Checking: 1.80% Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.90%
6 Month Certificate of Deposit	2.28%	2.30%	6 Month
Details Interest Rate With Checking: 2.76%; APY* With Checking: 2.80% Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.90%
Business 48 Month Certificate of Deposit	2.28%	2.30%	48 Month
Details Interest Rate Without Checking: 1.79%; APY* Without Checking: 1.80%; Interest Rate With Checking: 2.28%; APY* With Checking: 2.30% Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.90%
Business 6 Month Certificate of Deposit	2.28%	2.30%	6 Month
Details Term: 6 Month Certificate of Deposit; Interest Rate Without Checking: 2.28%; APY Without Checking: 2.30%; Interest Rate With Checking: 2.76%; APY With Checking: 2.80% Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.90%
3 Month Certificate of Deposit	2.23%	2.25%	3 Month
Details Term: 3 Month Certificate of Deposit; Interest Rate Without Checking: 2.23%; APY* Without Checking: 2.25%; Interest Rate With Checking: 2.72%; APY* With Checking: 2.75% Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.90%
Business 3 Month Certificate of Deposit	2.23%	2.25%	3 Month
Details Term: 3 Month Certificate of Deposit; Interest Rate Without Checking: 2.23%; APY Without Checking: 2.25%; Interest Rate With Checking: 2.72%; APY With Checking: 2.75% Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.90%
36 Month Certificate of Deposit	2.18%	2.20%	36 Month
Details Interest Rate Without Checking: 1.69%; APY* Without Checking: 1.70% Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.90%
60 Month Certificate of Deposit	2.18%	2.20%	60 Month
Details Term: 60 Month Certificate of Deposit; Interest Rate Without Checking: 2.18%; APY* Without Checking: 2.20%; Interest Rate With Checking: 2.67%; APY* With Checking: 2.70% Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.90%
Business 36 Month Certificate of Deposit	2.18%	2.20%	36 Month
Details Interest Rate Without Checking: 1.69%; APY* Without Checking: 1.70%; Interest Rate With Checking: 2.18%; APY* With Checking: 2.20% Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.90%
Business 60 Month Certificate of Deposit	2.18%	2.20%	60 Month
Details Term: 60 Month Certificate of Deposit; Interest Rate Without Checking: 2.18%; APY Without Checking: 2.20%; Interest Rate With Checking: 2.67%; APY With Checking: 2.70% Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.90%
24 Month Certificate of Deposit	2.08%	2.10%	24 Month
Details Interest Rate With Checking: 2.57%; APY* With Checking: 2.60% Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.90%
Business 24 Month Certificate of Deposit	2.08%	2.10%	24 Month
Details Term: 24 Month Certificate of Deposit; Interest Rate Without Checking: 2.08%; APY Without Checking: 2.10%; Interest Rate With Checking: 2.57%; APY With Checking: 2.60% Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.90%
48 Month Certificate of Deposit	2.03%	2.05%	48 Month
Details Term: 48 Month Certificate of Deposit; Interest Rate Without Checking: 2.03%; APY* Without Checking: 2.05%; Interest Rate With Checking: 2.52%; APY* With Checking: 2.55% Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.90%
Business 48 Month Certificate of Deposit	2.03%	2.05%	48 Month
Details Term: 48 Month Certificate of Deposit; Interest Rate Without Checking: 2.03%; APY Without Checking: 2.05%; Interest Rate With Checking: 2.52%; APY With Checking: 2.55% Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.90%
3 Month Certificate of Deposit	1.98%	2.00%	3 Month
Details Interest Rate With Checking: 2.47%; APY* With Checking: 2.50% Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.90%
Business 3 Month Certificate of Deposit	1.98%	2.00%	3 Month
Details Term: 3 Month Certificate of Deposit; Interest Rate Without Checking: 1.98%; APY Without Checking: 2.00%; Interest Rate With Checking: 2.47%; APY With Checking: 2.50% Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.90%
36 Month Certificate of Deposit	1.93%	1.95%	36 Month
Details Term: 36 Month Certificate of Deposit; Interest Rate Without Checking: 1.93%; APY* Without Checking: 1.95%; Interest Rate With Checking: 2.42%; APY* With Checking: 2.45% Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.90%
60 Month Certificate of Deposit	1.93%	1.95%	60 Month
Details Interest Rate With Checking: 2.42%; APY* With Checking: 2.45% Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.90%
Business 36 Month Certificate of Deposit	1.93%	1.95%	36 Month
Details Term: 36 Month Certificate of Deposit; Interest Rate Without Checking: 1.93%; APY Without Checking: 1.95%; Interest Rate With Checking: 2.42%; APY With Checking: 2.45% Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.90%
Business 60 Month Certificate of Deposit	1.93%	1.95%	60 Month
Details Term: 60 Month Certificate of Deposit; Interest Rate Without Checking: 1.93%; APY Without Checking: 1.95%; Interest Rate With Checking: 2.42%; APY With Checking: 2.45% Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.90%
48 Month Certificate of Deposit	1.79%	1.80%	48 Month
Details Interest Rate With Checking: 2.28%; APY* With Checking: 2.30% Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.90%
Business 48 Month Certificate of Deposit	1.79%	1.80%	48 Month
Details Term: 48 Month Certificate of Deposit; Interest Rate Without Checking: 1.79%; APY Without Checking: 1.80%; Interest Rate With Checking: 2.28%; APY With Checking: 2.30% Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.90%
36 Month Certificate of Deposit	1.69%	1.70%	36 Month
Details Interest Rate With Checking: 2.18%; APY* With Checking: 2.20% Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.90%
Business 36 Month Certificate of Deposit	1.69%	1.70%	36 Month
Details Term: 36 Month Certificate of Deposit; Interest Rate Without Checking: 1.69%; APY Without Checking: 1.70%; Interest Rate With Checking: 2.18%; APY With Checking: 2.20% Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.90%

Sound Community Bank Savings Rates

Product	Rate	APY
Business Savings	1.40%	1.41%
Min Balance $1,000,000 Details Balance: $1,000,000 and above Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.90%
Business Savings	1.15%	1.16%
Min Balance $500,000 Details Balance: $500,000 - $999,999 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.90%
Business Savings	0.76%	0.76%
Min Balance $250,000 Details Balance: $250,000 - $499,999 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.90%
Business Savings	0.26%	0.26%
Min Balance $100,000 Details Balance: $100,000 - $249,999 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.90%
Business Savings	0.21%	0.21%
Min Balance $50,000 Details Balance: $50,000 - $99,999 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.90%
Business Savings	0.15%	0.15%
Min Balance $25,000 Details Balance: $25,000 - $49,999 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.90%
Business Savings	0.10%	0.10%
Min Deposit $100 Min Balance $100 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.90%
Business Savings	0.10%	0.10%
Details Balance: $0 - $24,999 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.90%
Education and IRA Savings Account	0.10%	0.10%
Min Deposit $100 Min Balance $0 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.90%
HSA (Health Savings Account)	0.10%	0.10%
Min Deposit $100 Min Balance $1,000 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.90%
Regular Savings Account	0.10%	0.10%
Min Deposit $100 Min Balance $100 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.90%
Youth Savings Account (under 18)	0.10%	0.10%
Min Deposit $5 Min Balance $0 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.90%

Sound Community Bank Money Market Rates

Product	Rate	APY
Business Premier Money Market	3.45%	3.50%
Min Balance $1,000,000 Details Balance: $1,000,000 and above Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.90%
Business Premier Money Market	3.20%	3.25%
Min Balance $750,000 Details Balance: $750,000 - $999,999 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.90%
Business Momentum Money Market	3.11%	3.15%
Min Balance $250,000 Details Balance: $250,000 and above Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.90%
Momentum Money Market	3.11%	3.15%
Min Balance $250,000 Details Balance: $250,000 and above Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.90%
Apex Money Market	2.96%	3.00%
Min Balance $1,000,000 Details Balance: $1,000,000 and above Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.90%
Business Apex Money Market	2.96%	3.00%
Min Balance $1,000,000 Details Balance: $1,000,000 and above Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.90%
Business Premier Money Market	2.96%	3.00%
Min Balance $500,000 Details Balance: $500,000 - $749,999 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.90%
Apex Money Market	2.81%	2.85%
Min Balance $500,000 Details Balance: $500,000 - $999,999 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.90%
Business Apex Money Market	2.81%	2.85%
Min Balance $500,000 Details Balance: $500,000 - $999,999 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.90%
Business Premier Money Market	2.81%	2.85%
Min Balance $250,000 Details Balance: $250,000 - $499,999 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.90%
Apex Money Market	2.72%	2.75%
Min Balance $250,000 Details Balance: $250,000 - $499,999 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.90%
Business Apex Money Market	2.72%	2.75%
Min Balance $250,000 Details Balance: $250,000 - $499,999 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.90%
Apex Money Market	2.57%	2.60%
Min Balance $100,000 Details Balance: $100,000 - $249,999 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.90%
Business Apex Money Market	2.57%	2.60%
Min Balance $100,000 Details Balance: $100,000 - $249,999 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.90%
Business Momentum Money Market	2.52%	2.55%
Min Balance $100,000 Details Balance: $100,000 - $249,999 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.90%
Momentum Money Market	2.52%	2.55%
Min Balance $100,000 Details Balance: $100,000 - $249,999 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.90%
Momentum Money Market	1.40%	1.41%
Min Balance $1,000,000 Details Balance: $1,000,000 and above Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.90%
Momentum Money Market	1.15%	1.16%
Min Balance $500,000 Details Balance: $500,000 - $999,999 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.90%
Apex Money Market	1.10%	1.11%
Min Balance $50,000 Details Balance: $50,000 - $99,999 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.90%
Business Apex Money Market	1.10%	1.11%
Min Balance $50,000 Details Balance: $50,000 - $99,999 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.90%
Business Premier Money Market	1.10%	1.11%
Min Balance $100,000 Details Balance: $100,000 - $249,999 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.90%
Business Momentum Money Market	1.09%	1.10%
Min Balance $50,000 Details Balance: $50,000 - $99,999 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.90%
Momentum Money Market	1.09%	1.10%
Min Balance $50,000 Details Balance: $50,000 - $99,999 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.90%
Business Premier Money Market	0.85%	0.85%
Min Balance $50,000 Details Balance: $50,000 - $99,999 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.90%
Momentum Money Market	0.76%	0.76%
Min Balance $250,000 Details Balance: $250,000 - $499,999 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.90%
Apex Money Market	0.65%	0.65%
Min Balance $25,000 Details Balance: $25,000 - $49,999 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.90%
Business Apex Money Market	0.65%	0.65%
Min Balance $25,000 Details Balance: $25,000 - $49,999 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.90%
Business Momentum Money Market	0.60%	0.60%
Min Balance $25,000 Details Balance: $25,000 - $49,999 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.90%
Momentum Money Market	0.60%	0.60%
Min Balance $25,000 Details Balance: $25,000 - $49,999 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.90%
Momentum Money Market	0.26%	0.26%
Min Balance $100,000 Details Balance: $100,000 - $249,999 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.90%
Momentum Money Market	0.21%	0.21%
Min Balance $50,000 Details Balance: $50,000 - $99,999 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.90%
Momentum Money Market	0.15%	0.15%
Min Balance $25,000 Details Balance: $25,000 - $49,999 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.90%
Apex Money Market	0.10%	0.10%
Details Balance: $0 - $24,999 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.90%
Business Apex Money Market	0.10%	0.10%
Min Balance $0 Details Balance: $0 - $24,999 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.90%
Business Premier Money Market	0.10%	0.10%
Min Balance $0 Details Balance: $0 - $49,999 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.90%
Momentum Money Market	0.10%	0.10%
Min Balance $0 Details Balance: $0 - $24,999 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.90%

Sound Community Bank Checking Rates

Product	Rate	APY
Interest Plus Checking	1.10%	1.11%
Min Balance $50,000 Details Balance: $50,000 and above Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.90%
Interest Plus Checking	0.75%	0.75%
Min Balance $20,000 Details Balance: $20,000 - $49,999 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.90%
Interest Plus Checking	0.10%	0.10%
Min Balance $0 Details Balance: $0 - $4,999 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.90%
Interest Plus Checking	0.10%	0.10%
Min Balance $5,000 Details Balance: $5,000 - $19,999 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.90%
Prime Checking (50+ Years of Age)	0.01%	0.01%
Min Deposit $100 Min Balance $1,000 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.90%

Sound Community Bank Auto Loan Rates

Product	Rate	Points	APR	Term
Auto Loans	-	-	5.04%	36 months
Details As Low As Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.90%
Auto Loans	-	-	5.30%	48 months
Details As Low As Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.90%
New Auto: 2024 and Newer	-	-	5.54%	36 months
No additional details. Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.90%
Auto Loans	-	-	5.62%	60 months
Details As Low As Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.90%
New Auto: 2024 and Newer	-	-	5.80%	48 months
No additional details. Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.90%
Auto Loans	-	-	6.04%	72 months
Details As Low As Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.90%
New Auto: 2024 and Newer	-	-	6.12%	60 months
No additional details. Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.90%
Auto Loans	-	-	6.18%	84 months
Details As Low As Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.90%
Used Auto: 2011 and Newer	-	-	6.25%	36 months
Details As Low As Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.90%
Used Auto: 2011 and Newer	-	-	6.49%	48 months
Details As Low As Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.90%
New Auto: 2024 and Newer	-	-	6.54%	72 months
No additional details. Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.90%
New Auto: 2024 and Newer	-	-	6.68%	84 months
No additional details. Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.90%
Used Auto: 2011 and Newer	-	-	6.71%	60 months
Details As Low As Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.90%
Used Auto: 2011 and Newer	-	-	7.16%	72 months
Details As Low As Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.90%
Used Auto: 2011 and Newer	-	-	7.30%	84 months
Details As Low As Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.90%

Sound Community Bank RV, Boat and Powersport Loan Rates

Product	Rate	APR	Term
New Boats: 2024 and Newer Loan	-	7.41%	60 months
Details As Low As Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.90%
New RV's: 2024 and Newer Loan	-	7.41%	60 months
Details As Low As Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.90%
New Boats: 2024 and Newer Loan	-	7.82%	120 months
Details As Low As Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.90%
New RV's: 2024 and Newer Loan	-	7.82%	120 months
Details As Low As Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.90%
Used Boats: 2016 and Newer Loan	-	8.42%	60 months
Details As Low As Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.90%
Used RV's: 2016 and Newer Loan	-	8.42%	60 months
No additional details. Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.90%
New Other (Motorcycle, ATV, Jet Ski and Snowmobile) Loan	-	8.46%	48 to 60 months
Details As Low As Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.90%
New Other (Motorcycle, ATV, Jet Ski and Snowmobile): 2024 and Newer Loan	-	8.46%	48 to 60 months
Details As Low As Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.90%
New Other (Motorcycle, ATV, Jet Ski and Snowmobile) Loan	-	8.56%	12 to 36 months
Details As Low As Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.90%
New Other (Motorcycle, ATV, Jet Ski and Snowmobile): 2024 and Newer Loan	-	8.56%	12 to 36 months
Details As Low As Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.90%
Used Boats: 2016 and Newer Loan	-	8.82%	120 months
Details As Low As Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.90%
Used RV's: 2016 and Newer Loan	-	8.82%	120 months
No additional details. Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.90%
Used Other (Motorcycle, ATV, Jet Ski and Snowmobile): 2016 and Newer Loan	-	9.30%	24 to 36 months
Details As Low As Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.90%
Used Other (Motorcycle, ATV, Jet Ski and Snowmobile): 2016 and Newer Loan	-	10.02%	12 months
Details As Low As Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.90%

Sound Community Bank Personal Loan Rates

Product	APR	Term
Personal Unsecured Loans	12.00%	60 months
Details Loan Range: $5,000-$25,000 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.90%
Personal Unsecured Loans	13.95%	24 months
Details APR* as low as Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.90%
Personal Unsecured Loans	14.84%	36 months
Details As low as* Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.90%
Personal Unsecured Loans	15.72%	24 months
Details As low as* Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.90%
Personal Unsecured Loans	20.77%	12 months
Details As low as* Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.90%

Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
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Financial Health History

Sound Community Bank’s Texas Ratio rose from 2.09% in Q3 2023 to 6.90% in Q2 2026, so its financial health has weakened over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0 and its Health Grade from A+ to A. Lower Texas Ratios are healthier; the green zone below the amber 15% line is where a bank must stay to qualify for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures.

Swipe the chart sideways to see every quarter.

Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade15% Verified Healthy limit (green zone below = healthy)

How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops.

Show the quarterly figures

Quarter	Total assets	Texas Ratio	Star Rating	Health Grade
June 30, 2026	$1.1B	6.90%	5.0	A
March 31, 2026	$1.1B	6.43%	5.0	A
December 31, 2025	$1.1B	5.26%	5.0	A+
September 30, 2025	$1.1B	2.70%	5.0	A+
June 30, 2025	$1.1B	3.29%	5.0	A+
March 31, 2025	$1.1B	8.60%	5.0	A
December 31, 2024	$994M	6.53%	5.0	A
September 30, 2024	$1.1B	7.58%	5.0	A
June 30, 2024	$1.1B	8.01%	5.0	A
March 31, 2024	$1.1B	8.74%	5.0	A
December 31, 2023	$995M	3.66%	5.0	A+
September 30, 2023	$1.0B	2.09%	5.0	A+

Source: FDIC call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.

Methodology & Data Sources

MonitorBankRates Star Rating: Our rating for Sound Community 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 Sound Community 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 Sound Community Bank's official website for the most current offers and terms.

Bank Profile & Overview

Institution Name Sound Community Bank

Bank Holding Company SOUND FINANCIAL BCORP INC

Address 2400 3rd Ave, Seattle, WA 98121 · King

Website https://www.soundcb.com

FDIC Certificate # 57451

Established 19530101

FDIC Insurance Date 20030519

Domestic Offices 9

Total Branches 9

Regulator FDIC

FDIC Insured ✓ Yes — Up to $250,000

Financial Health & Assets

Overall Health Grade Score: 97/100

5.0

Exceptional Out of 5.0 Stars

6.90%

Texas Ratio Nat'l avg: 5.85%

Return on Assets (ROA) 0.8682%

Return on Equity (ROE) 8.1300%

Non-Performing Loans (NPL) 0.75%

Total Assets $1,065,857,000

Total Deposits $937,088,000

Equity Capital $117,081,000

Net Income $4,732,000

Headquarters Seattle

Total Branches and Offices 9

Source: FDIC | Last Updated 06/30/2026

2026 MBR Health & Safety Badge

Sound Community Bank earned the Verified Healthy badge

Display this badge on your website to show visitors your 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.

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       alt="MonitorBankRates Verified Healthy Badge 2026"
       width="160" height="160">
</a>

Learn more about the MBR Health & Safety Badge program on our methodology page.

Customer Reviews

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☆☆☆☆☆

Total Reviews

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Frequently Asked Questions About Sound Community Bank

How many branches does Sound Community Bank operate?

Sound Community Bank currently maintains approximately 9 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, Sound Community 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, Sound Community Bank provides members with tools to manage their accounts and build a solid financial history.

Does Sound Community Bank offer online and mobile banking?

Most modern institutions like Sound Community 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.soundcb.com.