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Sound Community Bank Rates & Review November 2026
Content reviewed by
Brian McKay
Brian McKay
Founder & Data Architect
Expertise
Automated Online Rate Data Aggregation
Location-Based Rate Tables
Bank & Credit Union Health Safety Ratings
Bank & Credit Union Star Ratings
Finance Calculators
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
|✓Fact Checked|Rates Last Updated and Verified: November 5, 2026
Sound Community Bank's 23-Month CD rates are at 3.40%, 13-Month CD rates are at 3.25%, 7-Month CD rates are at 3.00%, 4-Month CD rates are at 2.85%, 12-Month CD rates are at 2.35%. Sound Community Bank's savings rates are at 0.10%. Sound Community Bank's money market rates are at 3.50%. Sound Community Bank's checking rates are as high as 1.11%. Sound Community Bank's Personal Loan Rates are as low as 13.95%. Sound Community Bank's top CD rate of 4.15% APY on a 23 month CD is 41% higher than the MonitorBankRates national average of 2.94% APY for that term, and it has an A health rating. 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 11/05/2026.
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.
Sound Community Bank has earned an overall safety grade of A (Excellent, Score: 97/100).
This proprietary letter grade is calculated by combining the institution's Star Rating with its Texas Ratio, providing a straightforward indicator of its financial stability and reliability.
Grades range from A+ (Exceptional) to F (High Risk) based on objective FDIC regulatory data.
MonitorBankRates Rating
?
5.0
ExceptionalOut of 5.0 Stars
MonitorBankRates Star Rating
Sound Community Bank has earned a Star Rating of 5.0 out of 5 stars (Exceptional).
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
?
6.90%
ExcellentHigher than avg
Sound Community Bank Texas Ratio
Sound Community Bank's Texas Ratio is 6.90%, which is considered excellent and is higher than the national average of 5.85%.
Sound Community Bank has a very low volume of non-performing assets compared to its available capital, signifying a strong balance sheet.
The Texas Ratio compares non-performing assets to tangible common equity and loan loss reserves. Lower is better.
2.09% to 6.90% over 12 quarters, steadyFull history
Star Rating 5.0 to 5.0, Health Grade A+ to A
The Texas Ratio for this bank has held steady at a healthy level since Q3 2023. Lower is healthier; the amber line is the 15% level required for the MBR Verified Healthy badge.
Financial health data as of Q2 2026 (FDIC call report for the quarter ended June 30, 2026). This is the most recent call report available. The FDIC publishes bank call reports about eight weeks after each quarter ends.
Sound Community Bank CD Rates
Product
Rate
APY
Term
Min. Deposit
View More
Jumbo 23-Month CD
4.07%
4.15%
23 months
-
Min Balance$100,000
DetailsJumbo Certificates of Deposit, $100,000 minimum; With Checking rate
Last Updated11/05/2026
Rate History
1 change since Oct 20, 2026 · 3.65% → 4.15% ▲ 0.50 pts · high 4.15% / low 3.65%
Nov 5, 20264.15%▲ from 3.65%
Oct 20, 20263.65%first recorded
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.90%
Jumbo 13-Month CD
3.93%
4.00%
13 months
-
Min Balance$100,000
DetailsJumbo Certificates of Deposit, $100,000 minimum; With Checking rate
Last Updated11/05/2026
Rate History
1 change since Oct 20, 2026 · 3.50% → 4.00% ▲ 0.50 pts · high 4.00% / low 3.50%
Nov 5, 20264.00%▲ from 3.50%
Oct 20, 20263.50%first recorded
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.90%
Jumbo 7-Month CD
3.69%
3.75%
7 months
-
Min Balance$100,000
DetailsJumbo Certificates of Deposit, $100,000 minimum; With Checking rate
Last Updated11/05/2026
Rate History
1 change since Oct 20, 2026 · 3.25% → 3.75% ▲ 0.50 pts · high 3.75% / low 3.25%
Nov 5, 20263.75%▲ from 3.25%
Oct 20, 20263.25%first recorded
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.90%
Jumbo 23-Month CD
3.59%
3.65%
23 months
-
Min Balance$100,000
DetailsJumbo Certificates of Deposit, $100,000 minimum; Without Checking rate
Last Updated11/05/2026
Rate History
No change since Oct 20, 2026 · 3.65% APY · checked 6 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.90%
Jumbo 23-Month CD
3.59%
3.65%
23 months
$1,000
Min Deposit$1,000
Min Balance$100,000
DetailsJumbo Certificates of Deposit, $100,000 minimum; Without Checking rate; Interest compounded monthly
Last Updated11/05/2026
Rate History
No change since Oct 20, 2026 · 3.65% APY · checked 6 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.90%
Jumbo 4-Month CD
3.54%
3.60%
4 months
-
Min Balance$100,000
DetailsJumbo Certificates of Deposit, $100,000 minimum; With Checking rate
Last Updated11/05/2026
Rate History
1 change since Oct 20, 2026 · 3.10% → 3.60% ▲ 0.50 pts · high 3.60% / low 3.10%
Nov 5, 20263.60%▲ from 3.10%
Oct 20, 20263.10%first recorded
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.90%
Jumbo 13-Month CD
3.45%
3.50%
13 months
-
Min Balance$100,000
DetailsJumbo Certificates of Deposit, $100,000 minimum; Without Checking rate
Last Updated11/05/2026
Rate History
No change since Oct 20, 2026 · 3.50% APY · checked 6 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.90%
Jumbo 13-Month CD
3.45%
3.50%
13 months
$1,000
Min Deposit$1,000
Min Balance$100,000
DetailsJumbo Certificates of Deposit, $100,000 minimum; Without Checking rate; Interest compounded monthly
Last Updated11/05/2026
Rate History
No change since Oct 20, 2026 · 3.50% APY · checked 6 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.90%
23-Month CD
3.35%
3.40%
23 months
-
No additional details.
Last Updated11/05/2026
Rate History
No change since Oct 7, 2026 · 3.40% APY · checked 10 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.90%
13-Month CD
3.20%
3.25%
13 months
-
No additional details.
Last Updated11/05/2026
Rate History
1 change since Sep 19, 2026 · 3.05% → 3.25% ▲ 0.20 pts · high 3.25% / low 3.05%
Oct 7, 20263.25%▲ from 3.05%
Sep 19, 20263.05%first recorded
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.90%
Jumbo 7-Month CD
3.20%
3.25%
7 months
-
Min Balance$100,000
DetailsJumbo Certificates of Deposit, $100,000 minimum; Without Checking rate
Last Updated11/05/2026
Rate History
No change since Oct 20, 2026 · 3.25% APY · checked 6 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.90%
Jumbo 7-Month CD
3.20%
3.25%
7 months
$1,000
Min Deposit$1,000
Min Balance$100,000
DetailsJumbo Certificates of Deposit, $100,000 minimum; Without Checking rate; Interest compounded monthly
Last Updated11/05/2026
Rate History
No change since Oct 20, 2026 · 3.25% APY · checked 6 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.90%
Jumbo 18-Month Bump CD
3.15%
3.20%
18 months
$1,000
Min Deposit$1,000
Min Balance$100,000
DetailsJumbo Certificates of Deposit, $100,000 minimum; Without Checking rate; Client may bump the rate one time during the initial term to the then current 18-month Bump Rate CD; Interest compounded monthly
Last Updated11/05/2026
Rate History
No change since Oct 20, 2026 · 3.20% APY · checked 6 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.90%
Jumbo 12-Month CD
3.06%
3.10%
12 months
-
Min Balance$100,000
DetailsJumbo Certificates of Deposit, $100,000 minimum; With Checking rate
Last Updated11/05/2026
Rate History
1 change since Oct 20, 2026 · 2.60% → 3.10% ▲ 0.50 pts · high 3.10% / low 2.60%
Nov 5, 20263.10%▲ from 2.60%
Oct 20, 20262.60%first recorded
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.90%
Jumbo 4-Month CD
3.06%
3.10%
4 months
-
Min Balance$100,000
DetailsJumbo Certificates of Deposit, $100,000 minimum; Without Checking rate
Last Updated11/05/2026
Rate History
No change since Oct 20, 2026 · 3.10% APY · checked 6 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.90%
Jumbo 4-Month CD
3.06%
3.10%
4 months
$1,000
Min Deposit$1,000
Min Balance$100,000
DetailsJumbo Certificates of Deposit, $100,000 minimum; Without Checking rate; Interest compounded monthly
Last Updated11/05/2026
Rate History
No change since Oct 20, 2026 · 3.10% APY · checked 6 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.90%
Jumbo 6-Month CD
3.01%
3.05%
6 months
-
Min Balance$100,000
DetailsJumbo Certificates of Deposit, $100,000 minimum; With Checking rate
Last Updated11/05/2026
Rate History
1 change since Oct 20, 2026 · 2.55% → 3.05% ▲ 0.50 pts · high 3.05% / low 2.55%
Nov 5, 20263.05%▲ from 2.55%
Oct 20, 20262.55%first recorded
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.90%
7-Month CD
2.96%
3.00%
7 months
-
No additional details.
Last Updated11/05/2026
Rate History
1 change since Sep 19, 2026 · 2.95% → 3.00% ▲ 0.05 pts · high 3.00% / low 2.95%
Oct 7, 20263.00%▲ from 2.95%
Sep 19, 20262.95%first recorded
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.90%
18-Month Bump CD
2.91%
2.95%
18 months
-
DetailsWithout Checking; Bump certificate
Last Updated11/05/2026
Rate History
No change since Sep 19, 2026 · 2.95% APY · checked 13 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.90%
4-Month CD
2.81%
2.85%
4 months
-
No additional details.
Last Updated11/05/2026
Rate History
No change since Sep 19, 2026 · 2.85% APY · checked 14 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.90%
Jumbo 24-Month CD
2.81%
2.85%
24 months
-
Min Balance$100,000
DetailsJumbo Certificates of Deposit, $100,000 minimum; With Checking rate
Last Updated11/05/2026
Rate History
1 change since Oct 20, 2026 · 2.35% → 2.85% ▲ 0.50 pts · high 2.85% / low 2.35%
Nov 5, 20262.85%▲ from 2.35%
Oct 20, 20262.35%first recorded
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.90%
Jumbo 3-Month CD
2.72%
2.75%
3 months
-
Min Balance$100,000
DetailsJumbo Certificates of Deposit, $100,000 minimum; With Checking rate
Last Updated11/05/2026
Rate History
1 change since Oct 20, 2026 · 2.25% → 2.75% ▲ 0.50 pts · high 2.75% / low 2.25%
Nov 5, 20262.75%▲ from 2.25%
Oct 20, 20262.25%first recorded
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.90%
Jumbo 60-Month CD
2.67%
2.70%
60 months
-
Min Balance$100,000
DetailsJumbo Certificates of Deposit, $100,000 minimum; With Checking rate
Last Updated11/05/2026
Rate History
1 change since Oct 20, 2026 · 2.20% → 2.70% ▲ 0.50 pts · high 2.70% / low 2.20%
Nov 5, 20262.70%▲ from 2.20%
Oct 20, 20262.20%first recorded
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.90%
Jumbo 12-Month CD
2.57%
2.60%
12 months
-
Min Balance$100,000
DetailsJumbo Certificates of Deposit, $100,000 minimum; Without Checking rate
Last Updated11/05/2026
Rate History
No change since Oct 20, 2026 · 2.60% APY · checked 6 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.90%
Jumbo 12-Month CD
2.57%
2.60%
12 months
$1,000
Min Deposit$1,000
Min Balance$100,000
DetailsJumbo Certificates of Deposit, $100,000 minimum; Without Checking rate; Interest compounded monthly
Last Updated11/05/2026
Rate History
No change since Oct 20, 2026 · 2.60% APY · checked 6 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.90%
Jumbo 48-Month CD
2.52%
2.55%
48 months
-
Min Balance$100,000
DetailsJumbo Certificates of Deposit, $100,000 minimum; With Checking rate
Last Updated11/05/2026
Rate History
1 change since Oct 20, 2026 · 2.05% → 2.55% ▲ 0.50 pts · high 2.55% / low 2.05%
Nov 5, 20262.55%▲ from 2.05%
Oct 20, 20262.05%first recorded
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.90%
Jumbo 6-Month CD
2.52%
2.55%
6 months
-
Min Balance$100,000
DetailsJumbo Certificates of Deposit, $100,000 minimum; Without Checking rate
Last Updated11/05/2026
Rate History
No change since Oct 20, 2026 · 2.55% APY · checked 6 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.90%
Jumbo 6-Month CD
2.52%
2.55%
6 months
$1,000
Min Deposit$1,000
Min Balance$100,000
DetailsJumbo Certificates of Deposit, $100,000 minimum; Without Checking rate; Interest compounded monthly
Last Updated11/05/2026
Rate History
No change since Oct 20, 2026 · 2.55% APY · checked 6 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.90%
Jumbo 36-Month CD
2.42%
2.45%
36 months
-
Min Balance$100,000
DetailsJumbo Certificates of Deposit, $100,000 minimum; With Checking rate
Last Updated11/05/2026
Rate History
1 change since Oct 20, 2026 · 1.95% → 2.45% ▲ 0.50 pts · high 2.45% / low 1.95%
Nov 5, 20262.45%▲ from 1.95%
Oct 20, 20261.95%first recorded
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.90%
12-Month CD
2.33%
2.35%
12 months
-
No additional details.
Last Updated11/05/2026
Rate History
No change since Sep 19, 2026 · 2.35% APY · checked 14 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.90%
Jumbo 24-Month CD
2.33%
2.35%
24 months
-
Min Balance$100,000
DetailsJumbo Certificates of Deposit, $100,000 minimum; Without Checking rate
Last Updated11/05/2026
Rate History
No change since Oct 20, 2026 · 2.35% APY · checked 6 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.90%
Jumbo 24-Month CD
2.33%
2.35%
24 months
$1,000
Min Deposit$1,000
Min Balance$100,000
DetailsJumbo Certificates of Deposit, $100,000 minimum; Without Checking rate; Interest compounded monthly
Last Updated11/05/2026
Rate History
No change since Oct 20, 2026 · 2.35% APY · checked 6 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.90%
6-Month CD
2.28%
2.30%
6 months
-
No additional details.
Last Updated11/05/2026
Rate History
No change since Sep 19, 2026 · 2.30% APY · checked 14 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.90%
Jumbo 3-Month CD
2.23%
2.25%
3 months
-
Min Balance$100,000
DetailsJumbo Certificates of Deposit, $100,000 minimum; Without Checking rate
Last Updated11/05/2026
Rate History
No change since Oct 20, 2026 · 2.25% APY · checked 6 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.90%
Jumbo 3-Month CD
2.23%
2.25%
3 months
$1,000
Min Deposit$1,000
Min Balance$100,000
DetailsJumbo Certificates of Deposit, $100,000 minimum; Without Checking rate; Interest compounded monthly
Last Updated11/05/2026
Rate History
No change since Oct 20, 2026 · 2.25% APY · checked 6 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.90%
Jumbo 60-Month CD
2.18%
2.20%
60 months
-
Min Balance$100,000
DetailsJumbo Certificates of Deposit, $100,000 minimum; Without Checking rate
Last Updated11/05/2026
Rate History
No change since Oct 20, 2026 · 2.20% APY · checked 6 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.90%
Jumbo 60-Month CD
2.18%
2.20%
60 months
$1,000
Min Deposit$1,000
Min Balance$100,000
DetailsJumbo Certificates of Deposit, $100,000 minimum; Without Checking rate; Interest compounded monthly
Last Updated11/05/2026
Rate History
No change since Oct 20, 2026 · 2.20% APY · checked 6 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.90%
24-Month CD
2.08%
2.10%
24 months
-
No additional details.
Last Updated11/05/2026
Rate History
No change since Sep 19, 2026 · 2.10% APY · checked 14 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.90%
Jumbo 48-Month CD
2.03%
2.05%
48 months
-
Min Balance$100,000
DetailsJumbo Certificates of Deposit, $100,000 minimum; Without Checking rate
Last Updated11/05/2026
Rate History
No change since Oct 20, 2026 · 2.05% APY · checked 6 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.90%
Jumbo 48-Month CD
2.03%
2.05%
48 months
$1,000
Min Deposit$1,000
Min Balance$100,000
DetailsJumbo Certificates of Deposit, $100,000 minimum; Without Checking rate; Interest compounded monthly
Last Updated11/05/2026
Rate History
No change since Oct 20, 2026 · 2.05% APY · checked 6 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.90%
3-Month CD
1.98%
2.00%
3 months
-
No additional details.
Last Updated11/05/2026
Rate History
No change since Sep 19, 2026 · 2.00% APY · checked 14 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.90%
60-Month CD
1.93%
1.95%
60 months
-
No additional details.
Last Updated11/05/2026
Rate History
No change since Sep 19, 2026 · 1.95% APY · checked 14 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.90%
Jumbo 36-Month CD
1.93%
1.95%
36 months
-
Min Balance$100,000
DetailsJumbo Certificates of Deposit, $100,000 minimum; Without Checking rate
Last Updated11/05/2026
Rate History
No change since Oct 20, 2026 · 1.95% APY · checked 6 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.90%
Jumbo 36-Month CD
1.93%
1.95%
36 months
$1,000
Min Deposit$1,000
Min Balance$100,000
DetailsJumbo Certificates of Deposit, $100,000 minimum; Without Checking rate; Interest compounded monthly
Last Updated11/05/2026
Rate History
No change since Oct 20, 2026 · 1.95% APY · checked 6 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.90%
48-Month CD
1.79%
1.80%
48 months
-
No additional details.
Last Updated11/05/2026
Rate History
No change since Sep 19, 2026 · 1.80% APY · checked 14 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.90%
36-Month CD
1.69%
1.70%
36 months
-
No additional details.
Last Updated11/05/2026
Rate History
No change since Sep 19, 2026 · 1.70% APY · checked 14 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.90%
Sound Community Bank Savings Rates
Product
Rate
APY
View More
Education and IRA Savings Account
0.10%
0.10%
Min Deposit$100
Last Updated11/05/2026
Rate History
No change since Sep 19, 2026 · 0.10% APY · checked 14 times
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 Updated11/05/2026
Rate History
No change since Sep 19, 2026 · 0.10% APY · checked 14 times
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 Updated11/05/2026
Rate History
No change since Sep 19, 2026 · 0.10% APY · checked 14 times
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
Last Updated11/05/2026
Rate History
No change since Sep 19, 2026 · 0.10% APY · checked 14 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.90%
Sound Community Bank Business Savings Rates
Product
Rate
APY
View More
Business Savings
0.10%
0.10%
Min Deposit$100
Min Balance$100
Last Updated11/05/2026
Rate History
No change since Sep 19, 2026 · 0.10% APY · checked 14 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.90%
Sound Community Bank Money Market Rates
Product
Rate
APY
View More
Momentum Money Market
3.11%
3.15%
Min Deposit$100
Min Balance$250,000
DetailsBalance: $250,000 and above; Guaranteed rates through 12.01.26
Last Updated11/05/2026
Rate History
No change since Sep 19, 2026 · 3.15% APY · checked 14 times
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
DetailsBalance: $1,000,000 and above
Last Updated11/05/2026
Rate History
No change since Sep 19, 2026 · 3.00% APY · checked 14 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.90%
Apex Money Market
2.81%
2.85%
Min Balance$500,000
DetailsBalance: $500,000 - $999,999
Last Updated11/05/2026
Rate History
No change since Sep 19, 2026 · 2.85% APY · checked 14 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.90%
Apex Money Market
2.72%
2.75%
Min Balance$250,000
DetailsBalance: $250,000 - $499,999
Last Updated11/05/2026
Rate History
No change since Sep 19, 2026 · 2.75% APY · checked 14 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.90%
Apex Money Market
2.57%
2.60%
Min Balance$100,000
DetailsBalance: $100,000 - $249,999
Last Updated11/05/2026
Rate History
No change since Sep 19, 2026 · 2.60% APY · checked 14 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.90%
Momentum Money Market
2.52%
2.55%
Min Deposit$100
Min Balance$100,000
DetailsBalance: $100,000 - $249,999; Guaranteed rates through 12.01.26
Last Updated11/05/2026
Rate History
No change since Sep 19, 2026 · 2.55% APY · checked 14 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.90%
Apex Money Market
1.10%
1.11%
Min Balance$50,000
DetailsBalance: $50,000 - $99,999
Last Updated11/05/2026
Rate History
No change since Sep 19, 2026 · 1.11% APY · checked 14 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.90%
Momentum Money Market
1.09%
1.10%
Min Deposit$100
Min Balance$50,000
DetailsBalance: $50,000 - $99,999; Guaranteed rates through 12.01.26
Last Updated11/05/2026
Rate History
No change since Sep 19, 2026 · 1.10% APY · checked 14 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.90%
Apex Money Market
0.65%
0.65%
Min Balance$25,000
DetailsBalance: $25,000 - $49,999
Last Updated11/05/2026
Rate History
No change since Sep 19, 2026 · 0.65% APY · checked 14 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.90%
Momentum Money Market
0.60%
0.60%
Min Deposit$100
Min Balance$25,000
DetailsBalance: $25,000 - $49,999; Guaranteed rates through 12.01.26
Last Updated11/05/2026
Rate History
No change since Sep 19, 2026 · 0.60% APY · checked 14 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.90%
Apex Money Market
0.10%
0.10%
Min Balance$0
DetailsBalance: $0 - $24,999
Last Updated11/05/2026
Rate History
No change since Sep 19, 2026 · 0.10% APY · checked 14 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.90%
Momentum Money Market
0.00%
0.00%
Min Deposit$100
Min Balance$0
DetailsBalance: $0 - $24,999; Guaranteed rates through 12.01.26
Last Updated11/05/2026
Rate History
No change since Sep 19, 2026 · 0.10% APY · checked 7 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.90%
Sound Community Bank Business Money Market Rates
Product
Rate
APY
View More
Business Premier Money Market
3.45%
3.50%
Min Deposit$100
Min Balance$1,000,000
DetailsBalance: $1,000,000 and above
Last Updated11/05/2026
Rate History
No change since Sep 19, 2026 · 3.50% APY · checked 14 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.90%
Business Premier Money Market
3.20%
3.25%
Min Deposit$100
Min Balance$750,000
DetailsBalance: $750,000 - $999,999
Last Updated11/05/2026
Rate History
No change since Sep 19, 2026 · 3.25% APY · checked 14 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.90%
Business Premier Money Market
2.96%
3.00%
Min Deposit$100
Min Balance$500,000
DetailsBalance: $500,000 - $749,999
Last Updated11/05/2026
Rate History
No change since Sep 19, 2026 · 3.00% APY · checked 14 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.90%
Business Premier Money Market
2.81%
2.85%
Min Deposit$100
Min Balance$250,000
DetailsBalance: $250,000 - $499,999
Last Updated11/05/2026
Rate History
No change since Sep 19, 2026 · 2.85% APY · checked 14 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.90%
Business Premier Money Market
1.10%
1.11%
Min Deposit$100
Min Balance$100,000
DetailsBalance: $100,000 - $249,999
Last Updated11/05/2026
Rate History
No change since Sep 19, 2026 · 1.11% APY · checked 14 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.90%
Business Premier Money Market
0.85%
0.85%
Min Deposit$100
Min Balance$50,000
DetailsBalance: $50,000 - $99,999
Last Updated11/05/2026
Rate History
No change since Sep 19, 2026 · 0.85% APY · checked 14 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.90%
Business Premier Money Market
0.10%
0.10%
Min Deposit$100
Min Balance$0
DetailsBalance: $0 - $49,999
Last Updated11/05/2026
Rate History
No change since Sep 19, 2026 · 0.10% APY · checked 14 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.90%
Sound Community Bank Checking Rates
Product
Rate
APY
View More
Interest Plus Checking
1.10%
1.11%
Min Deposit$100
Min Balance$50,000
DetailsBalance: $50,000 and above
Last Updated11/05/2026
Rate History
No change since Sep 19, 2026 · 1.11% APY · checked 14 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.90%
Interest Plus Checking
0.75%
0.75%
Min Deposit$100
Min Balance$20,000
DetailsBalance: $20,000 - $49,999
Last Updated11/05/2026
Rate History
No change since Sep 19, 2026 · 0.75% APY · checked 14 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.90%
Interest Plus Checking
0.10%
0.10%
Min Deposit$100
Min Balance$0
DetailsBalance: $0 - $4,999
Last Updated11/05/2026
Rate History
No change since Sep 19, 2026 · 0.10% APY · checked 14 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.90%
Interest Plus Checking
0.10%
0.10%
Min Deposit$100
Min Balance$5,000
DetailsBalance: $5,000 - $19,999
Last Updated11/05/2026
Rate History
No change since Sep 19, 2026 · 0.10% APY · checked 14 times
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
DetailsMust maintain a minimum balance of $1,000.00 in the account each day to obtain the disclosed APY; Variable rate account, rate may change after account is open
Last Updated11/05/2026
Rate History
No change since Sep 19, 2026 · 0.01% APY · checked 14 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.90%
Sound Community Bank Auto Loan Rates
Product
Rate
Points
APR
Term
View More
Auto Loan - Electric/Hybrid 2024 and Newer
-
-
5.54%
36 months
DetailsAs Low As; Electric/Hybrid 2024 and Newer; best rates based on credit quality and subject to credit qualification
Last Updated11/05/2026
Rate History
No change since Oct 14, 2026 · 5.54% APR · checked 7 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.90%
Auto Loan - Electric/Hybrid 2024 and Newer
-
-
5.80%
48 months
DetailsAs Low As; Electric/Hybrid 2024 and Newer; best rates based on credit quality and subject to credit qualification
Last Updated11/05/2026
Rate History
No change since Oct 14, 2026 · 5.80% APR · checked 7 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.90%
New Auto: 2024 and Newer
-
-
6.04%
36 months
DetailsAs Low As; Rates quoted are best rates based on credit quality and are subject to credit qualification.
Last Updated11/05/2026
Rate History
1 change since Sep 15, 2026 · 5.54% → 6.04% ▲ 0.50 pts · high 6.04% / low 5.54%
Oct 7, 20266.04%▲ from 5.54%
Sep 15, 20265.54%first recorded
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.90%
Auto Loan - Electric/Hybrid 2024 and Newer
-
-
6.12%
60 months
DetailsAs Low As; Electric/Hybrid 2024 and Newer; best rates based on credit quality and subject to credit qualification
Last Updated11/05/2026
Rate History
No change since Oct 14, 2026 · 6.12% APR · checked 7 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.90%
New Auto: 2024 and Newer
-
-
6.30%
48 months
DetailsAs Low As; Rates quoted are best rates based on credit quality and are subject to credit qualification.
Last Updated11/05/2026
Rate History
1 change since Sep 15, 2026 · 5.80% → 6.30% ▲ 0.50 pts · high 6.30% / low 5.80%
Oct 7, 20266.30%▲ from 5.80%
Sep 15, 20265.80%first recorded
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.90%
Auto Loan - Electric/Hybrid 2024 and Newer
-
-
6.54%
72 months
DetailsAs Low As; Electric/Hybrid 2024 and Newer; best rates based on credit quality and subject to credit qualification
Last Updated11/05/2026
Rate History
No change since Oct 14, 2026 · 6.54% APR · checked 7 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.90%
New Auto: 2024 and Newer
-
-
6.62%
60 months
DetailsAs Low As; Rates quoted are best rates based on credit quality and are subject to credit qualification.
Last Updated11/05/2026
Rate History
1 change since Sep 15, 2026 · 6.12% → 6.62% ▲ 0.50 pts · high 6.62% / low 6.12%
Oct 7, 20266.62%▲ from 6.12%
Sep 15, 20266.12%first recorded
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.90%
Auto Loan - Electric/Hybrid 2024 and Newer
-
-
6.68%
84 months
DetailsAs Low As; Electric/Hybrid 2024 and Newer; best rates based on credit quality and subject to credit qualification
Last Updated11/05/2026
Rate History
No change since Oct 14, 2026 · 6.68% APR · checked 7 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.90%
Used Auto: 2011 and Newer
-
-
6.75%
36 months
DetailsAs Low As; Rates quoted are best rates based on credit quality and are subject to credit qualification
Last Updated11/05/2026
Rate History
1 change since Sep 15, 2026 · 6.25% → 6.75% ▲ 0.50 pts · high 6.75% / low 6.25%
Oct 7, 20266.75%▲ from 6.25%
Sep 15, 20266.25%first recorded
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.90%
Used Auto: 2011 and Newer
-
-
6.99%
48 months
DetailsAs Low As; Rates quoted are best rates based on credit quality and are subject to credit qualification
Last Updated11/05/2026
Rate History
1 change since Sep 15, 2026 · 6.49% → 6.99% ▲ 0.50 pts · high 6.99% / low 6.49%
Oct 7, 20266.99%▲ from 6.49%
Sep 15, 20266.49%first recorded
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.90%
New Auto: 2024 and Newer
-
-
7.04%
72 months
DetailsAs Low As; Rates quoted are best rates based on credit quality and are subject to credit qualification.
Last Updated11/05/2026
Rate History
1 change since Sep 15, 2026 · 6.54% → 7.04% ▲ 0.50 pts · high 7.04% / low 6.54%
Oct 7, 20267.04%▲ from 6.54%
Sep 15, 20266.54%first recorded
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.90%
New Auto: 2024 and Newer
-
-
7.18%
84 months
DetailsAs Low As; Rates quoted are best rates based on credit quality and are subject to credit qualification.
Last Updated11/05/2026
Rate History
1 change since Sep 15, 2026 · 6.68% → 7.18% ▲ 0.50 pts · high 7.18% / low 6.68%
Oct 7, 20267.18%▲ from 6.68%
Sep 15, 20266.68%first recorded
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.90%
Used Auto: 2011 and Newer
-
-
7.21%
60 months
DetailsAs Low As; Rates quoted are best rates based on credit quality and are subject to credit qualification
Last Updated11/05/2026
Rate History
1 change since Sep 15, 2026 · 6.71% → 7.21% ▲ 0.50 pts · high 7.21% / low 6.71%
Oct 7, 20267.21%▲ from 6.71%
Sep 15, 20266.71%first recorded
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.90%
Used Auto: 2011 and Newer
-
-
7.66%
72 months
DetailsAs Low As; Rates quoted are best rates based on credit quality and are subject to credit qualification
Last Updated11/05/2026
Rate History
1 change since Sep 15, 2026 · 7.16% → 7.66% ▲ 0.50 pts · high 7.66% / low 7.16%
Oct 7, 20267.66%▲ from 7.16%
Sep 15, 20267.16%first recorded
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.90%
Used Auto: 2011 and Newer
-
-
7.80%
84 months
DetailsAs Low As; Rates quoted are best rates based on credit quality and are subject to credit qualification
Last Updated11/05/2026
Rate History
1 change since Sep 15, 2026 · 7.30% → 7.80% ▲ 0.50 pts · high 7.80% / low 7.30%
Oct 7, 20267.80%▲ from 7.30%
Sep 15, 20267.30%first recorded
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
View More
New Boats Loan
-
7.91%
60 months
DetailsAs Low As; Model Year: 2024 and Newer; Rates quoted are best rates based on credit quality and are subject to credit qualification
Last Updated11/05/2026
Rate History
No change since Oct 20, 2026 · 7.91% APR · checked 6 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.90%
New Boats: 2024 and Newer Loan
-
7.91%
60 months
DetailsAs Low As; Term column printed as 60; best rates based on credit quality and subject to credit qualification
Last Updated11/05/2026
Rate History
1 change since Sep 15, 2026 · 7.41% → 7.91% ▲ 0.50 pts · high 7.91% / low 7.41%
Oct 7, 20267.91%▲ from 7.41%
Sep 15, 20267.41%first recorded
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.90%
New RV Loan - 2024 and Newer
-
7.91%
60 months
DetailsAs Low As; Model Year: 2024 and Newer
Last Updated11/05/2026
Rate History
No change since Nov 5, 2026 · 7.91% APR
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.90%
New Boats Loan
-
8.32%
120 months
DetailsAs Low As; Model Year: 2024 and Newer; Rates quoted are best rates based on credit quality and are subject to credit qualification
Last Updated11/05/2026
Rate History
No change since Oct 20, 2026 · 8.32% APR · checked 6 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.90%
New Boats: 2024 and Newer Loan
-
8.32%
120 months
DetailsAs Low As; Term column printed as 120; best rates based on credit quality and subject to credit qualification
Last Updated11/05/2026
Rate History
1 change since Sep 15, 2026 · 7.82% → 8.32% ▲ 0.50 pts · high 8.32% / low 7.82%
Oct 7, 20268.32%▲ from 7.82%
Sep 15, 20267.82%first recorded
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.90%
New RV Loan - 2024 and Newer
-
8.32%
120 months
DetailsAs Low As; Model Year: 2024 and Newer
Last Updated11/05/2026
Rate History
No change since Nov 5, 2026 · 8.32% APR
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.90%
Used Boats - 60 Months Loan
-
8.92%
60 months
DetailsAs Low As; Model Year: 2016 and Newer; Rates quoted are best rates based on credit quality and are subject to credit qualification
Last Updated11/05/2026
Rate History
No change since Oct 20, 2026 · 8.92% APR · checked 6 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.90%
Used Boats: 2016 and Newer Loan
-
8.92%
60 months
DetailsAs Low As; Model Year: 2016 and Newer; Rates quoted are best rates based on credit quality and are subject to credit qualification
Last Updated11/05/2026
Rate History
1 change since Sep 15, 2026 · 8.42% → 8.92% ▲ 0.50 pts · high 8.92% / low 8.42%
Oct 7, 20268.92%▲ from 8.42%
Sep 15, 20268.42%first recorded
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.90%
Used RV Loan - 2016 and Newer
-
8.92%
60 months
DetailsAs Low As; Model Year: 2016 and Newer
Last Updated11/05/2026
Rate History
No change since Nov 5, 2026 · 8.92% APR
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.90%
Used RV's: 2016 and Newer Loan
-
8.92%
60 months
DetailsAs Low As; Rates quoted are best rates based on credit quality and are subject to credit qualification
Last Updated11/05/2026
Rate History
1 change since Sep 15, 2026 · 8.42% → 8.92% ▲ 0.50 pts · high 8.92% / low 8.42%
Oct 7, 20268.92%▲ from 8.42%
Sep 15, 20268.42%first recorded
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.90%
New Other (Motorcycle, ATV, Jet Ski and Snowmobile) Loan
-
8.96%
48 to 60 months
DetailsAs Low As; Model Year: 2024 and Newer; Rates based on auto-pay from an active Sound Community Bank checking account; add 0.50% if auto-pay from another institution or no auto pay
Last Updated11/05/2026
Rate History
1 change since Sep 15, 2026 · 8.46% → 8.96% ▲ 0.50 pts · high 8.96% / low 8.46%
Oct 14, 20268.96%▲ from 8.46%
Sep 15, 20268.46%first recorded
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
-
8.96%
48 to 60 months
DetailsAs Low As; Rates quoted are best rates based on credit quality and are subject to credit qualification. Add 0.50% if auto-pay from another institution or no auto pay.
Last Updated11/05/2026
Rate History
1 change since Sep 19, 2026 · 8.46% → 8.96% ▲ 0.50 pts · high 8.96% / low 8.46%
Oct 14, 20268.96%▲ from 8.46%
Sep 19, 20268.46%first recorded
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.90%
New Other (Motorcycle, ATV, Jet Ski and Snowmobile) Loan
-
9.06%
12 to 36 months
DetailsAs Low As; Model Year: 2024 and Newer; Rates based on auto-pay from an active Sound Community Bank checking account; add 0.50% if auto-pay from another institution or no auto pay
Last Updated11/05/2026
Rate History
1 change since Sep 15, 2026 · 8.56% → 9.06% ▲ 0.50 pts · high 9.06% / low 8.56%
Oct 14, 20269.06%▲ from 8.56%
Sep 15, 20268.56%first recorded
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
-
9.06%
12 to 36 months
DetailsAs Low As; Rates quoted are best rates based on credit quality and are subject to credit qualification. Add 0.50% if auto-pay from another institution or no auto pay.
Last Updated11/05/2026
Rate History
1 change since Sep 19, 2026 · 8.56% → 9.06% ▲ 0.50 pts · high 9.06% / low 8.56%
Oct 14, 20269.06%▲ from 8.56%
Sep 19, 20268.56%first recorded
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.90%
Used Boats - 120 Months Loan
-
9.32%
120 months
DetailsAs Low As; Model Year: 2016 and Newer; Rates quoted are best rates based on credit quality and are subject to credit qualification
Last Updated11/05/2026
Rate History
No change since Oct 20, 2026 · 9.32% APR · checked 6 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.90%
Used Boats: 2016 and Newer Loan
-
9.32%
120 months
DetailsAs Low As; Model Year: 2016 and Newer; Rates quoted are best rates based on credit quality and are subject to credit qualification
Last Updated11/05/2026
Rate History
1 change since Sep 15, 2026 · 8.82% → 9.32% ▲ 0.50 pts · high 9.32% / low 8.82%
Oct 7, 20269.32%▲ from 8.82%
Sep 15, 20268.82%first recorded
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.90%
Used RV Loan - 2016 and Newer
-
9.32%
120 months
DetailsAs Low As; Model Year: 2016 and Newer
Last Updated11/05/2026
Rate History
No change since Nov 5, 2026 · 9.32% APR
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.90%
Used RV's: 2016 and Newer Loan
-
9.32%
120 months
DetailsAs Low As; Rates quoted are best rates based on credit quality and are subject to credit qualification
Last Updated11/05/2026
Rate History
1 change since Sep 15, 2026 · 8.82% → 9.32% ▲ 0.50 pts · high 9.32% / low 8.82%
Oct 7, 20269.32%▲ from 8.82%
Sep 15, 20268.82%first recorded
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.90%
Used Other (Motorcycle, ATV, Jet Ski and Snowmobile) Loan
-
9.80%
24 to 36 months
DetailsAs Low As; Model Year: 2016 and Newer
Last Updated11/05/2026
Rate History
No change since Oct 31, 2026 · 9.80% APR · checked 2 times
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
-
9.80%
24 to 36 months
DetailsAs Low As; Model Year: 2016 and Newer; Add 0.50% if auto-pay from another institution or no auto pay
Last Updated11/05/2026
Rate History
1 change since Sep 15, 2026 · 9.30% → 9.80% ▲ 0.50 pts · high 9.80% / low 9.30%
Oct 7, 20269.80%▲ from 9.30%
Sep 15, 20269.30%first recorded
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.90%
Used Other (Motorcycle, ATV, Jet Ski and Snowmobile) Loan
-
10.52%
12 months
DetailsAs Low As; Model Year: 2016 and Newer
Last Updated11/05/2026
Rate History
No change since Oct 31, 2026 · 10.52% APR · checked 2 times
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
-
10.52%
12 months
DetailsAs Low As; Model Year: 2016 and Newer; Add 0.50% if auto-pay from another institution or no auto pay
Last Updated11/05/2026
Rate History
1 change since Sep 15, 2026 · 10.02% → 10.52% ▲ 0.50 pts · high 10.52% / low 10.02%
Oct 7, 202610.52%▲ from 10.02%
Sep 15, 202610.02%first recorded
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.90%
Sound Community Bank Personal Loan Rates
Product
APR
Term
View More
Personal Unsecured Loans
13.95%
24 months
DetailsAs Low As; APR* as low as 13.95%; Rates quoted are best rates based on credit quality and subject to credit qualification; Rates quoted are based on automatic payments from an active Sound Community Bank checking account; add 0.50% if auto-pay from another institution or no auto pay
Last Updated11/05/2026
Rate History
No change since Sep 15, 2026 · 13.95% APR · checked 15 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.90%
Sound Community Bank Other Rates
Product
Rate
Points
APY/APR
Term
View More
Preferred Line of Credit
-
-
12.00%
60 months
DetailsAs Low As; Loan Range: $5,000-$25,000
Last Updated11/05/2026
Rate History
No change since Oct 14, 2026 · 12.00% APR · checked 7 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.90%
Small Dollar Loan
-
-
20.77%
12 months
DetailsAs Low As; APR as low as 20.77%; Personal Unsecured Loan
Last Updated11/05/2026
Rate History
No change since Oct 14, 2026 · 20.77% APR · checked 7 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.90%
Small Dollar Loan
-
-
15.72%
24 months
DetailsAs Low As; APR as low as 15.72%; Personal Unsecured Loan
Last Updated11/05/2026
Rate History
No change since Oct 14, 2026 · 15.72% APR · checked 7 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.90%
Small Dollar Loan
-
-
14.84%
36 months
DetailsAs Low As; APR as low as 14.84%; Personal Unsecured Loan
Last Updated11/05/2026
Rate History
No change since Oct 14, 2026 · 14.84% APR · checked 7 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.90%
12 Month Certificate of Deposit - With Checking
2.81%
-
2.85%
12 months
DetailsWith Checking
Last Updated11/05/2026
Rate History
No change since Oct 14, 2026 · 2.85% APY · checked 7 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.90%
13 Month Certificate of Deposit - With Checking
3.69%
-
3.75%
13 months
DetailsWith Checking
Last Updated11/05/2026
Rate History
No change since Oct 14, 2026 · 3.75% APY · checked 7 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.90%
18 Month Bump Certificate of Deposit - With Checking
3.40%
-
3.45%
18 months
DetailsWith Checking; Bump certificate
Last Updated11/05/2026
Rate History
No change since Oct 20, 2026 · 3.45% APY · checked 6 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.90%
23 Month Certificate of Deposit - With Checking
3.83%
-
3.90%
23 months
DetailsWith Checking
Last Updated11/05/2026
Rate History
No change since Oct 14, 2026 · 3.90% APY · checked 7 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.90%
24 Month Certificate of Deposit - With Checking
2.57%
-
2.60%
24 months
DetailsWith Checking
Last Updated11/05/2026
Rate History
No change since Oct 14, 2026 · 2.60% APY · checked 7 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.90%
3 Month Certificate of Deposit - With Checking
2.47%
-
2.50%
3 months
DetailsWith Checking
Last Updated11/05/2026
Rate History
No change since Oct 14, 2026 · 2.50% APY · checked 7 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.90%
36 Month Certificate of Deposit - With Checking
2.18%
-
2.20%
36 months
DetailsWith Checking
Last Updated11/05/2026
Rate History
No change since Oct 14, 2026 · 2.20% APY · checked 7 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.90%
4 Month Certificate of Deposit - With Checking
3.30%
-
3.35%
4 months
DetailsWith Checking
Last Updated11/05/2026
Rate History
No change since Oct 14, 2026 · 3.35% APY · checked 7 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.90%
48 Month Certificate of Deposit - With Checking
2.28%
-
2.30%
48 months
DetailsWith Checking
Last Updated11/05/2026
Rate History
No change since Oct 14, 2026 · 2.30% APY · checked 7 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.90%
6 Month Certificate of Deposit - With Checking
2.76%
-
2.80%
6 months
DetailsWith Checking
Last Updated11/05/2026
Rate History
No change since Oct 14, 2026 · 2.80% APY · checked 7 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.90%
60 Month Certificate of Deposit - With Checking
2.42%
-
2.45%
60 months
DetailsWith Checking
Last Updated11/05/2026
Rate History
No change since Oct 14, 2026 · 2.45% APY · checked 7 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.90%
7 Month Certificate of Deposit - With Checking
3.45%
-
3.50%
7 months
DetailsWith Checking
Last Updated11/05/2026
Rate History
No change since Oct 14, 2026 · 3.50% APY · checked 7 times
No change since Sep 27, 2026 · 1.16% APY · checked 10 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.90%
eMoney Maker
1.40%
-
1.41%
Min Deposit$100
Min Balance$1,000,000
DetailsBalance: $1,000,000 and above; Requires eStatements
Last Updated11/05/2026
Rate History
No change since Sep 27, 2026 · 1.41% APY · checked 10 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.90%
Jumbo 12 Month Certificate of Deposit - With Checking
3.06%
-
3.10%
12 months
Min Deposit$1,000
Min Balance$100,000
DetailsJumbo Certificates of Deposit, $100,000 minimum; With Checking rate; Offered rate based on banking relationships; Interest compounded monthly
Last Updated11/05/2026
Rate History
No change since Oct 20, 2026 · 3.10% APY · checked 6 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.90%
Jumbo 13 Month Certificate of Deposit - With Checking
3.93%
-
4.00%
13 months
Min Deposit$1,000
Min Balance$100,000
DetailsJumbo Certificates of Deposit, $100,000 minimum; With Checking rate; Offered rate based on banking relationships; Interest compounded monthly
Last Updated11/05/2026
Rate History
No change since Oct 20, 2026 · 4.00% APY · checked 6 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.90%
Jumbo 18 Month Bump Certificate of Deposit - With Checking
3.64%
-
3.70%
18 months
Min Deposit$1,000
Min Balance$100,000
DetailsJumbo Certificates of Deposit, $100,000 minimum; With Checking rate; Client may bump the rate one time during the initial term to the then current 18-month Bump Rate CD; Offered rate based on banking relationships; Interest compounded monthly
Last Updated11/05/2026
Rate History
No change since Oct 20, 2026 · 3.70% APY · checked 6 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.90%
Jumbo 23 Month Certificate of Deposit - With Checking
4.07%
-
4.15%
23 months
Min Deposit$1,000
Min Balance$100,000
DetailsJumbo Certificates of Deposit, $100,000 minimum; With Checking rate; Offered rate based on banking relationships; Interest compounded monthly
Last Updated11/05/2026
Rate History
No change since Oct 20, 2026 · 4.15% APY · checked 6 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.90%
Jumbo 24 Month Certificate of Deposit - With Checking
2.81%
-
2.85%
24 months
Min Deposit$1,000
Min Balance$100,000
DetailsJumbo Certificates of Deposit, $100,000 minimum; With Checking rate; Offered rate based on banking relationships; Interest compounded monthly
Last Updated11/05/2026
Rate History
No change since Oct 20, 2026 · 2.85% APY · checked 6 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.90%
Jumbo 3 Month Certificate of Deposit - With Checking
2.72%
-
2.75%
3 months
Min Deposit$1,000
Min Balance$100,000
DetailsJumbo Certificates of Deposit, $100,000 minimum; With Checking rate; Offered rate based on banking relationships; Interest compounded monthly
Last Updated11/05/2026
Rate History
No change since Oct 20, 2026 · 2.75% APY · checked 6 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.90%
Jumbo 36 Month Certificate of Deposit - With Checking
2.42%
-
2.45%
36 months
Min Deposit$1,000
Min Balance$100,000
DetailsJumbo Certificates of Deposit, $100,000 minimum; With Checking rate; Offered rate based on banking relationships; Interest compounded monthly
Last Updated11/05/2026
Rate History
No change since Oct 20, 2026 · 2.45% APY · checked 6 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.90%
Jumbo 4 Month Certificate of Deposit - With Checking
3.54%
-
3.60%
4 months
Min Deposit$1,000
Min Balance$100,000
DetailsJumbo Certificates of Deposit, $100,000 minimum; With Checking rate; Offered rate based on banking relationships; Interest compounded monthly
Last Updated11/05/2026
Rate History
No change since Oct 20, 2026 · 3.60% APY · checked 6 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.90%
Jumbo 48 Month Certificate of Deposit - With Checking
2.52%
-
2.55%
48 months
Min Deposit$1,000
Min Balance$100,000
DetailsJumbo Certificates of Deposit, $100,000 minimum; With Checking rate; Offered rate based on banking relationships; Interest compounded monthly
Last Updated11/05/2026
Rate History
No change since Oct 20, 2026 · 2.55% APY · checked 6 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.90%
Jumbo 6 Month Certificate of Deposit - With Checking
3.01%
-
3.05%
6 months
Min Deposit$1,000
Min Balance$100,000
DetailsJumbo Certificates of Deposit, $100,000 minimum; With Checking rate; Offered rate based on banking relationships; Interest compounded monthly
Last Updated11/05/2026
Rate History
No change since Oct 20, 2026 · 3.05% APY · checked 6 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.90%
Jumbo 60 Month Certificate of Deposit - With Checking
2.67%
-
2.70%
60 months
Min Deposit$1,000
Min Balance$100,000
DetailsJumbo Certificates of Deposit, $100,000 minimum; With Checking rate; Offered rate based on banking relationships; Interest compounded monthly
Last Updated11/05/2026
Rate History
No change since Oct 20, 2026 · 2.70% APY · checked 6 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.90%
Jumbo 7 Month Certificate of Deposit - With Checking
3.69%
-
3.75%
7 months
Min Deposit$1,000
Min Balance$100,000
DetailsJumbo Certificates of Deposit, $100,000 minimum; With Checking rate; Offered rate based on banking relationships; Interest compounded monthly
Last Updated11/05/2026
Rate History
No change since Oct 20, 2026 · 3.75% APY · checked 6 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.90%
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 held steady at a healthy level 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.
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.
Copy the HTML below and paste it into your website where you’d like the badge to appear. The badge image is hosted on MonitorBankRates, so there is no need to download or upload anything. Badges are re-tested every quarter, and this profile page always shows the latest results, so the code never needs to change.
Learn more about the MBR Health & Safety Badge program on our methodology page.
Customer Reviews
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Frequently Asked Questions About Sound Community Bank
Does Sound Community Bank offer CDs?
Yes. Sound Community Bank current CD rates include its 23-Month CD at 3.40% APY, its 13-Month CD at 3.25% APY and its 7-Month CD at 3.00% APY, verified by MonitorBankRates as of November 5, 2026.
Are CDs from Sound Community Bank FDIC insured?
Yes. Sound Community Bank is insured by the Federal Deposit Insurance Corporation (FDIC), so CDs opened there are insured up to $250,000 per depositor, per ownership category.
What is the highest CD rate at Sound Community Bank?
The highest Sound Community Bank CD rate is its Jumbo 23-Month Certificate of Deposit at 4.15% APY, verified by MonitorBankRates as of November 5, 2026.
What CD terms does Sound Community Bank offer?
Sound Community Bank CD rates are 2.85% APY for a 4 month CD, 3.00% APY for a 7 month CD, 2.85% APY for a 12 month CD, 3.25% APY for a 13 month CD, 3.45% APY for an 18 month CD, 3.40% APY for a 23 month CD, 2.60% APY for a 2 year CD, 2.20% APY for a 3 year CD, 2.30% APY for a 4 year CD and 2.45% APY for a 5 year CD, verified by MonitorBankRates as of November 5, 2026. The institution may offer other terms or specials that are not listed here, so check with Sound Community Bank for its full lineup.
What is the highest savings rate at Sound Community Bank?
The highest Sound Community Bank savings rate is its Business Savings at 0.10% APY, verified by MonitorBankRates as of November 5, 2026.
What is the highest money market rate at Sound Community Bank?
The highest Sound Community Bank money market rate is its Business Premier Money Market at 3.50% APY, verified by MonitorBankRates as of November 5, 2026.
What is the highest checking rate at Sound Community Bank?
The highest Sound Community Bank checking rate is its Interest Plus Checking at 1.11% APY, verified by MonitorBankRates as of November 5, 2026.
What is the lowest auto loan rate at Sound Community Bank?
The lowest Sound Community Bank auto loan rate is its Auto Loan - Electric/Hybrid 2024 and Newer at 5.54% APR, verified by MonitorBankRates as of November 5, 2026.
What is the lowest personal loan rate at Sound Community Bank?
The lowest Sound Community Bank personal loan rate is its Personal Unsecured Loans at 13.95% APR, verified by MonitorBankRates as of November 5, 2026.
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.
Are all CD rates listed on MonitorBankRates federally insured?
Most are. Banks are insured by the FDIC and most credit unions by the NCUA, up to $250,000 per depositor, per ownership category. A small number of credit unions are privately insured instead, and we label them on their pages. MonitorBankRates is not a bank or credit union; deposit insurance comes from the institution where you open the account.
I want to open a CD with an institution listed on MonitorBankRates. How do I open the account?
You open the account directly with the bank or credit union. Use the View button next to a rate to go to the institution's website, then apply online, by phone or at a branch. Confirm the current rate and terms with the institution before you deposit.
If I open a CD I found on MonitorBankRates, is my account with MonitorBankRates or the institution?
Your account is with the financial institution. MonitorBankRates is a rate comparison site; we do not open accounts, hold deposits or handle your money.
Why are some CD offers not available for me to open?
Some offers are limited to certain states or local areas, require membership or an existing account, need a minimum deposit, or were promotions that have since ended. Rates can also change after we verify them. The institution's website has the current eligibility rules.
How do Sound Community Bank rates compare?
Sound Community Bank's top CD rate of 4.15% APY on a 23 month CD is 41% higher than the MonitorBankRates national average of 2.94% APY for that term, and it has an A health rating. Sound Community Bank's top rates are its 23-Months Jumbo 23-Month Certificate of Deposit at 4.15% APY, its Business Savings at 0.10% APY, its Business Premier Money Market at 3.50% APY, its Interest Plus Checking at 1.11% APY and its Personal Unsecured Loans at 13.95% APR, verified by MonitorBankRates on November 5, 2026.
Current Sound Community Bank Rates
12-Month CD2.85%
18-Month CD3.45%
24-Month CD2.60%
36-Month CD2.20%
48-Month CD2.30%
60-Month CD2.45%
Savings0.10%
MMA3.50%
Retrieved from our database of financial products. Rates subject to change.