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iAdvertiser Disclosure
Advertiser Disclosure
Some institutions listed may have a business relationship with MonitorBankRates. Our proprietary systems independently track and verify all rates. Advertiser relationships do not influence our Safety Ratings, Star Ratings, Texas Ratio calculations, or the rates shown.
 Sound Federal Credit Union Rates & Review April 2026
Content reviewed by
Brian McKay
Brian McKayFounder & Data ArchitectExpertise
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.
Read Full Bio →
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: April 23, 2026
Sound Federal Credit Union's Personal Loan Rates are at 10.21%. MonitorBankRates evaluates the financial stability of Sound Federal Credit Union with a 4.7 Star Rating, an A- Overall Health Grade, and a Texas Ratio of 11.92%. Rates were last updated on 04/23/2026. Sound Federal Credit Union 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 Federal Credit Union? Share your experience about Sound Federal Credit Union by leaving a review below, or read customer reviews before you decide to use Sound Federal Credit Union. 
Sound Federal Credit Union Home Equity & HELOC
Sound Federal Credit Union Personal Loan Rates
Methodology & Data SourcesMonitorBankRates Star Rating
Our rating for Sound Federal Credit Union is derived from comprehensive financial data published quarterly by the NCUA. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with member 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 credit union's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.
Rate Data Aggregation
We gather Sound Federal Credit Union 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 Federal Credit Union's official website for the most current offers and terms.
Credit Union Profile & Overview
Credit Union Name
Sound Federal Credit Union
Website
https://www.mysoundcu.org
Address
37 North Ave,
Norwalk, CT 06851
Phone
203-977-4701
Fax
203-324-7546
President
Erik Larson
CEO
Megan Legault
Full-Time Employees
21
Part-Time Employees
0
Branch Locations
3
ATM Locations
1
NCUA Insured
✓ Yes — Up to $250,000 per depositor
FinancialsMonitorBankRates Star Rating
4.7 / 5.0 ★
Overall Health & Safety Grade
A- (91/100)
Texas Ratio
11.92%
Return on Assets (ROA)
0.1513%
Return on Equity (ROE)
2.2582%
Non-Performing Loans Ratio (NPL)
1.02%
Total Assets
120,021,937
Total Amount of Shares and Deposits
107,463,677
Total Shares and Deposits < 1 Year
104,476,856
Total Shares and Deposits 1 3 Years
2,676,313
Total Shares and Deposits > 3 Years
310,508
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
4,629,788
Total Uninsured Shares and Deposits > $250K (F+J)
4,629,788
Total Insured Shares and Deposits > $250K (item 17 less item K)
102,833,889
Total Interest Expense (Sum of items 6 8)
1,493,123
Share Certificates
661
Number of Accounts for Share Drafts
4,244
IRA KEOGH Accounts
131
Number of Accounts for Regular Shares
10,265
Non Member Deposits
19
Money Market Shares
74
Net Income (unless the amount is already included in Undivided Earnings)
181,606
Total Cash on Deposit (Amounts Deposited in Financial Institutions)
2,951,403
Total Liabilities
112,087,840
Source: NCUA — Last Updated 09/30/2025
Frequently Asked Questions About Sound Federal Credit UnionIs Sound Federal Credit Union a safe place to deposit money?Yes, Sound Federal Credit Union is considered a safe financial institution. With a Texas Ratio of 11.922827801976%, the institution's financial health is rated as excellent. Your accounts are federally insured by the NCUA (National Credit Union Administration) up to $250,000 per depositor, for each account ownership category. How many branches does Sound Federal Credit Union operate?Sound Federal Credit Union currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes. Is a member application needed to join Sound Federal Credit Union?Yes, to access services at Sound Federal Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations. Is there a first-time homebuyer program?Currently, Sound Federal Credit Union 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 Federal Credit Union provides members with tools to manage their accounts and build a solid financial history. Does Sound Federal Credit Union offer online and mobile banking?Most modern institutions like Sound Federal Credit Union 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.mysoundcu.org. Compare to Other Credit Unions
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