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Rates effective as of May 20, 2024

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Personal Checking and Savings

Interest Plus Checking Learn More

Balance Interest Rate APY*
$0 - $4,999 0.10% 0.10%
$5,000 - $19,999 0.50% 0.50%
$20,000 - $49,999 2.00% 2.02%
$50,000 and above 2.50% 2.53%

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Additional Information:
Minimum Balance to Open the Account: You must deposit $100.00 to open a checking account. You must maintain a minimum balance of $1,000.00 in the account each day to avoid $10.00 monthly fee. Variable Rate Accounts: Rate may change after account is open. Fees may reduce earnings.

*APY: Annual Percentage Yield

Checking Account | Personal Learn More

Account Name Interest Rate APY* Minimum Balance to Open Minimum Balance to Earn APY
Prime Checking (50+ Years of Age) 0.01% 0.01% $100 $1,000

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Additional Information:
Minimum Balance to Open the Account: You must deposit $100.00 to open a checking account. Prime Checking (50+ Years of Age):You must maintain a minimum balance of $1,000.00 in the account each day to obtain the disclosed APY. Variable Rate Accounts: Rate may change after account is open. Fees may reduce earnings.

*APY: Annual Percentage Yield.

Savings Accounts | Personal Learn More

Account Name Interest Rate APY* Minimum Balance to Open Minimum Balance to Earn APY
Regular Savings Account 0.10% 0.10% $100 $100
Youth Savings Account (under 18) 0.10% 0.10% $5 No minimum
HSA (Health Savings Account) 0.10% 0.10% $100 $1,000
Education and IRA Savings Account 0.10% 0.10% $100 No minimum

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Additional Information:
Minimum Balance to Open: Regular Savings Account and IRA: You must deposit $100.00 to open. A minimum balance fee of $3 applies to every statement cycle if the balance in the account falls below $100 any day of the cycle. A Youth Savings account and HSA requires a minimum opening deposit of $5.00.  Regular Savings: You must maintain a minimum balance of $100.00 in the account each day to obtain the disclosed APY. HSA (Health Savings Account): You must maintain a minimum balance of $1,000.00 in the account each day to obtain the disclosed APY. Variable Rate Accounts: Rate may change after account is open. Fees may reduce earnings.

*APY: Annual Percentage Yield

Certificates of Deposit | Personal Learn More

Term Interest Rate Without Checking APY* Without Checking Interest Rate With Checking APY* With Checking
3 Month Certificate of Deposit 3.00% 3.04% 3.50% 3.56%
6 Month Certificate of Deposit 3.20% 3.25% 3.70% 3.76%
10 Month Certificate of Deposit 4.25% 4.33% 4.75% 4.85%
12 Month Certificate of Deposit 3.50% 3.56% 3.75% 3.82%
18 Month Certificate of Deposit 3.00% 3.04% 3.50% 3.56%
24 Month Certificate of Deposit 2.95% 2.99% 3.45% 3.51%
36 Month Certificate of Deposit 2.65% 2.68% 3.15% 3.20%
48 Month Certificate of Deposit 2.25% 2.27% 2.75% 2.78%
60 Month Certificate of Deposit 2.25% 2.27% 2.75% 2.78%

Additional Information:
Minimum Balance to Open the Account: You must deposit $1,000.00 ($500.00 for minors or Individual Retirement Account Certificate of Deposits). Additional $25 minimum deposits are also accepted to IRA certificates to a maximum of the current IRS annual contribution limit. Early withdrawals are subject to a penalty. Fees may reduce earnings. Clients with a checking account receive the "with Checking" rate; clients without a checking account receive the "without Checking" rate.

*APY: Annual Percentage Yield.

Jumbo Certificates of Deposit | $100,000 minimum | Personal

Term Interest Rate Without Checking APY* Without Checking Interest Rate With Checking APY* With Checking
3 Month Certificate of Deposit 3.25% 3.30% 3.75% 3.82%
6 Month Certificate of Deposit 3.95% 4.02% 4.45% 4.54%
10 Month Certificate of Deposit 4.50% 4.59% 5.00% 5.12%
12 Month Certificate of Deposit 4.00% 4.07% 4.50% 4.59%
18 Month Certificate of Deposit 3.75% 3.82% 4.25% 4.33%
24 Month Certificate of Deposit 3.70% 3.76% 4.20% 4.28%
36 Month Certificate of Deposit 3.40% 3.45% 3.90% 3.97%
48 Month Certificate of Deposit 2.60% 2.63% 3.10% 3.14%
60 Month Certificate of Deposit 2.50% 2.53% 3.00% 3.04%

Additional Information:
Minimum Balance to Open the Account: You must deposit $100,000.00. Additional $25 minimum deposits are also accepted to IRA certificates to a maximum of the current IRS annual contribution limit. Early withdrawals are subject to a penalty. Fees may reduce earnings. Clients with a checking account receive the "with Checking" rate; clients without a checking account receive the "without Checking" rate.

*APY: Annual Percentage Yield.

Apex Money Market | Personal Learn More

Balance Interest Rate APY*
$0 - $24,999  0.25%  0.25%
$25,000 - $49,999 2.00% 2.02%
$50,000 - $99,999 2.50% 2.53%
$100,000 - $249,999 3.95% 4.02%
$250,000 - $499,999 4.15% 4.23%
$500,000 - $999,999 4.35% 4.44%
$1,000,000 and above 4.55% 4.65%

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Additional Information:
Minimum Balance to open account: You must deposit $25,000.00 to open an account. A minimum balance fee of $25 applies every statement cycle if the balance in the account falls below $25,000 any day of the cycle. Variable Rate Accounts: Rate may change after account is open. Fees may reduce earnings. Account requires electronic statement delivery (eStatements). This is a consumer only product.

*APY: Annual Percentage Yield.

Momentum Money Market | Personal Learn More

Balance Interest Rate APY*
$0 - $24,999 0.00% 0.00%
$25,000 - $49,999 2.00% 2.02%
$50,000 - $99,999 2.50% 2.53%
$100,000 - $249,999 4.50% 4.59%
$250,000 and above 4.75% 4.85%

Additional Information:
Minimum Balance to Open the Account: You must deposit $100.00 to open an account. A minimum balance fee of $15 applies to every statement cycle if the balance in the account falls below $5,000 any day of the cycle.

Variable Rate Accounts: Guaranteed rates through 09.01.24. Fees may reduce earnings.

*APY: Annual Percentage Yield.

eMoney Maker | Personal Learn More

Balance Interest Rate APY*
$0 - $24,999 0.10% 0.10%
$25,000 - $49,999 0.15% 0.15%
$50,000 - $99,999 0.21% 0.21%
$100,000 - $249,999 0.26% 0.26%
$250,000 - $499,999 0.76% 0.76%
$500,000 - $999,999 1.15% 1.16%
$1,000,000 and above 1.40% 1.41%

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Additional Information:
Minimum Balance to Open the Account: You must deposit $100.00 to open an account. A minimum balance fee of $10 applies every statement cycle if the balance in the account falls below $1,000 any day of the cycle. Variable Rate Accounts: Rate may change after account is open. Fees may reduce earnings. Account requires electronic statement delivery (eStatements)

*APY: Annual Percentage Yield.

Business

Business Savings Learn More

Account Interest Rate APY* Minimum Balance to Open Minimum Balance to Earn APY
Business Savings 0.10% 0.10% $100 $100

Additional Information:
Additional Information: Minimum Balance to Open the Account: You must deposit $100.00 to open a Business Savings account. A minimum balance fee of $3 applies every statement cycle if the balance in the account falls below $100 any day of the cycle. You must maintain a minimum balance of $100.00 in the account each day to obtain the disclosed APY. Variable Rate Accounts: Rate may change after account is open. Fees may reduce earnings.

*APY: Annual Percentage Yield.

eMoney Maker | Business Learn More

Balance Interest Rate APY*
$0 - $24,999 0.10% 0.10%
$25,000 - $49,999 0.15% 0.15%
$50,000 - $99,999 0.21% 0.21%
$100,000 - $249,999 0.26% 0.26%
$250,000 - $499,999 0.76% 0.76%
$500,000 - $999,999 1.15% 1.16%
$1,000,000 and above 1.40% 1.41%

Additional Information:
Minimum Balance to Open the Account: You must deposit $100.00 to open an account. A minimum balance fee of $10 applies every statement cycle if the balance in the account falls below $1,000 any day of the cycle. Variable Rate Accounts: Rate may change after account is open. Fees may reduce earnings. Account requires electronic statement delivery (eStatements)

*APY: Annual Percentage Yield.

Apex Money Market | Business Learn More

Balance Interest Rate APY*
$0 - $24,999  0.25%  0.25%
$25,000 - $49,999 2.00% 2.02%
$50,000 - $99,999 2.50% 2.53%
$100,000 - $249,999 3.95% 4.02%
$250,000 - $499,999 4.15% 4.23%
$500,000 - $999,999 4.35% 4.44%
$1,000,000 and above 4.55% 4.65%

Additional Information: Minimum Balance to open the account: You must deposit $25,000.00 to open an account. A minimum balance fee of $25 applies every statement cycle if the balance in the account falls below $25,000 any day of the cycle. Variable Rate Accounts: Rate may change after account is open. Fees may reduce earnings. Account requires electronic statement delivery (eStatements). *APY: Annual Percentage Yield.

Momentum Money Market | Business Learn More

Balance Interest Rate APY*
$0 - $24,999 0.00% 0.00%
$25,000 - $49,999 2.00% 2.02%
$50,000 - $99,999 2.50% 2.53%
$100,000 - $249,999 4.50% 4.59%
$250,000 and above 4.75% 4.85%

Additional Information:
Minimum Balance to Open the Account: You must deposit $100.00 to open an account. A minimum balance fee of $15 applies to every statement cycle if the balance in the account falls below $5,000 any day of the cycle.

Variable Rate Accounts: Guaranteed rates through 09.01.24. Fees may reduce earnings.

*APY: Annual Percentage Yield.

Certificates of Deposit | Business Learn More

Term Interest Rate Without Checking APY* Without Checking Interest Rate With Checking APY* With Checking
3 Month Certificate of Deposit 3.00% 3.04% 3.50% 3.56%
6 Month Certificate of Deposit 3.20% 3.25% 3.70% 3.76%
10 Month Certificate of Deposit 4.25% 4.33% 4.75% 4.85%
12 Month Certificate of Deposit 3.50% 3.56% 3.75% 3.82%
18 Month Certificate of Deposit 3.00% 3.04% 3.50% 3.56%
24 Month Certificate of Deposit 2.95% 2.99% 3.45% 3.51%
36 Month Certificate of Deposit 2.65% 2.68% 3.15% 3.20%
48 Month Certificate of Deposit 2.25% 2.27% 2.75% 2.78%
60 Month Certificate of Deposit 2.25% 2.27% 2.75% 2.78%

Additional Information:
Minimum Balance to Open the Account: You must deposit $1,000.00 ($500.00 for minors or Individual Retirement Account Certificate of Deposits). Additional $25 minimum deposits are also accepted to IRA certificates to a maximum of the current IRS annual contribution limit. Early withdrawals are subject to a penalty. Fees may reduce earnings. Clients with a checking account receive the "with Checking" rate; clients without a checking account receive the "without Checking" rate.

*APY: Annual Percentage Yield.

Jumbo Certificates of Deposit | $100,000 minimum | Business

Term Interest Rate Without Checking APY* Without Checking Interest Rate With Checking APY* With Checking
3 Month Certificate of Deposit 3.25% 3.30% 3.75% 3.82%
6 Month Certificate of Deposit 3.95% 4.02% 4.45% 4.54%
10 Month Certificate of Deposit 4.50% 4.59% 5.00% 5.12%
12 Month Certificate of Deposit 4.00% 4.07% 4.50% 4.59%
18 Month Certificate of Deposit 3.75% 3.82% 4.25% 4.33%
24 Month Certificate of Deposit 3.70% 3.76% 4.20% 4.28%
36 Month Certificate of Deposit 3.40% 3.45% 3.90% 3.97%
48 Month Certificate of Deposit 2.60% 2.63% 3.10% 3.14%
60 Month Certificate of Deposit 2.50% 2.53% 3.00% 3.04%

Additional Information:
Minimum Balance to Open the Account: You must deposit $100,000.00. Additional $25 minimum deposits are also accepted to IRA certificates to a maximum of the current IRS annual contribution limit. Early withdrawals are subject to a penalty. Fees may reduce earnings. Clients with a checking account receive the "with Checking" rate; clients without a checking account receive the "without Checking" rate.

*APY: Annual Percentage Yield.

Auto Loans

Electric/Hybrid 2022 and Newer Learn More

Term APR* as low as
36 4.69%
48 4.95%
60 5.27%
72 5.69%
84 5.83%

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* Rates quoted are best rates based on credit quality and are subject to credit qualification. Please review full rate sheet or disclosure at bottom of this page for additional detail and requirements.

APR: Annual Percentage Rate

New Auto: 2022 and Newer Learn More

Term APR* as low as
36 5.19%
48 5.45%
60 5.77%
72 6.19%
84 6.33%

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* Rates quoted are best rates based on credit quality and are subject to credit qualification. Please review full rate sheet or disclosure at bottom of this page for additional detail and requirements.

APR: Annual Percentage Rate

Used Auto: 2009 and Newer Learn More

Term APR* as low as
36 6.25%
48 6.49%
60 6.71%
72 7.16%
84 7.30%

View full rate sheet

* Rates quoted are best rates based on credit quality and are subject to credit qualification. Please review full rate sheet or disclosure at bottom of this page for additional detail and requirements.

APR: Annual Percentage Rate

New Boats: 2022 and Newer Learn More

Term APR* as low as
60 7.41%
120 7.82%

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* Rates quoted are best rates based on credit quality and are subject to credit qualification. Please review full rate sheet or disclosure at bottom of this page for additional detail and requirements.

APR: Annual Percentage Rate

Used Boats: 2014 and Newer Learn More

Term APR* as low as
60 8.42%
120 8.82%

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* Rates quoted are best rates based on credit quality and are subject to credit qualification. Please review full rate sheet or disclosure at bottom of this page for additional detail and requirements.

APR: Annual Percentage Rate

New RV's: 2022 and Newer Learn More

Term APR* as low as
60 7.41%
120 7.82%

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* Rates quoted are best rates based on credit quality and are subject to credit qualification. Please review full rate sheet or disclosure at bottom of this page for additional detail and requirements.

APR: Annual Percentage Rate

Used RV's: 2014 and Newer Learn More

Term APR* as low as
60 8.42%
120 8.82%

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* Rates quoted are best rates based on credit quality and are subject to credit qualification. Please review full rate sheet or disclosure at bottom of this page for additional detail and requirements.

APR: Annual Percentage Rate

New Other (Motorcycle, ATV, Jet Ski and Snowmobile): 2022 and Newer Learn More

Term APR* as low as
12 to 36 8.56%
48 to 60 8.46%

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* Rates quoted are best rates based on credit quality and are subject to credit qualification. Please review full rate sheet or full disclosure at bottom of this page for additional detail and requirements.

APR: Annual Percentage Rate

Used Other (Motorcycle, ATV, Jet Ski and Snowmobile): 2014 and Newer Learn More

Term APR* as low as
12 10.02%
24 to 36 9.30%

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* Rates quoted are best rates based on credit quality and are subject to credit qualification. Please review full rate sheet or disclosure at bottom of this page for additional detail and requirements.

APR: Annual Percentage Rate

Full Disclosure: Rates quoted are best rates based on credit quality and are 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. Rates and fee quoted are subject to change and should not be construed as a commitment to grant a loan. (1)Annual Percentage Rate (APR) , based on a loan amount equal to the average of the minimum and maximum loan amount. (2) Additional qualifications apply. Speak with a Bank Representative for details. (3) Advertised payment assumes a monthly payment over the maximum term of the loan. (4) Rates may vary after account is opened.

Personal Loans

Personal Unsecured Loans

Term APR* as low as
24 13.95%

View full rate sheet

* Rates quoted are best rates based on credit quality and are subject to credit qualification. Please review full rate sheet or disclosure at bottom of this page for additional detail and requirements.

APR: Annual Percentage Rate

Small Dollar

Term APR* as low as
12 20.77%
24 15.72%
36 14.84%

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* Rates quoted are best rates based on credit quality and are subject to credit qualification. Please review full rate sheet or disclosure at bottom of this page for additional detail and requirements.

APR: Annual Percentage Rate

Preferred Line of Credit

Loan Range APR* as low as
$5,000-$25,000 12.00%

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* Rates quoted are best rates based on credit quality and are subject to credit qualification. Please review full rate sheet or disclosure at bottom of this page for additional detail and requirements.

APR: Annual Percentage Rate

Overdraft Line of Credit

Loan Range APR* as low as
$500-$2,500 19.67%

View full rate sheet

Full Disclosure: Rates quoted are best rates based on credit quality and are 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. Rates and fee quoted are subject to change and should not be construed as a commitment to grant a loan. (1)Annual Percentage Rate (APR) , based on a loan amount equal to the average of the minimum and maximum loan amount. (2) Additional qualifications apply. Speak with a Bank Representative for details. (3) Advertised payment assumes a monthly payment over the maximum term of the loan. (4) Rates may vary after account is opened.

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