Rates effective as of April 14, 2025
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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 | 0.25% | 0.25% | ||
| $20,000 - $49,999 | 1.15% | 1.16% | ||
| $50,000 and above | 1.40% | 1.41% | ||
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 | ||||
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 | ||||
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 | 2.25% | 2.27% | 2.75% | 2.78% |
| 5 Month Certificate of Deposit | 3.23% | 3.28% | 3.73% | 3.79% |
| 6 Month Certificate of Deposit | 2.65% | 2.68% | 3.15% | 3.20% |
| 11 Month Certificate of Deposit | 2.94% | 2.98% | 3.44% | 3.49% |
| 12 Month Certificate of Deposit | 2.50% | 2.53% | 3.00% | 3.04% |
| 15 Month Certificate of Deposit | 3.13% | 3.18% | 3.63% | 3.69% |
| 18 Month Certificate of Deposit | 2.60% | 2.63% | 3.10% | 3.14% |
| 23 Month Certificate of Deposit | 2.65% | 2.68% | 3.15% | 3.20% |
| 24 Month Certificate of Deposit | 2.25% | 2.27% | 2.75% | 2.78% |
| 36 Month Certificate of Deposit | 1.65% | 1.66% | 2.15% | 2.17% |
| 48 Month Certificate of Deposit | 1.75% | 1.76% | 2.25% | 2.27% |
| 60 Month Certificate of Deposit | 1.90% | 1.92% | 2.40% | 2.43% |
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 | 2.50% | 2.53% | 3.00% | 3.04% |
| 5 Month Certificate of Deposit | 3.48% | 3.54% | 3.98% | 4.05% |
| 6 Month Certificate of Deposit | 2.90% | 2.94% | 3.40% | 3.45% |
| 11 Month Certificate of Deposit | 3.19% | 3.24% | 3.69% | 3.75% |
| 12 Month Certificate of Deposit | 2.75% | 2.78% | 3.25% | 3.30% |
| 15 Month Certificate of Deposit | 3.38% | 3.43% | 3.88% | 3.95% |
| 18 Month Certificate of Deposit | 2.85% | 2.89% | 3.35% | 3.40% |
| 23 Month Certificate of Deposit | 2.90% | 2.94% | 3.40% | 3.45% |
| 24 Month Certificate of Deposit | 2.50% | 2.53% | 3.00% | 3.04% |
| 36 Month Certificate of Deposit | 1.90% | 1.92% | 2.40% | 2.43% |
| 48 Month Certificate of Deposit | 2.00% | 2.02% | 2.50% | 2.53% |
| 60 Month Certificate of Deposit | 2.15% | 2.17% | 2.65% | 2.68% |
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 | 0.10% | 0.10% | ||
| $25,000 - $49,999 | 1.15% | 1.16% | ||
| $50,000 - $99,999 | 1.65% | 1.66% | ||
| $100,000 - $249,999 | 3.15% | 3.20% | ||
| $250,000 - $499,999 | 3.45% | 3.51% | ||
| $500,000 - $999,999 | 3.55% | 3.61% | ||
| $1,000,000 and above | 3.70% | 3.76% | ||
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 | 1.00% | 1.00% | ||
| $50,000 - $99,999 | 1.50% | 1.51% | ||
| $100,000 - $249,999 | 2.90% | 2.94% | ||
| $250,000 and above | 3.35% | 3.40% | ||
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 10.01.25. 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% | ||
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.
Business Premier Money Market
| Balance | Interest Rate | APY* | ||
|---|---|---|---|---|
| $0 - $49,999 | 0.50% | 0.50% | ||
| $50,000 - $99,999 | 1.25% | 1.26% | ||
| $100,000 - $249,999 | 1.50% | 1.51% | ||
| $250,000 - $499,999 | 3.50% | 3.56% | ||
| $500,000 - $749,999 | 3.75% | 3.82% | ||
| $750,000 - $999,999 | 4.00% | 4.07% | ||
| $1,000,000 and above | 4.25% | 4.33% | ||
Additional Information:
Additional Information: Minimum Balance to Open the Account: You must deposit $100.00 to open an account. A minimum balance fee of $20 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.
*APY: Annual Percentage Yield.
Apex Money Market | Business Learn More
| Balance | Interest Rate | APY* | ||
|---|---|---|---|---|
| $0 - $24,999 | 0.10% | 0.10% | ||
| $25,000 - $49,999 | 1.15% | 1.16% | ||
| $50,000 - $99,999 | 1.65% | 1.66% | ||
| $100,000 - $249,999 | 3.15% | 3.20% | ||
| $250,000 - $499,999 | 3.45% | 3.51% | ||
| $500,000 - $999,999 | 3.55% | 3.61% | ||
| $1,000,000 and above | 3.70% | 3.76% | ||
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 | 1.00% | 1.00% | ||
| $50,000 - $99,999 | 1.50% | 1.51% | ||
| $100,000 - $249,999 | 2.90% | 2.94% | ||
| $250,000 and above | 3.35% | 3.40% | ||
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 10.01.25. 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 | 2.25% | 2.27% | 2.75% | 2.78% |
| 5 Month Certificate of Deposit | 3.23% | 3.28% | 3.73% | 3.79% |
| 6 Month Certificate of Deposit | 2.65% | 2.68% | 3.15% | 3.20% |
| 11 Month Certificate of Deposit | 2.94% | 2.98% | 3.44% | 3.49% |
| 12 Month Certificate of Deposit | 2.50% | 2.53% | 3.00% | 3.04% |
| 15 Month Certificate of Deposit | 3.13% | 3.18% | 3.63% | 3.69% |
| 18 Month Certificate of Deposit | 2.60% | 2.63% | 3.10% | 3.14% |
| 23 Month Certificate of Deposit | 2.65% | 2.68% | 3.15% | 3.20% |
| 24 Month Certificate of Deposit | 2.25% | 2.27% | 2.75% | 2.78% |
| 36 Month Certificate of Deposit | 1.65% | 1.66% | 2.15% | 2.17% |
| 48 Month Certificate of Deposit | 1.75% | 1.76% | 2.25% | 2.27% |
| 60 Month Certificate of Deposit | 1.90% | 1.92% | 2.40% | 2.43% |
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 | 2.50% | 2.53% | 3.00% | 3.04% |
| 5 Month Certificate of Deposit | 3.48% | 3.54% | 3.98% | 4.05% |
| 6 Month Certificate of Deposit | 2.90% | 2.94% | 3.40% | 3.45% |
| 11 Month Certificate of Deposit | 3.19% | 3.24% | 3.69% | 3.75% |
| 12 Month Certificate of Deposit | 2.75% | 2.78% | 3.25% | 3.30% |
| 15 Month Certificate of Deposit | 3.38% | 3.43% | 3.88% | 3.95% |
| 18 Month Certificate of Deposit | 2.85% | 2.89% | 3.35% | 3.40% |
| 23 Month Certificate of Deposit | 2.90% | 2.94% | 3.40% | 3.45% |
| 24 Month Certificate of Deposit | 2.50% | 2.53% | 3.00% | 3.04% |
| 36 Month Certificate of Deposit | 1.90% | 1.92% | 2.40% | 2.43% |
| 48 Month Certificate of Deposit | 2.00% | 2.02% | 2.50% | 2.53% |
| 60 Month Certificate of Deposit | 2.15% | 2.17% | 2.65% | 2.68% |
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 2023 and Newer Learn More
| Term | APR* as low as |
|---|---|
| 36 | 5.04% |
| 48 | 5.30% |
| 60 | 5.62% |
| 72 | 6.04% |
| 84 | 6.18% |
* 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: 2023 and Newer Learn More
| Term | APR* as low as |
|---|---|
| 36 | 5.54% |
| 48 | 5.80% |
| 60 | 6.12% |
| 72 | 6.54% |
| 84 | 6.68% |
* 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: 2010 and Newer Learn More
| Term | APR* as low as |
|---|---|
| 36 | 6.25% |
| 48 | 6.49% |
| 60 | 6.71% |
| 72 | 7.16% |
| 84 | 7.30% |
* 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: 2023 and Newer Learn More
| Term | APR* as low as |
|---|---|
| 60 | 7.41% |
| 120 | 7.82% |
* 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: 2015 and Newer Learn More
| Term | APR* as low as |
|---|---|
| 60 | 8.42% |
| 120 | 8.82% |
* 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: 2023 and Newer Learn More
| Term | APR* as low as |
|---|---|
| 60 | 7.41% |
| 120 | 7.82% |
* 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: 2015 and Newer Learn More
| Term | APR* as low as |
|---|---|
| 60 | 8.42% |
| 120 | 8.82% |
* 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): 2023 and Newer Learn More
| Term | APR* as low as |
|---|---|
| 12 to 36 | 8.56% |
| 48 to 60 | 8.46% |
* 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): 2015 and Newer Learn More
| Term | APR* as low as |
|---|---|
| 12 | 10.02% |
| 24 to 36 | 9.30% |
* 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% |
* 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% |
* 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% |
* 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% |
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.
For more information on fees see our Consumer Schedule of Fees and our Business Schedule of Fees.
Updated September 2024