Sound Community Bank CD Rates — October 2026
As of October 22, 2026, Sound Community Bank's highest tracked CD rate is 3.90% APY on a 23-month relationship CD ($1,000 minimum). That is 2.5 times the FDIC national average for 24-month CDs (1.55%). Standard CD rates range from 1.70% to 3.40% APY.
Tracking began .
With $10,000 and no relationship requirement: 3.40% on 23 months
Sound Community Bank CD rates
Personal CDs from 3 to 60 months at rates without and with a Sound Community Bank checking account, including an 18-month bump CD. Early withdrawal penalties may apply.
| Term | Product | APY | vs. Treasury | Source | |
|---|---|---|---|---|---|
| 3 months | 3 Month Certificate of Deposit Relationship | $1,000 | 2.50% | −1.79% | Top 60% of tracked 3-month CDs · Verified October 22, 2026 |
| 3 months | 3 Month Certificate of Deposit | $1,000 | 2.00% | −2.29% | Top 66% of tracked 3-month CDs · Verified October 22, 2026 |
| 4 months | 4 Month Certificate of Deposit Relationship | $1,000 | 3.35% | −1.04% | Verified October 22, 2026 |
| 4 months | 4 Month Certificate of Deposit | $1,000 | 2.85% | −1.54% | Verified October 22, 2026 |
| 6 months | 6 Month Certificate of Deposit Relationship | $1,000 | 2.80% | −1.60% | Top 71% of tracked 6-month CDs · Verified October 22, 2026 |
| 6 months | 6 Month Certificate of Deposit | $1,000 | 2.30% | −2.10% | Top 78% of tracked 6-month CDs · Verified October 22, 2026 |
| 7 months | 7 Month Certificate of Deposit Relationship | $1,000 | 3.50% | −0.93% | Verified October 22, 2026 |
| 7 months | 7 Month Certificate of Deposit | $1,000 | 3.00% | −1.43% | Verified October 22, 2026 |
| 12 months | 12 Month Certificate of Deposit Relationship | $1,000 | 2.85% | −1.72% | Top 73% of tracked 12-month CDs · Verified October 22, 2026 |
| 12 months | 12 Month Certificate of Deposit | $1,000 | 2.35% | −2.22% | Top 79% of tracked 12-month CDs · Verified October 22, 2026 |
| 13 months | 13 Month Certificate of Deposit Relationship | $1,000 | 3.75% | −0.85% | Verified October 22, 2026 |
| 13 months | 13 Month Certificate of Deposit | $1,000 | 3.25% | −1.35% | Verified October 22, 2026 |
| 18 months | 18 Month Bump Certificate of Deposit Relationship | $1,000 | 3.45% | −1.27% | Top 53% of tracked 18-month CDs · Verified October 22, 2026 |
| 18 months | 18 Month Bump Certificate of Deposit | $1,000 | 2.95% | −1.77% | Top 68% of tracked 18-month CDs · Verified October 22, 2026 |
| 23 months | 23 Month Certificate of Deposit Relationship | $1,000 | 3.90% | −0.94% | Verified October 22, 2026 |
| 23 months | 23 Month Certificate of Deposit | $1,000 | 3.40% | −1.44% | Verified October 22, 2026 |
| 24 months | 24 Month Certificate of Deposit Relationship | $1,000 | 2.60% | −2.27% | Top 71% of tracked 24-month CDs · Verified October 22, 2026 |
| 24 months | 24 Month Certificate of Deposit | $1,000 | 2.10% | −2.77% | Top 79% of tracked 24-month CDs · Verified October 22, 2026 |
| 36 months | 36 Month Certificate of Deposit Relationship | $1,000 | 2.20% | −2.75% | Top 74% of tracked 36-month CDs · Verified October 22, 2026 |
| 36 months | 36 Month Certificate of Deposit | $1,000 | 1.70% | −3.25% | Top 82% of tracked 36-month CDs · Verified October 22, 2026 |
| 48 months | 48 Month Certificate of Deposit Relationship | $1,000 | 2.30% | −2.68% | Top 71% of tracked 48-month CDs · Verified October 22, 2026 |
| 48 months | 48 Month Certificate of Deposit | $1,000 | 1.80% | −3.18% | Top 80% of tracked 48-month CDs · Verified October 22, 2026 |
| 60 months | 60 Month Certificate of Deposit Relationship | $1,000 | 2.45% | −2.56% | Top 72% of tracked 60-month CDs · Verified October 22, 2026 |
| 60 months | 60 Month Certificate of Deposit | $1,000 | 1.95% | −3.06% | Top 81% of tracked 60-month CDs · Verified October 22, 2026 |
APY = annual percentage yield. "vs. Treasury" compares each APY with the Treasury yield for the same term on 2026-10-21 (converted to APY). Treasury interest is exempt from state income tax; see the T-bill vs. CD calculator.
What are Sound Community Bank's best CD rates by term?
Sound Community Bank's best rate is 3.90% APY on 23 months, verified October 22, 2026.
- 3 mo2.50%
- 4 mo3.35%
- 6 mo2.80%
- 7 mo3.50%
- 12 mo2.85%
- 13 mo3.75%
- 18 mo3.45%
- 23 mo3.90%
- 24 mo2.60%
- 36 mo2.20%
- 48 mo2.30%
- 60 mo2.45%
How much interest could a Sound Community Bank CD earn?
Estimated interest at maturity for the displayed institution quotes, before tax or early withdrawal penalties. Each estimate assumes the quoted APY applies to that balance and interest stays deposited. Estimates use known deposit tiers. Upper balance limits and membership, relationship or new-money requirements must be confirmed with the institution; these are conditional estimates, not personalized offers.
$761.32 interest · $10,761.32 at maturity on $10,000.00.
3.90% APY · 23 months · 23 Month Certificate of Deposit · Relationship · verified October 22, 2026.
Before tax; interest remains deposited. Confirm all product conditions. Estimate one-year purchasing power.
| Term | $5,000 | $10,000 | $25,000 | $50,000 |
|---|---|---|---|---|
| 3 months | $30.882.50% APY · 3 Month Certificate of Deposit · Relationship | $61.752.50% APY · 3 Month Certificate of Deposit · Relationship | $154.382.50% APY · 3 Month Certificate of Deposit · Relationship | $308.762.50% APY · 3 Month Certificate of Deposit · Relationship |
| 4 months | $55.373.35% APY · 4 Month Certificate of Deposit · Relationship | $110.753.35% APY · 4 Month Certificate of Deposit · Relationship | $276.873.35% APY · 4 Month Certificate of Deposit · Relationship | $553.733.35% APY · 4 Month Certificate of Deposit · Relationship |
| 6 months | $69.712.80% APY · 6 Month Certificate of Deposit · Relationship | $139.422.80% APY · 6 Month Certificate of Deposit · Relationship | $348.542.80% APY · 6 Month Certificate of Deposit · Relationship | $697.092.80% APY · 6 Month Certificate of Deposit · Relationship |
| 7 months | $101.393.50% APY · 7 Month Certificate of Deposit · Relationship | $202.783.50% APY · 7 Month Certificate of Deposit · Relationship | $506.963.50% APY · 7 Month Certificate of Deposit · Relationship | $1,013.913.50% APY · 7 Month Certificate of Deposit · Relationship |
| 12 months | $142.502.85% APY · 12 Month Certificate of Deposit · Relationship | $285.002.85% APY · 12 Month Certificate of Deposit · Relationship | $712.502.85% APY · 12 Month Certificate of Deposit · Relationship | $1,425.002.85% APY · 12 Month Certificate of Deposit · Relationship |
| 13 months | $203.223.75% APY · 13 Month Certificate of Deposit · Relationship | $406.443.75% APY · 13 Month Certificate of Deposit · Relationship | $1,016.103.75% APY · 13 Month Certificate of Deposit · Relationship | $2,032.203.75% APY · 13 Month Certificate of Deposit · Relationship |
| 18 months | $261.213.45% APY · 18 Month Bump Certificate of Deposit · Relationship | $522.433.45% APY · 18 Month Bump Certificate of Deposit · Relationship | $1,306.073.45% APY · 18 Month Bump Certificate of Deposit · Relationship | $2,612.133.45% APY · 18 Month Bump Certificate of Deposit · Relationship |
| 23 months | $380.663.90% APY · 23 Month Certificate of Deposit · Relationship | $761.323.90% APY · 23 Month Certificate of Deposit · Relationship | $1,903.293.90% APY · 23 Month Certificate of Deposit · Relationship | $3,806.593.90% APY · 23 Month Certificate of Deposit · Relationship |
| 24 months | $263.382.60% APY · 24 Month Certificate of Deposit · Relationship | $526.762.60% APY · 24 Month Certificate of Deposit · Relationship | $1,316.902.60% APY · 24 Month Certificate of Deposit · Relationship | $2,633.802.60% APY · 24 Month Certificate of Deposit · Relationship |
| 36 months | $337.312.20% APY · 36 Month Certificate of Deposit · Relationship | $674.632.20% APY · 36 Month Certificate of Deposit · Relationship | $1,686.572.20% APY · 36 Month Certificate of Deposit · Relationship | $3,373.132.20% APY · 36 Month Certificate of Deposit · Relationship |
| 48 months | $476.112.30% APY · 48 Month Certificate of Deposit · Relationship | $952.232.30% APY · 48 Month Certificate of Deposit · Relationship | $2,380.572.30% APY · 48 Month Certificate of Deposit · Relationship | $4,761.152.30% APY · 48 Month Certificate of Deposit · Relationship |
| 60 months | $643.262.45% APY · 60 Month Certificate of Deposit · Relationship | $1,286.512.45% APY · 60 Month Certificate of Deposit · Relationship | $3,216.282.45% APY · 60 Month Certificate of Deposit · Relationship | $6,432.572.45% APY · 60 Month Certificate of Deposit · Relationship |
How Sound Community Bank compares
Compare the displayed terms, minimums and quote locations. Membership, relationship and new-money conditions may apply. Institution quotes below use the exact 700-day term. Regional peers quote a shared operating state; nationwide best is limited to our tracked sample.
This quote ranks 8 of 15 tracked institutions with fresh 700-day quotes (ties share a rank). Each other institution contributes its highest APY for that exact term; minimums and eligibility can differ.
| Institution / benchmark | Term | Minimum | Who can open | APY | Verified / source date |
|---|---|---|---|---|---|
| Sound Community Bank (this institution)23 Month Certificate of Deposit · Relationship | 23 months | $1,000 | Branches in WA | 3.90% | October 22, 2026 |
| KeyBankKey Tiered CD with Relationship Reward · Relationship | 23 months | $10,000 | Seattle, WA · ZIP 98101 | 4.00% | October 22, 2026 |
| Bank Five Nine (highest tracked APY for this term)23 Month Special CD (Relationship) · Relationship | 23 months | $2,500 | Branches in WI | 4.65% | October 22, 2026 |
| Treasury (APY-equivalent) | 23 months (term-matched estimate) | Depends on purchase method | Federal; interest exempt from state income tax | 4.84% | 2026-10-21 |
Rate changes
See changes across all tracked institutions
No changes since we started tracking Sound Community Bank on October 22, 2026.
About Sound Community Bank
- Legal name
- Sound Community Bank
- Regulator ID
- FDIC 57451
- Headquarters
- Seattle, WA
- Available in
- WA
- Total assets
- $1.1 billion
- Also known as
- Website
- www.soundcb.com
Source: rates read from https://www.soundcb.com/rates.html. See the page text we read.
Frequently asked questions
What is the highest CD rate at Sound Community Bank?
Among the rates we track, 3.90% APY on a 23-month relationship CD, as of October 22, 2026.
What is the minimum deposit for a Sound Community Bank CD?
The lowest minimum we found is $1,000.
How does Sound Community Bank's best CD rate compare with Treasury yields?
3.90% APY is −0.94% versus the 23-month Treasury yield of 4.84% (APY-equivalent) on 2026-10-21. Treasury interest is also exempt from state income tax.
Is 3.90% a good CD rate?
It is 2.5 times the FDIC national average for a similar term (1.55% as of 2026-10-19), which is a deposit-weighted average across all U.S. banks and credit unions. Online banks and promotional CDs often pay several times the national average.
Are Sound Community Bank CDs insured?
Sound Community Bank is an FDIC-insured bank (FDIC 57451). Deposits are insured up to $250,000 per depositor, per ownership category.
How often is this page updated?
We check Sound Community Bank's rate page every day. The rates above were last verified on October 22, 2026.
More bank CD rates
Rates are copied from Sound Community Bank's website and may change at any time. Confirm terms, minimums and eligibility with Sound Community Bank before opening an account. This page is not financial advice.