# Sound Community Bank CD rates

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.

Canonical page: https://apyledger.com/cd-rates/sound-community-bank
Institution: Sound Community Bank (FDIC 57451)
Aliases: 
Status: live
Last verified: 2026-10-23T03:20:39.000Z (October 22, 2026)
Official source: https://www.soundcb.com/rates.html
Coverage: 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.
Treasury comparison date: 2026-10-21. Premiums are percentage points versus the same-term APY-equivalent Treasury yield.

| Product | Kind | Term | Minimum deposit | APY | Quoted location | vs. Treasury | Verified (UTC) | Source snapshot |
| --- | --- | --- | --- | --- | --- | --- | --- | --- |
| 3 Month Certificate of Deposit | relationship | 3 months | $1,000 | 2.50% | Not ZIP-priced | −1.79% | 2026-10-23T03:20:39.000Z | [Snapshot 967](https://apyledger.com/snapshots/967) |
| 3 Month Certificate of Deposit | standard | 3 months | $1,000 | 2.00% | Not ZIP-priced | −2.29% | 2026-10-23T03:20:39.000Z | [Snapshot 967](https://apyledger.com/snapshots/967) |
| 4 Month Certificate of Deposit | relationship | 4 months | $1,000 | 3.35% | Not ZIP-priced | −1.04% | 2026-10-23T03:20:39.000Z | [Snapshot 967](https://apyledger.com/snapshots/967) |
| 4 Month Certificate of Deposit | standard | 4 months | $1,000 | 2.85% | Not ZIP-priced | −1.54% | 2026-10-23T03:20:39.000Z | [Snapshot 967](https://apyledger.com/snapshots/967) |
| 6 Month Certificate of Deposit | relationship | 6 months | $1,000 | 2.80% | Not ZIP-priced | −1.60% | 2026-10-23T03:20:39.000Z | [Snapshot 967](https://apyledger.com/snapshots/967) |
| 6 Month Certificate of Deposit | standard | 6 months | $1,000 | 2.30% | Not ZIP-priced | −2.10% | 2026-10-23T03:20:39.000Z | [Snapshot 967](https://apyledger.com/snapshots/967) |
| 7 Month Certificate of Deposit | relationship | 7 months | $1,000 | 3.50% | Not ZIP-priced | −0.93% | 2026-10-23T03:20:39.000Z | [Snapshot 967](https://apyledger.com/snapshots/967) |
| 7 Month Certificate of Deposit | standard | 7 months | $1,000 | 3.00% | Not ZIP-priced | −1.43% | 2026-10-23T03:20:39.000Z | [Snapshot 967](https://apyledger.com/snapshots/967) |
| 12 Month Certificate of Deposit | relationship | 12 months | $1,000 | 2.85% | Not ZIP-priced | −1.72% | 2026-10-23T03:20:39.000Z | [Snapshot 967](https://apyledger.com/snapshots/967) |
| 12 Month Certificate of Deposit | standard | 12 months | $1,000 | 2.35% | Not ZIP-priced | −2.22% | 2026-10-23T03:20:39.000Z | [Snapshot 967](https://apyledger.com/snapshots/967) |
| 13 Month Certificate of Deposit | relationship | 13 months | $1,000 | 3.75% | Not ZIP-priced | −0.85% | 2026-10-23T03:20:39.000Z | [Snapshot 967](https://apyledger.com/snapshots/967) |
| 13 Month Certificate of Deposit | standard | 13 months | $1,000 | 3.25% | Not ZIP-priced | −1.35% | 2026-10-23T03:20:39.000Z | [Snapshot 967](https://apyledger.com/snapshots/967) |
| 18 Month Bump Certificate of Deposit | relationship | 18 months | $1,000 | 3.45% | Not ZIP-priced | −1.27% | 2026-10-23T03:20:39.000Z | [Snapshot 967](https://apyledger.com/snapshots/967) |
| 18 Month Bump Certificate of Deposit | standard | 18 months | $1,000 | 2.95% | Not ZIP-priced | −1.77% | 2026-10-23T03:20:39.000Z | [Snapshot 967](https://apyledger.com/snapshots/967) |
| 23 Month Certificate of Deposit | relationship | 23 months | $1,000 | 3.90% | Not ZIP-priced | −0.94% | 2026-10-23T03:20:39.000Z | [Snapshot 967](https://apyledger.com/snapshots/967) |
| 23 Month Certificate of Deposit | standard | 23 months | $1,000 | 3.40% | Not ZIP-priced | −1.44% | 2026-10-23T03:20:39.000Z | [Snapshot 967](https://apyledger.com/snapshots/967) |
| 24 Month Certificate of Deposit | relationship | 24 months | $1,000 | 2.60% | Not ZIP-priced | −2.27% | 2026-10-23T03:20:39.000Z | [Snapshot 967](https://apyledger.com/snapshots/967) |
| 24 Month Certificate of Deposit | standard | 24 months | $1,000 | 2.10% | Not ZIP-priced | −2.77% | 2026-10-23T03:20:39.000Z | [Snapshot 967](https://apyledger.com/snapshots/967) |
| 36 Month Certificate of Deposit | relationship | 36 months | $1,000 | 2.20% | Not ZIP-priced | −2.75% | 2026-10-23T03:20:39.000Z | [Snapshot 967](https://apyledger.com/snapshots/967) |
| 36 Month Certificate of Deposit | standard | 36 months | $1,000 | 1.70% | Not ZIP-priced | −3.25% | 2026-10-23T03:20:39.000Z | [Snapshot 967](https://apyledger.com/snapshots/967) |
| 48 Month Certificate of Deposit | relationship | 48 months | $1,000 | 2.30% | Not ZIP-priced | −2.68% | 2026-10-23T03:20:39.000Z | [Snapshot 967](https://apyledger.com/snapshots/967) |
| 48 Month Certificate of Deposit | standard | 48 months | $1,000 | 1.80% | Not ZIP-priced | −3.18% | 2026-10-23T03:20:39.000Z | [Snapshot 967](https://apyledger.com/snapshots/967) |
| 60 Month Certificate of Deposit | relationship | 60 months | $1,000 | 2.45% | Not ZIP-priced | −2.56% | 2026-10-23T03:20:39.000Z | [Snapshot 967](https://apyledger.com/snapshots/967) |
| 60 Month Certificate of Deposit | standard | 60 months | $1,000 | 1.95% | Not ZIP-priced | −3.06% | 2026-10-23T03:20:39.000Z | [Snapshot 967](https://apyledger.com/snapshots/967) |

Rates and eligibility can change. ZIP-specific quotes must not be treated as statewide or nationwide offers. Confirm terms with the institution before opening an account. This is not financial advice.