# Sound Credit Union CD and share certificate rates

As of October 22, 2026, Sound Credit Union's highest tracked CD (share certificate) rate is 4.05% APY on a 13-month promotional CD ($100,000 minimum). That is 2.3 times the FDIC national average for 12-month CDs (1.76%). Standard CD rates range from 2.50% to 3.75% APY.

Canonical page: https://apyledger.com/cd-rates/sound-credit-union
Institution: Sound Credit Union (NCUA 66331)
Aliases: 
Status: live
Last verified: 2026-10-22T16:25:01.000Z (October 22, 2026)
Official source: https://www.soundcu.com/rates/personal/certificates/
Coverage: Membership required. Standard, Flex, Bump and Jumbo certificates; standard terms require $500, Flex and Bump $2,500 and Jumbo $100,000. Separately listed IRA certificates are excluded. 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 |
| --- | --- | --- | --- | --- | --- | --- | --- | --- |
| Certificate Account | standard | 3 months | $500 | 2.50% | Not ZIP-priced | −1.79% | 2026-10-22T16:25:01.000Z | [Snapshot 399](https://apyledger.com/snapshots/399) |
| Jumbo Certificate | standard | 6 months | $100,000 | 3.65% | Not ZIP-priced | −0.75% | 2026-10-22T16:25:01.000Z | [Snapshot 399](https://apyledger.com/snapshots/399) |
| Certificate Account | standard | 6 months | $500 | 3.40% | Not ZIP-priced | −1.00% | 2026-10-22T16:25:01.000Z | [Snapshot 399](https://apyledger.com/snapshots/399) |
| Certificate Account | promotional | 11 months | $500 | 3.95% | Not ZIP-priced | −0.59% | 2026-10-22T16:25:01.000Z | [Snapshot 399](https://apyledger.com/snapshots/399) |
| Jumbo Certificate | standard | 12 months | $100,000 | 3.75% | Not ZIP-priced | −0.82% | 2026-10-22T16:25:01.000Z | [Snapshot 399](https://apyledger.com/snapshots/399) |
| Certificate Account | standard | 12 months | $500 | 3.50% | Not ZIP-priced | −1.07% | 2026-10-22T16:25:01.000Z | [Snapshot 399](https://apyledger.com/snapshots/399) |
| Jumbo Certificate | promotional | 13 months | $100,000 | 4.05% | Not ZIP-priced | −0.55% | 2026-10-22T16:25:01.000Z | [Snapshot 399](https://apyledger.com/snapshots/399) |
| Jumbo Certificate | standard | 18 months | $100,000 | 3.25% | Not ZIP-priced | −1.47% | 2026-10-22T16:25:01.000Z | [Snapshot 399](https://apyledger.com/snapshots/399) |
| Certificate Account (Flex) | standard | 18 months | $2,500 | 2.99% | Not ZIP-priced | −1.73% | 2026-10-22T16:25:01.000Z | [Snapshot 399](https://apyledger.com/snapshots/399) |
| Jumbo Certificate | standard | 24 months | $100,000 | 3.01% | Not ZIP-priced | −1.86% | 2026-10-22T16:25:01.000Z | [Snapshot 399](https://apyledger.com/snapshots/399) |
| Certificate Account | standard | 24 months | $500 | 2.75% | Not ZIP-priced | −2.12% | 2026-10-22T16:25:01.000Z | [Snapshot 399](https://apyledger.com/snapshots/399) |
| Certificate Account (Flex) | standard | 30 months | $2,500 | 2.50% | Not ZIP-priced | −2.41% | 2026-10-22T16:25:01.000Z | [Snapshot 399](https://apyledger.com/snapshots/399) |
| Jumbo Certificate | standard | 36 months | $100,000 | 2.91% | Not ZIP-priced | −2.04% | 2026-10-22T16:25:01.000Z | [Snapshot 399](https://apyledger.com/snapshots/399) |
| Certificate Account | standard | 36 months | $500 | 2.65% | Not ZIP-priced | −2.30% | 2026-10-22T16:25:01.000Z | [Snapshot 399](https://apyledger.com/snapshots/399) |
| Certificate Account (Bump) | standard | 36 months | $2,500 | 2.65% | Not ZIP-priced | −2.30% | 2026-10-22T16:25:01.000Z | [Snapshot 399](https://apyledger.com/snapshots/399) |
| Certificate Account | standard | 48 months | $500 | 2.50% | Not ZIP-priced | −2.48% | 2026-10-22T16:25:01.000Z | [Snapshot 399](https://apyledger.com/snapshots/399) |
| Jumbo Certificate | standard | 60 months | $100,000 | 2.75% | Not ZIP-priced | −2.26% | 2026-10-22T16:25:01.000Z | [Snapshot 399](https://apyledger.com/snapshots/399) |
| Certificate Account | standard | 60 months | $500 | 2.50% | Not ZIP-priced | −2.51% | 2026-10-22T16:25:01.000Z | [Snapshot 399](https://apyledger.com/snapshots/399) |
| Certificate Account (Bump) | standard | 60 months | $2,500 | 2.50% | Not ZIP-priced | −2.51% | 2026-10-22T16:25:01.000Z | [Snapshot 399](https://apyledger.com/snapshots/399) |

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.