Open a Business Certificate Account

Business Certificates at Sound

High Rates to Help Your Money, and Business Grow

Interest is compounded monthly and accounts can easily be rolled over once they reach maturity.

Lock in a high rate. Guarantee a return.

We offer a variety of business certificates and flexible features to round-out your business investments.

Basic Certificate

Minimum deposit of $500
Terms from 3 to 60 months
Add to your balance unlimited additional deposits

Bump Certificate¹

Get a one-time bump to a higher rate
Add to your balance unlimited additional deposits

Flex Certificate²

Make a one-time withdrawal during your term
Option to make a one-time bump to a higher rate
Add to your balance unlimited additional deposits

Jumbo Certificate

Earn even higher dividend on balances of $100,000 or more
Terms range from 6 to 60 months
Add to your balance unlimited additional deposits

Business Certificate Rates

Business Certificates
Term	Dividend Rate	APY*	Minimum Balance
Rates and fees are subject to change. Early withdrawal penalties apply and may reduce earnings. Please check with your local branch, or call if we can answer any questions. APY = Annual Percentage Yield 10-Month Certificate with Rate-Bump (Offer expired June 30):* Offers valid for existing or new Sound members. Membership with a savings account at Sound Credit Union is required to participate in the offer. Anyone who lives or works in WA can join. Promotional rates and terms advertised are available for a limited time and subject to change without notice. Early withdrawal penalties apply and may reduce earnings. Certificate: Minimum balance is $500. At maturity, certificate will roll into a new 12-month certificate. Rate Bump: One time upon request, we will increase your rate to the current 10-Month rate at the same term. The new dividend will not be applied retroactively. Unlimited Deposits: Make additional deposits at any time during the term of the certificate. Bump Certificate: Minimum balance is $2,500. Rate Bump: One time upon request, we will increase your rate to the current Bump Certificate rate at the same term. The new dividend will not be applied retroactively. Penalty-Free Deposits: Unlimited deposits. Flex Certificate: Minimum balance is $2,500. Add-on option: Unlimited deposits. Bump option: Upon request, rate will be increased to current Flex Certificate rate. Withdrawal option: Withdrawal amount cannot reduce the balance to less than the $2,500 minimum. Note: All savings accounts which have dividends compounded and credited are paid monthly. This Rate and Fee Schedule sets forth current conditions, rates, fees and charges applicable to your accounts at Sound Credit Union at this time. The Credit Union may offer other dividend rates, annual percentage yields and fees or amend the dividend rates, annual percentage yields and fees contained in this schedule from time to time. Fees may reduce earnings. Each account holder agrees to the terms set forth on this Rate and Fee Schedule and acknowledges that it is a part of the Membership and Account Agreement. Federally insured by NCUA.
Term 3 Months	Dividend Rate 2.47%	APY* 2.50%	Minimum Balance $500
Term 6 Months	Dividend Rate 3.44%	APY* 3.50%	Minimum Balance $500
Term 10 Month w/Bump	Dividend Rate offer expired June 2025	APY*	Minimum Balance $500
Term 12 Months	Dividend Rate 3.69%	APY* 3.75%	Minimum Balance $500
Term 18 Months (Flex)	Dividend Rate 2.95%	APY* 2.99%	Minimum Balance $2,500
Term 24 Months	Dividend Rate 2.72%	APY* 2.75%	Minimum Balance $500
Term 30 Months (Flex)	Dividend Rate 2.47%	APY* 2.50%	Minimum Balance $2,500
Term 36 Months	Dividend Rate 2.62%	APY* 2.65%	Minimum Balance $500
Term 36 Months (Bump)	Dividend Rate 2.62%	APY* 2.65%	Minimum Balance $2,500
Term 48 Months	Dividend Rate 2.47%	APY* 2.50%	Minimum Balance $500
Term 60 Months	Dividend Rate 2.47%	APY* 2.50%	Minimum Balance $500
Term 60 Months (Bump)	Dividend Rate 2.47%	APY* 2.50%	Minimum Balance $2,500

Business Jumbo Certificates
Term	Dividend Rate	APY*	Minimum Balance
Rates and fees are subject to change. Early withdrawal penalties apply and may reduce earnings. Please check with your local branch, or call if we can answer any questions. APY = Annual Percentage Yield Unlimited Deposits:* Make additional deposits at any time during the term of the certificate. Note: All savings accounts which have dividends compounded and credited are paid monthly. This Rate and Fee Schedule sets forth current conditions, rates, fees and charges applicable to your accounts at Sound Credit Union at this time. The Credit Union may offer other dividend rates, annual percentage yields and fees or amend the dividend rates, annual percentage yields and fees contained in this schedule from time to time. Fees may reduce earnings. Each account holder agrees to the terms set forth on this Rate and Fee Schedule and acknowledges that it is a part of the Membership and Account Agreement. Federally insured by NCUA.
Term 6 Months	Dividend Rate 3.69%	APY* 3.75%	Minimum Balance $100,000
Term 12 Months	Dividend Rate 3.93%	APY* 4.00%	Minimum Balance $100,000
Term 18 Months	Dividend Rate 3.20%	APY* 3.25%	Minimum Balance $100,000
Term 24 Months	Dividend Rate 2.97%	APY* 3.01%	Minimum Balance $100,000
Term 36 Months	Dividend Rate 2.87%	APY* 2.91%	Minimum Balance $100,000
Term 60 Months	Dividend Rate 2.72%	APY* 2.23%	Minimum Balance $100,000

Explore related business accounts.

Business Money Market

Earn a competitive, tiered dividend rate on your account balances with unmatched liquidity.

Learn more

High Yield Business Savings Account

We understand the importance of maximizing the returns on your business funds while maintaining liquidity and security.

Learn more

Our Business Banking Team is available to assist in customizing your business finances so you’re a step-ahead.

Many business types can apply for their business membership online³.

Open a Business Account

Is your business structure one of the following?

Sole Proprietorship
Single-Member LLC
Multiple-Member LLC with up to 4 individual members
General Partnership

We’re Here.

Our Business Services Officers are available to assist you.

Tips and resources for you and your business finances.

Sound’s blog is curated with relevant business and commercial content including tips, tutorials and everyday advice for like business minds.

Business Growth Guide

If you’re ready to take your business to the next level, this Business Growth Guide will help. Continue reading →

Business Financial Health Check

Use our Financial Health check to find out the key business drivers to better succeed in your business. Continue reading →

A confident woman smiling at the camera with arms crossed.

Business Start-Up Guide

This Business Start-Up Guide is designed to help you turn that desire to start your own business into a reality. Continue reading →

Disclosures

FEDERALLY INSURED BY NCUA

Requires Sound membership.
¹ Minimum balance is $2,500. Rate Bump: One time upon request, we will increase your rate to the current Bump Certificate rate at the same term. The new dividend will not be applied retroactively. Penalty-Free Deposit: One-time additional deposit must be a minimum of $1,000 and cannot make the certificate exceed its maximum balance of $250,000.
² Add-on option: Minimum addition is $1,000; maximum is $75,000. Bump option: Upon request, rate will be increased to current Flex Certificate rate. Withdrawal option: Withdrawal amount cannot reduce the balance to less than the $2,500 minimum.
³Online business account opening is only available to new members whose businesses are either Sole Proprietorships, Single-Member LLCs, Multi-Member LLC (with up to 4 individual members), or General Partnerships. If you’re an existing business member or your business has a different structure, contact our Business Services Team. “Individual members” means people, not corporations, trusts, or other business entities.

Routing Number