{"id":13455,"date":"2024-12-12T11:38:17","date_gmt":"2024-12-12T19:38:17","guid":{"rendered":"https:\/\/www.soundcu.com\/?page_id=13455"},"modified":"2025-11-20T09:30:32","modified_gmt":"2025-11-20T17:30:32","slug":"heloc","status":"publish","type":"page","link":"https:\/\/www.soundcu.com\/heloc\/","title":{"rendered":"HELOC"},"content":{"rendered":"
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Finance a Fresh Start with a Sound HELOC<\/h1>\t\t\t\t\t

Home Equity Line of Credit (HELOC)<\/p>\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t

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Flexibility, Easy Access to Funds, and Potential Tax Benefits<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t

Similar to a credit card, a HELOC is a revolving line of credit, meaning you can borrow, repay, and borrow again up to the approved credit limit during the draw period.<\/p>\n<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t

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\n\t\t\t\t\t\tApply for a HELOC<\/a>\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t
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You\u2019re right where you\u2019re meant to be. Make it perfect with a home equity line of credit.<\/h2>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\t<\/div>\n\n\t<\/div>\n<\/div>\n\n\n
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\n\t\t\t\tPage Menu<\/button>\n\t\t\t<\/div>\n\t\t\t\n\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\tRates\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\tBenefits\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\tFAQs\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\tApply\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/nav>\n\t<\/div>\n\n\t<\/div>\n<\/div>\n\n\n
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Use your equity to fix up your fixer upper, cover major expenses, or consolidate debt.<\/h2>

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\n\t\t\t\t\t\t\t\n\t\tDollar Sign<\/title>\n\t\tclass=”wrapper”>\n <g transform=\"translate(-914.164 -626.336)\">\n\t\t\t<path d=\"M3716.695,2178.253l-5.983,5.983h.72a5.464,5.464,0,0,1,5.509,5.09,5.366,5.366,0,0,1-5.354,5.63h-3.574a5.366,5.366,0,0,1-5.359-5.36h-7.146c0,.292.013.581.033.868a12.519,12.519,0,0,0,10.687,11.509v.13a3.573,3.573,0,1,0,7.146,0v-.13a12.457,12.457,0,0,0,3.321-23.72\" transform=\"translate(-2760.671 -1518.222)\" fill=\"#efc025\"\/>\n\t\t\t<path d=\"M3702.923,2093.54l5.991-5.991h-.745a5.462,5.462,0,0,1-5.509-5.09,5.365,5.365,0,0,1,5.353-5.63h3.573a5.365,5.365,0,0,1,5.36,5.36h7.146c0-.284-.013-.565-.032-.844a12.516,12.516,0,0,0-10.688-11.533v-.13a3.573,3.573,0,0,0-7.146,0v.13a12.457,12.457,0,0,0-3.3,23.727\" transform=\"translate(-2760.67 -1428.682)\" fill=\"#efc025\"\/>\n\t\t\t<path d=\"M3720.04,2134.98l-7.558,7.559-5.991,5.991-6.515,6.516h6.246a5.324,5.324,0,0,0,.481,2.216l7.576-7.576,5.983-5.983,6.523-6.523h-6.271a5.324,5.324,0,0,0-.474-2.2\" transform=\"translate(-2764.238 -1483.671)\" fill=\"#1f79af\"\/>\n\t\t\t<path d=\"M3661.2,2030.745a4.183,4.183,0,0,0-7.446,3.812,27.742,27.742,0,0,1-42.579,33.839l4.876-4.877a12.427,12.427,0,0,1-2.4-6.539l-6.817,6.817a27.744,27.744,0,0,1,38.833-38.833l-5.891,5.89a12.439,12.439,0,0,1,2.4,6.548l5.967-5.967,2.127-2.127,1.36-1.36c3.19-4.81,1.035-7.931-.557-9.379a36.053,36.053,0,1,0,10.134,12.177\" transform=\"translate(-2678.772 -1384.739)\" fill=\"#1f79af\"\/>\n <\/g>\n\t<\/symbol>\t<\/svg>\n<h3 class=\"co-columns--box_headline\" >No upfront fees<\/h3><div class=\"co-columns--box_desc\"><p>No application fees, processing fees, or closing costs.<\/p>\n<\/div><div class=\"co-columns--box_button\"><\/div>\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t<div class=\"co-columns--box\">\n\t\t\t\t\t\t\t<svg\n\t\tclass=\"co-columns--box_icon IconArrowsUpDown\"\n\t\tviewBox=\"0 0 74.214 71.041\"\n\t\twidth=\"74.214\"\n\t\theight=\"71.041\"\n\t>\n\t\t<title>Arrows Up & Down<\/title>\n\t\tclass=”wrapper”>\n <g transform=\"translate(-190 -816.756)\">\n\t\t\t<path d=\"M115.662,3035.821a19.089,19.089,0,1,0,19.089,19.089,19.111,19.111,0,0,0-19.089-19.089m0,35.076a15.987,15.987,0,1,1,15.987-15.987,16.005,16.005,0,0,1-15.987,15.987\" transform=\"translate(112.892 -2202.945)\" fill=\"#efc025\"\/>\n\t\t\t<path d=\"M166.012,3075.169h1.469a2.329,2.329,0,0,1,2.327,2.327h3.1a5.437,5.437,0,0,0-4.653-5.373v-2.4a.758.758,0,0,0-.758-.758h-1.586a.758.758,0,0,0-.758.758v2.4a5.436,5.436,0,0,0-4.65,5.58,5.512,5.512,0,0,0,5.551,5.221H167.4a2.382,2.382,0,0,1,2.4,2.167,2.329,2.329,0,0,1-2.321,2.486H165.93a2.329,2.329,0,0,1-2.327-2.327h-3.1a5.436,5.436,0,0,0,4.654,5.373v2.285a.874.874,0,0,0,.874.874h1.355a.874.874,0,0,0,.874-.874v-2.285a5.436,5.436,0,0,0,4.649-5.58,5.512,5.512,0,0,0-5.551-5.221H165.93a2.329,2.329,0,0,1-2.321-2.486,2.382,2.382,0,0,1,2.4-2.167\" transform=\"translate(61.849 -2229.409)\" fill=\"#efc025\"\/>\n\t\t\t<path d=\"M146.579,3015.109v-24.868h5.315l-9.285-13.923-10.492,13.923h5.154v24.868a18.8,18.8,0,0,1-34.206,10.792l-5.777,7.666a28.088,28.088,0,0,0,49.29-18.458\" transform=\"translate(112.32 -2155.436)\" fill=\"#00205b\"\/>\n\t\t\t<path d=\"M9.285,3022.758l10.492-13.924H14.622v-24.867a18.8,18.8,0,0,1,34.206-10.792l5.777-7.666a28.088,28.088,0,0,0-49.29,18.458v24.867H0Z\" transform=\"translate(190 -2139.087)\" fill=\"#1f79af\"\/>\n <\/g>\n\t<\/symbol>\t<\/svg>\n<h3 class=\"co-columns--box_headline\" >Flexibility <\/h3><div class=\"co-columns--box_desc\"><p>Borrow what you need as you need it.<\/p>\n<\/div><div class=\"co-columns--box_button\"><\/div>\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t<div class=\"co-columns--box\">\n\t\t\t\t\t\t\t<svg\n\t\tclass=\"co-columns--box_icon IconATM\"\n\t\tviewBox=\"0 0 66.742 69.624\"\n\t\twidth=\"66.742\"\n\t\theight=\"69.624\"\n\t>\n\t\t<title>ATM<\/title>\n\t\tclass=”wrapper”>\n <g transform=\"translate(-963.171 -221.557)\">\n\t\t\t<path d=\"M3836.088,23.077V2.764h66.742V23.077a2.9,2.9,0,1,1-5.8,0V8.568h-55.135V23.077a2.9,2.9,0,1,1-5.8,0\" transform=\"translate(-2872.917 218.792)\" fill=\"#efc025\"\/>\n\t\t\t<rect width=\"5.804\" height=\"20.313\" transform=\"translate(983.484 230.262)\" fill=\"#00205b\"\/>\n\t\t\t<rect width=\"5.804\" height=\"14.509\" transform=\"translate(983.484 253.477)\" fill=\"#00205b\"\/>\n\t\t\t<path d=\"M4066.448,106.874h5.8a2.9,2.9,0,0,0,2.9-2.9V45.956h-8.705Z\" transform=\"translate(-3056.847 184.306)\" fill=\"#1f79af\"\/>\n\t\t\t<path d=\"M3916.892,45.956h-23.215v58.016a2.9,2.9,0,0,0,2.9,2.9h20.313Zm-14.509,0h5.8V66.269h-5.8Zm0,23.215h5.8V83.68h-5.8Z\" transform=\"translate(-2918.899 184.306)\" fill=\"#1f79af\"\/>\n\t\t\t<path d=\"M4008.858,45.957v60.918h11.607V45.957Z\" transform=\"translate(-3010.865 184.305)\" fill=\"#00205b\"\/>\n <\/g>\n\t<\/symbol>\t<\/svg>\n<h3 class=\"co-columns--box_headline\" >Easy Access to Funds<\/h3><div class=\"co-columns--box_desc\"><p>Access your line of credit with your Equity credit card or an online balance transfer.<\/p>\n<\/div><div class=\"co-columns--box_button\"><\/div>\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\n\t<\/div>\n<\/div>\n\n\n<div class=\"co-flex_row co-flex_row__white co-flex_row__next_row_diff co-flex_row__long-form-text co-flex_row__next_row__faqs\" id=\"rates\">\n\t<div class=\"co-flex_row--row co-row\">\n\t\t\t<div class=\"co-long_form\">\n\t\t\t\t<header class=\"co-intro_text\">\n\t\t\t<h2 class=\"co-intro_text--title\">Get Today’s Best HELOC Rate<\/h2>\t\t<\/header>\n\t\t\t\t<div class=\"co-long_form--block co-long_form--block__nomedia prow items-start \">\n\t\t\t\t<div class=\"co-long_form--text pcol-md:8\">\n\t\t\t\t\t<div class=\"co-long_form--content\"><div class=\"co-rates_table_wrap co-rates_table_wrap__rates_list\">\n\t<table class=\"co-rates_table\">\n\t\t<caption class=\"co-rates_table_wrap--title\" id=\"homeequitylinesofcredit\">\n\t\t\tHome Equity Lines of Credit\t\t<\/caption>\n\t\t\t\t\t<thead>\n\t\t\t\t<tr>\n\t\t\t\t\t\t\t\t\t\t\t<th\n\t\t\t\t\t\t\tclass=\"co-rates_table--heading\"\n\t\t\t\t\t\t\tscope=\"col\"\n\t\t\t\t\t\t>\n\t\t\t\t\t\t\t<p>LTV <\/p>\t\t\t\t\t\t<\/th>\n\t\t\t\t\t\t\t\t\t\t\t<th\n\t\t\t\t\t\t\tclass=\"co-rates_table--heading\"\n\t\t\t\t\t\t\tscope=\"col\"\n\t\t\t\t\t\t>\n\t\t\t\t\t\t\t<p>APR Range*<\/p>\t\t\t\t\t\t<\/th>\n\t\t\t\t\t\t\t\t\t<\/tr>\n\t\t\t<\/thead>\n\t\t\t\t\t<tfoot>\n\t\t\t\t<tr>\n\t\t\t\t\t<td class=\"co-rates_table--foot_cell\" colspan=\"2\">\n\t\t\t\t\t\t<div class=\"small-text\">\n<p style=\"text-align: left;\"><strong><sup>6<\/sup>Home Equity Loans and Home Equity Lines of Credit:<\/strong><br \/>\nFinancing available on homes in WA, OR or ID. A $525 early closure fee is applied if the loan is closed within the first 24 months. Minimum monthly payment is calculated at 0.75% of the total balance owed. Maximum loan amount is determined by the amount of equity in your home. Home equity line of credit has a variable rate based on Prime, as published in the Wall Street Journal, and subject to change during the term of the loan. The minimum APR is 3.99% and the maximum APR is 18%. Most home equity loans qualify for deductible interest. Consult your tax advisor for details. Homeowners insurance is required.<\/p>\n<p style=\"text-align: left;\">For 81% to 90% of appraised value, borrow up to $50,000 maximum for Home Equity loans and Home Equity Lines of Credit. Non-owner occupied Fixed Home Equity Loans: maximum LTV 70% with a maximum loan amount of $150,000. Non-owner occupied HELOC rates: Prime +2% to Prime +4% APR; maximum LTV 70% with a maximum loan amount of $150,000.<\/p>\n<p style=\"text-align: left;\">Rates and fees are subject to change. Please check with\u00a0<a href=\"https:\/\/www.soundcu.com\/branches\/\">your local branch<\/a>, or call if we can answer any questions.<\/p>\n<\/div>\n\t\t\t\t\t<\/td>\n\t\t\t\t<\/tr>\n\t\t\t<\/tfoot>\n\t\t\t\t\t<tbody>\n\t\t\t\t\t\t\t\t\t<tr class=\"co-rates_table--row\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<td class=\"co-rates_table--cell\">\n\t\t\t\t\t\t\t\t<div class=\"co-rates_table--cell_mobile_title\">\n\t\t\t\t\t\t\t\t\t<p>LTV <\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<p>Up to 70% LTV<\/p>\t\t\t\t\t\t\t<\/td>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<td class=\"co-rates_table--cell\">\n\t\t\t\t\t\t\t\t<div class=\"co-rates_table--cell_mobile_title\">\n\t\t\t\t\t\t\t\t\t<p>APR Range*<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<p>6.75% – 9.75%<\/p>\t\t\t\t\t\t\t<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<\/tr>\n\t\t\t\t\t\t\t\t\t<tr class=\"co-rates_table--row\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<td class=\"co-rates_table--cell\">\n\t\t\t\t\t\t\t\t<div class=\"co-rates_table--cell_mobile_title\">\n\t\t\t\t\t\t\t\t\t<p>LTV <\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<p>70% – 80% LTV<\/p>\t\t\t\t\t\t\t<\/td>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<td class=\"co-rates_table--cell\">\n\t\t\t\t\t\t\t\t<div class=\"co-rates_table--cell_mobile_title\">\n\t\t\t\t\t\t\t\t\t<p>APR Range*<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<p>7.75% – 9.75%<\/p>\t\t\t\t\t\t\t<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<\/tr>\n\t\t\t\t\t\t\t\t\t<tr class=\"co-rates_table--row\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<td class=\"co-rates_table--cell\">\n\t\t\t\t\t\t\t\t<div class=\"co-rates_table--cell_mobile_title\">\n\t\t\t\t\t\t\t\t\t<p>LTV <\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<p>80% – 90% LTV<\/p>\t\t\t\t\t\t\t<\/td>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<td class=\"co-rates_table--cell\">\n\t\t\t\t\t\t\t\t<div class=\"co-rates_table--cell_mobile_title\">\n\t\t\t\t\t\t\t\t\t<p>APR Range*<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<p>9.75% – 9.75%<\/p>\t\t\t\t\t\t\t<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<\/tr>\n\t\t\t\t\t\t\t<\/tbody>\n\t\t\t<\/table>\n<\/div>\n<\/div>\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\n\t<\/div>\n<\/div>\n\n\n<div class=\"co-flex_row co-flex_row__blue co-flex_row__faqs co-flex_row__next_row__single-path-cta\" id=\"faq\">\n\t<div class=\"co-flex_row--row co-row\">\n\t\t\t<section class=\"co-accords_section\" aria-label=\"Common Questions About HELOCs\">\n\t\t\t\t<header class=\"co-intro_text\">\n\t\t\t<h2 class=\"co-intro_text--title\">Common Questions About HELOCs<\/h2>\t\t<\/header>\n\t\t\t<div class=\"co-accordion\" data-animation=\"on\" data-multi-items=\"on\">\n\t\t\t\t\t\t\t<div class=\"co-accordion--item\">\n\t\t\t\t\t<button\n\t\t\t\t\t\t\t\t\t\t\t\t\tdata-accordid=\"4077\"\n\t\t\t\t\t\t\t\t\t\t\t\tclass=\"\n\t\t\t\t\t\t\tco-accordion--header\n\t\t\t\t\t\t\tjs-accord_toggle\n\t\t\t\t\t\t\tclosed\n\t\t\t\t\t\t\"\n\t\t\t\t\t>\n\t\t\t\t\t\t<span class=\"text-md\">What are home equity loans?<\/span>\n\t\t\t\t\t\t<svg class=\"co-accordion--icon no-js:is-hidden\" viewBox=\"0 0 20 20\"><g class=\"icon__group\" fill=\"none\" stroke=\"currentColor\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><line x1=\"3\" y1=\"3\" x2=\"17\" y2=\"17\"><\/line><line x1=\"17\" y1=\"3\" x2=\"3\" y2=\"17\"><\/line><\/g><\/svg>\n\t\t\t\t\t<\/button>\n\t\t\t\t\t<div class=\"\n\t\t\t\t\t\tco-accordion--panel\n\t\t\t\t\t\tjs-accord_content\n\t\t\t\t\t\">\n\t\t\t\t\t\t<p>A home equity loan is a consumer loan secured by a second mortgage, allowing homeowners to borrow against the equity in their home. They are recommended to be used for long-term, ongoing expenses like home renovations, medical bills, or college tuition.<\/p>\n<p>Sound Credit Union offers <a href=\"https:\/\/www.soundcu.com\/personal\/home-loans\/equity\/\">home equity loans<\/a>.<\/p>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"co-accordion--item\">\n\t\t\t\t\t<button\n\t\t\t\t\t\t\t\t\t\t\t\t\tdata-accordid=\"4079\"\n\t\t\t\t\t\t\t\t\t\t\t\tclass=\"\n\t\t\t\t\t\t\tco-accordion--header\n\t\t\t\t\t\t\tjs-accord_toggle\n\t\t\t\t\t\t\tclosed\n\t\t\t\t\t\t\"\n\t\t\t\t\t>\n\t\t\t\t\t\t<span class=\"text-md\">How do home equity loans work?<\/span>\n\t\t\t\t\t\t<svg class=\"co-accordion--icon no-js:is-hidden\" viewBox=\"0 0 20 20\"><g class=\"icon__group\" fill=\"none\" stroke=\"currentColor\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><line x1=\"3\" y1=\"3\" x2=\"17\" y2=\"17\"><\/line><line x1=\"17\" y1=\"3\" x2=\"3\" y2=\"17\"><\/line><\/g><\/svg>\n\t\t\t\t\t<\/button>\n\t\t\t\t\t<div class=\"\n\t\t\t\t\t\tco-accordion--panel\n\t\t\t\t\t\tjs-accord_content\n\t\t\t\t\t\">\n\t\t\t\t\t\t<p>Home equity loans use the equity in your home \u2013 the difference between your home\u2019s value and your mortgage balance \u2013 as collateral for the loan.<\/p>\n<p>Sound Credit Union offers <a href=\"https:\/\/www.soundcu.com\/personal\/home-loans\/equity\/\">home equity loans<\/a>.<\/p>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"co-accordion--item\">\n\t\t\t\t\t<button\n\t\t\t\t\t\t\t\t\t\t\t\t\tdata-accordid=\"4080\"\n\t\t\t\t\t\t\t\t\t\t\t\tclass=\"\n\t\t\t\t\t\t\tco-accordion--header\n\t\t\t\t\t\t\tjs-accord_toggle\n\t\t\t\t\t\t\tclosed\n\t\t\t\t\t\t\"\n\t\t\t\t\t>\n\t\t\t\t\t\t<span class=\"text-md\">What purchases qualify for a “green” home equity loan?<\/span>\n\t\t\t\t\t\t<svg class=\"co-accordion--icon no-js:is-hidden\" viewBox=\"0 0 20 20\"><g class=\"icon__group\" fill=\"none\" stroke=\"currentColor\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><line x1=\"3\" y1=\"3\" x2=\"17\" y2=\"17\"><\/line><line x1=\"17\" y1=\"3\" x2=\"3\" y2=\"17\"><\/line><\/g><\/svg>\n\t\t\t\t\t<\/button>\n\t\t\t\t\t<div class=\"\n\t\t\t\t\t\tco-accordion--panel\n\t\t\t\t\t\tjs-accord_content\n\t\t\t\t\t\">\n\t\t\t\t\t\t<ul>\n<li>Heating and cooling systems<\/li>\n<li>Windows<\/li>\n<li>Water heating systems<\/li>\n<li>Appliances<\/li>\n<li>Insulation, air and duct sealing<\/li>\n<li>Solar and wind energy<\/li>\n<li>Skylights and suntubes<\/li>\n<li>Xeriscaping \u2013 landscapes that need little watering<\/li>\n<li>Gas conversions<\/li>\n<\/ul>\n<p>Other environmentally-friendly projects will be considered on case by case basis.<\/p>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"co-accordion--item\">\n\t\t\t\t\t<button\n\t\t\t\t\t\t\t\t\t\t\t\t\tdata-accordid=\"4034\"\n\t\t\t\t\t\t\t\t\t\t\t\tclass=\"\n\t\t\t\t\t\t\tco-accordion--header\n\t\t\t\t\t\t\tjs-accord_toggle\n\t\t\t\t\t\t\tclosed\n\t\t\t\t\t\t\"\n\t\t\t\t\t>\n\t\t\t\t\t\t<span class=\"text-md\">What are the payment options for Sound loans?<\/span>\n\t\t\t\t\t\t<svg class=\"co-accordion--icon no-js:is-hidden\" viewBox=\"0 0 20 20\"><g class=\"icon__group\" fill=\"none\" stroke=\"currentColor\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><line x1=\"3\" y1=\"3\" x2=\"17\" y2=\"17\"><\/line><line x1=\"17\" y1=\"3\" x2=\"3\" y2=\"17\"><\/line><\/g><\/svg>\n\t\t\t\t\t<\/button>\n\t\t\t\t\t<div class=\"\n\t\t\t\t\t\tco-accordion--panel\n\t\t\t\t\t\tjs-accord_content\n\t\t\t\t\t\">\n\t\t\t\t\t\t<h2>Ways to make your Loan Payment<\/h2>\n<p>It’s easy to make one-time payments or set up recurring payments.<\/p>\n<h3><strong>Pay from a Sound Account<\/strong><\/h3>\n<ul>\n<li><span class=\"bold\"><strong>Online<\/strong><\/span> \u2013 Log into your account and select <span class=\"bold\"><strong>Transfer & Pay ><a href=\"https:\/\/www.soundcuonline.com\/dbank\/live\/app\/ql\/all\/b1c353e8ac\" rel=\"noopener\"><span class=\"underline\"> Sound Transfer & Payments<\/span><\/a><\/strong><\/span> to transfer your one-time payment or set up recurring payments.<\/li>\n<li>Use Online, Mobile or Telephone Banking to make a one-time or recurring payment transfer.<\/li>\n<li><span class=\"underline\"><a href=\"https:\/\/www.soundcu.com\/contact\/\">Contact us<\/a><\/span> in the way that\u2019s most convenient for you and we\u2019ll transfer the payment for you.<\/li>\n<\/ul>\n<h3>Pay from another Financial Institution<\/h3>\n<ul>\n<li><span class=\"bold\"><strong>Online<\/strong><\/span> \u2013 Log into your Sound account and select:\n<ul>\n<li><span class=\"bold\"><strong>Transfer & Pay > <a href=\"https:\/\/www.soundcuonline.com\/dbank\/live\/app\/ql\/all\/70990d0f94\" rel=\"noopener\"><span class=\"underline\">External Transfers<\/span><\/a><\/strong><\/span> to transfer money from an account you have at another financial institution<\/li>\n<li><span class=\"bold\"><strong>Transfer & Pay > <a href=\"https:\/\/www.soundcuonline.com\/dbank\/live\/app\/ql\/all\/5c3eee0e59\" rel=\"noopener\"><span class=\"underline\">External Payments<\/span><\/a><\/strong><\/span>\u00a0to set up a payment using your debit card or an account at another financial institution.<\/li>\n<\/ul>\n<\/li>\n<li><span class=\"bold\"><strong>Mobile Deposit (check)<\/strong><\/span> \u2013 Download the Sound app and use Mobile Deposit to deposit a check into your savings or checking, then transfer the payment to your loan.<\/li>\n<li><span class=\"bold\"><strong>Pay by ACH or Debit Card<\/strong><\/span> \u2013 Set up an <a href=\"https:\/\/web.baconpay.com\/gate\/login?institutionId=60354d12-badc-4995-9b47-006167b7a40a\" rel=\"noopener\"><span class=\"underline\">expedited loan payment<\/span><\/a> to your Sound credit card, vehicle, personal, home equity or Express Mortgage using your debit card or an account at another financial institution. (<a href=\"https:\/\/www.soundcu.com\/rates\/personal\/account-fees\/\"><span class=\"underline\">Fees<\/span><\/a> apply. Maximum payment amount is $1,500)<\/li>\n<li><span class=\"bold\"><strong>Set up automatic payments (ACH Payment)<\/strong><\/span> – Complete the <a href=\"https:\/\/www.soundcu.com\/files\/ACH-Debit-Authorization.pdf\"><span class=\"underline\">ACH Debit Authorization form<\/span><\/a>, allowing us to deduct your payment automatically each month from your chosen account.<\/li>\n<\/ul>\n<h3>Pay in Person (cash or check)<\/h3>\n<ul>\n<li>Visit a <a href=\"https:\/\/www.soundcu.com\/branches\/\"><span class=\"underline\">Sound branch<\/span><\/a> to make your payment by cash or check.<\/li>\n<li>Visit a <a href=\"https:\/\/www.soundcu.com\/branches\/\"><span class=\"underline\">CO-OP Shared Branching location<\/span><\/a> to make your payment.<\/li>\n<\/ul>\n<h3><strong>Pay by Mail<\/strong><\/h3>\n<p>Please include the last four digits of your account number and the loan number on your check.<\/p>\n<p>Sound Credit Union<br \/>\nPO Box 1595<br \/>\nTacoma WA 98401<\/p>\n<h3><strong>Pay a Sound Mortgage<\/strong><\/h3>\n<ul>\n<li><span class=\"bold\"><strong>Online<\/strong><\/span> – Make payments online through the <span class=\"underline\"><a href=\"https:\/\/soundcu.loanadministration.com\/\" rel=\"noopener\">Mortgage Payment Center<\/a><\/span><\/li>\n<li><span class=\"bold\"><strong>By Mail (check)<\/strong><\/span> – Send payments along with your monthly tear-off coupon to the address below:<\/li>\n<\/ul>\n<p>Sound Credit Union<br \/>\nAttn: Payment Processing<br \/>\nPO Box 11733<br \/>\nNewark NJ 07101\u20104733<\/p>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t<\/section>\n\n\t<\/div>\n<\/div>\n\n\n<div class=\"co-flex_row co-flex_row__blue co-flex_row__single-path-cta co-flex_row__next_row__back-to-top\" id=\"apply\">\n\t<div class=\"co-flex_row--row co-row\">\n\t\t\t<svg class=\"co-sp_cta__svg\" width=\"488.512\" height=\"338.101\" viewBox=\"0 0 488.512 338.101\">\n\t\t\t<path class=\"co-sp_cta__svg--path_big\" d=\"M488.512,163.324C337.738,308.387,172.875,346.284,6.386,332.445c-12.895-1.072-2.726.507,0-169.121C7.666,83.681-1.682,4.826,3.448,4.309,177.337-13.221,346.255,19.454,488.512,163.324Z\"\/>\n\t\t\t<path class=\"co-sp_cta__svg--path_small\" d=\"M408.431,63.648c-126.358,121.572-278.108,50-408.431,0C129.644,19.327,291.966-54.138,408.431,63.648Z\" transform=\"translate(0 207.52)\" fill=\"#efc025\"\/>\n\t<\/svg>\n\t<div class=\"co-sp_cta\">\n\t\t\t\t<header class=\"co-intro_text\">\n\t\t\t<h2 class=\"co-intro_text--title\">Applying for a Sound HELOC is Easy.<\/h2><div class=\"co-intro_text--intro\"><p>Applying online is quick and easy, take the next step.<\/p>\n<\/div>\t\t<\/header>\n\t<a class=\"co-sp_cta--button gtm-button\" href=\"https:\/\/app.loanspq.com\/he\/HomeEquityLoan.aspx?lenderref=soundcu082521&_ga=2.175010722.1490978376.1715007655-1124716528.1711565775&_gl=1*1mlvo0l*_ga*MTEyNDcxNjUyOC4xNzExNTY1Nzc1*_ga_FR6440DWJ8*MTcxNTAyNTY2OC43MS4xLjE3MTUwMzI0NTkuNTQuMC4w\" target=\"_blank\" rel=\"noopener\">Apply for a HELOC<\/a>\t<\/div>\n\n\t<\/div>\n<\/div>\n\n\n<div class=\"co-flex_row co-flex_row__back-to-top co-flex_row__next_row__disclosures\" >\n\t<div class=\"co-flex_row--row co-row\">\n\t\t<div class=\"co-back-to-top\">\t\n <a class=\"co-back-to-top--link js-scroll_link\" href=\"#\" aria-label=\"\">\n\t\t<img\n\t\t\tclass=\"co-back-to-top--arrow\"\n\t\t\tsrc=\"https:\/\/www.soundcu.com\/wp-content\/themes\/soundcu-theme\/images\/back_top.svg\"\n\t\t\talt=\"Back to Top Button\"\n\t\t\twidth=\"18.07\"\n\t\t\theight=\"23.169\"\n\t\t\tloading=\"lazy\"\n\t\t>\n\t Back to top <\/a>\n<\/div>\n\n\t<\/div>\n<\/div>\n\n\n<div class=\"co-flex_row co-flex_row__blue co-flex_row__last co-flex_row__disclosures\" >\n\t<div class=\"co-flex_row--row co-row\">\n\t\t\t<div class=\"co-disclosures\">\n\t\t<h2 class=\"co-disclosures--title\">Disclosures<\/h2>\n\t\t<div class=\"co-disclosures--content\">\n\t\t\t<div class=\"small-text\">\n<p id=\"isPasted\">All loans are subject to Sound Credit Union lending policies. Verification of income may be required. All loans are subject to credit approval. Your rate and credit limit will be determined based on individual creditworthiness including income, debt ratio, and employment. Must be 18 years of age to qualify for a loan. Homeowners insurance is required. A $525 early closure fee is applied if the loan is closed within the first 24 months. Estimated appraisal cost is $850 and is subject to change. Maximum loan amount is determined by the amount of equity in your home. Equity in your home is based on appraised value. The APR includes only interest and no other costs and is based on the value of an index. This index is the Prime Rate published in the Wall Street Journal and could change at any time. Sound will use the most recent Index available to us as of 5 days before the date of any change to the Annual Percentage Rate. To determine the Annual Percentage Rate which will apply to your account, a margin will be added to your current Index rate. Home equity line of credit has a variable rate feature and an APR (corresponding to the monthly periodic rate) and the minimum payment may change as a result. In no event will the Annual Percentage Rate be less than 3.99% or more than the lesser of 18% per annum or the maximum rate allowed by applicable law. Borrow up to 90% of appraised value. For 81%-90% of appraised value, borrow up to $50,000 maximum for Home Equity Loans and Home Equity Lines of Credit. Rate and offer are subject to change at any time. Mortgaged property must be in Washington, Oregon, or Idaho. Must be a Sound Credit Union member to participate.<\/p>\n<p>NMLS# 691150<br \/>\nEqual Housing Opportunity.<\/p>\n<\/div>\n\t\t<\/div>\n\t<\/div>\n\n\t<\/div>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>Finance your home improvements wish list, or virtually anything, with a Sound Home Equity Line of Credit. <a href=\"https:\/\/www.soundcu.com\/heloc\/\">Continue reading <span class=\"meta-nav\">→<\/span><\/a><\/p>\n","protected":false},"author":10,"featured_media":11229,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"tpl-leadCapture.php","meta":{"_acf_changed":false,"content-type":"","_searchwp_excluded":"","footnotes":""},"county":[],"class_list":["post-13455","page","type-page","status-publish","has-post-thumbnail","hentry"],"acf":[],"_links":{"self":[{"href":"https:\/\/www.soundcu.com\/wp-json\/wp\/v2\/pages\/13455","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.soundcu.com\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/www.soundcu.com\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/www.soundcu.com\/wp-json\/wp\/v2\/users\/10"}],"replies":[{"embeddable":true,"href":"https:\/\/www.soundcu.com\/wp-json\/wp\/v2\/comments?post=13455"}],"version-history":[{"count":9,"href":"https:\/\/www.soundcu.com\/wp-json\/wp\/v2\/pages\/13455\/revisions"}],"predecessor-version":[{"id":17716,"href":"https:\/\/www.soundcu.com\/wp-json\/wp\/v2\/pages\/13455\/revisions\/17716"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.soundcu.com\/wp-json\/wp\/v2\/media\/11229"}],"wp:attachment":[{"href":"https:\/\/www.soundcu.com\/wp-json\/wp\/v2\/media?parent=13455"}],"wp:term":[{"taxonomy":"county","embeddable":true,"href":"https:\/\/www.soundcu.com\/wp-json\/wp\/v2\/county?post=13455"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}