888 Washington Blvd.
Stamford, CT 06901
See all branch locations →

Notable Rates APY Vs.Others
Savings 0.05% 0.85% →
1-Year CD N.A. 0.80% →
2-Year CD N.A. 0.80% →
5-Year CD N.A. 1.15% →
30-Year Mortgage N.A. 2.72% →
15-Year Mortgage N.A. 2.36% →
HELOC N.A. 2.79% →

2021 Overview

General Credit Union Information

Sound is an NCUA insured institution located in Stamford, CT. It was founded in 1953 and has approximately $79.93 millions in assets.

NCUA Insured Yes / Federally Chartered
Charter Number # # 24705
Date Established 1953
Assets $79.93 million
Loans $52.19 million
Deposits $71.59 million
Capital $7.42 million

Field of Membership Restrictions

Membership is open to those who live, work, worship, volunteer or attend school in Greenwich, Stamford, Norwalk, New Canaan, Darien, Weston, Westport, Wilton, Fairfield, Trumbull, Bridgeport, Easton, Shelton, Stratford or Monroe.

Deposit Rates - September 24, 2021

Your Current Location: Connecticut, CT 06828

Savings and Money Market Rates (Share Account Rates) APY MIN MAX
0.05% $2,500 $4,999 Learn More
Money Market
0.05% $2,500 $2,999 Learn More
Money Market
0.10% $10,000 $14,999 Learn More
Money Market
0.15% $25,000 $29,999 Learn More
CD Rates (Share Certificate Rates) APY MIN MAX
6 Mo CD
0.25% $10,000 $14,999 Learn More
6 Mo CD
0.25% $100,000 $199,999 Learn More
Variable IRA Rates APY MIN MAX
0.10% $1 $499 Learn MoreShow Less
Int Checking Rates APY MIN MAX
Int Ckg
0.25% $1 $99 Learn MoreShow Less
Int Ckg
0.25% $2,500 $3,499 Learn MoreShow Less

Loan Rates - September 24, 2021

Your Current Location: Connecticut, CT 06828

There are currently no loan rates available for SOUND

Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:

Featured - Connecticut 30 Year Fixed Mortgage Rates 2021

Lender APR Rate (%) Points Fees Monthly
Learn More
Morty, Inc.
NMLS ID: 1429243
2.654% 2.625% 0.38 $960 $1,005 Learn More

Featured - Connecticut Home Equity Line Of Credit Rates 2021

Lender APR (%)? Monthly Payment? Learn More
Bethpage Federal Credit Union
Bethpage Federal Credit Union
See Table
Intro APR
2.990 %
After Intro: 3.750 %
Intro Period: 12 months
$25,000 Learn More
More Info
BMO Harris Bank
BMO Harris Bank
See Table
Intro APR
1.790 %
After Intro: 4.840 %
Intro Period: 6 months
$0 Learn More
More Info
Third Federal Savings and Loan
Third Federal Savings and Loan
See Table
2.240 %
$0 Learn More
More Info

Note to SOUND
To upload and update your bank's rates please register. It is free to register and add rates.



Below are Sound branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.

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Financial Details

Sound Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Sound. The data is provided by the NCUA. All credit unions on BestCashCow, except those specified as not NCUA-insured in the overview section above, are NCUA-insured. Depositors should be careful to remain within NCUA insurance limits.

Texas Ratio
Sound U.S. Average
4.57% 4.38

The Texas Ratio compares the amount of loans at risk and assets repossessed with the amount a credit union has on hand to cover any losses. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a credit union has to absorb its loan losses.

As of March 31, 2021, Sound had $350,271 in non-current loans and $0 in owned assets. To cover these potential losses it had $7,421,898 in net worth and $238,660 in loans loss reserves. That gives it a Texas Ratio of 4.57%.

Net Worth
Sound U.S. Average
9.28% 12.20%

Sound FCU has a net worth of 9.28% versus the BestCashCow average of 12.20. Net worth measures how much total assets exceed total liabilities. The higher the net worth number the more secure a credit union is considered.

Frequently Asked Questions About Sound

Branches and Savings

What is Sound?

A federal credit union, registered with the NCUA under certificate #24705.
Learn more about credit unions here.

Is Sound FDIC insured?

No, credit unions are not insured by the FDIC. Most, but not all, are insured by the National Credit Union Administration. The insurance provisions of the NCUA are similar to, but not identical to, FDIC insurance. Sound is insured by the NCUA.

Who can join Sound?

Please see Field of Membership information above for information on who is eligible to join.

What are Sound's share account and share certificate rates?

Sound's deposit account rates are listed above.
You may find better online savings rates here or better local savings rates at banks or credit unions. Tables with the best CD rates are here.

How big is Sound?

Sound has total capital of $7.42 million. Full information on Sound's financial position is located above.

Who owns Sound?

Credit Unions are owned by their members.

Where are Sound branches located?

See branch locations nearby.

Are Sound ATMs Open 24/7?

Do Sound ATMs accept cash deposits?

Can Sound customers use other ATMs? What is the charge for withdrawing money from another ATM?

Does Sound have a mobile app?

Does Sound have mobile deposit?

Does Sound have quick pay?

How can Sound transfer money to other banks or credit unions?

Does Sound report to credit bureaus?

Does Sound use Chexsystems?

Does Sound use Equifax?

What is Sound's toll free phone number?

What is Sound's ACH Routing Number?

What is Sound's SWIFT code?

Where can I find Sound's wire transfer form?

What is the Sound address for deposits?

What Products Does Sound Offer

Does Sound offer mortgages?

Compare mortgage rates here.

Does Sound offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does Sound offer auto and RV loans?

Compare auto loan rates here.

Does Sound offer student loans or personal loans?

Compare personal loan rates here.

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