Sound Federal Credit Union

Headquarters: Tacoma, Washington
Charter: Credit Union
Assets: $3.4B
Fed district: San Francisco

26 published fees; none has a market median to compare yet.

Source: its fee schedule, read Nov 4, 2026.

Explore Hamilton View published fees

Fees against the market

Comparison with U.S. medians for fees published by banks and credit unions.

Monthly Maintenance
Interest Checking
Sound Federal Credit Union: $7
Sound Federal Credit Union: $7
U.S. median: no median
Overdraft (OD)
Sound Federal Credit Union: $29
Sound Federal Credit Union: $29
U.S. median: no median
NSF / Returned Item
Compared at $30.50, the middle of its prices
Sound Federal Credit Union: $29 to $32
Sound Federal Credit Union: $29 to $32
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Nov 4, 2026View sources

Each amount links to the fee schedule it was read from. Medians for Washington, the San Francisco district and the U.S.: Bank Fee Index published fees, shown where at least 5 institutions publish the fee.

Compared at: The value this page compares: its one price, or the middle of its prices when it lists several (the highest, its standard fee, for overdraft).
Same rules: Its fees and every median use the same rules. Business-only fees are left out. So are CD, IRA, card inactivity, box drilling and key fees filed under a fee they don’t match, and fees charged by a different period than the median (a quarterly fee beside monthly ones).
Washington: Banks and credit unions headquartered in Washington that publish the fee.
San Francisco district: Banks and credit unions headquartered in the San Francisco Fed district that publish the fee.
U.S.: Banks and credit unions across the Bank Fee Index that publish the fee.
About the same: Within 1% of the median.
Account: Fees not tied to a named account apply across its personal accounts.

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Published fee schedule

Amounts from Sound Federal Credit Union’s own schedules, with a source for each figure.

Account Maintenance

Monthly Fee (Interest Checking)$7
per month
Fee Amount$10
Program Inactive Account (after 1 year): Fee Amount$10
per month
Fee Amount$20
Not compared: Charged per hour; comparison unavailable
per hour
Program Wrong Address: Fee Amount$10
Not compared: Quarterly charge, not monthly
per quarter

Overdraft & NSF

Program Courtesy Pay (1 NSF or Courtesy Pay refund per calendar year upon request): Fee Amount$29
per item
Program NSF (1 NSF or Courtesy Pay refund per calendar year upon request): Fee Amount$29
per item
Fondos insuficientes$29
per item
Program Returned Item (reason other than NSF): Fee Amount$32
per item
Program Overdraft Transfer: Fee Amount$5
Not compared: Daily charge, not per item
per day

ATM & Card

Retiro de tarjeta no perteneciente a la red en un cajero automático de Sound$3.50
per transaction
Program Card Replacement: Fee Amount$5
per item
Program Overnight/Express Shipping: Fee Amount$25

Wire Transfers

Program Wire Transfer - Domestic (outgoing): Fee Amount$25
per item
Program Wire Transfer - International (outgoing): Fee Amount$50
per item

Check Services

Program Money Order 3 free per month for Sound Debit Accounts: Fee Amount$2
per item
Program Stop Payment: Fee Amount$32
per item
Cobro de cheques para no miembros$5
per item
Program Foreign Check Processing$100
per item
Program Document Retrieval (includes check copies): Fee Amount$2
per item

Cash & Deposit

Program Coin Processing8%
per day
Program Coin Processing (audience not stated, treated as personal)8%
per day
Program Deposit Return Fee (returned check of depositor): Fee Amount$15
per item

Account Services

Fee Amount$10
Program 10 X 10 X 21: Fee Amount$100
Program 3 X 10 X 21: Fee Amount$50
Program 3 X 5 X 21: Fee Amount$30
Program 5 X 10 X 21: Fee Amount$60
Program 5 X 5 X 21: Fee Amount$40
Program Box Drilling: Fee Amount$250
Not compared: Box drilling or key fee
Program Replacement Key: Fee Amount$20
Not compared: Box drilling or key fee
Program Legal Action (garnishments/levies): Fee Amount$50
Program Subordination: Fee Amount$245

Lending Fees

Fee Amount$25
Program Consumer Loan Late Payment5%($29 minimum)
Program Consumer Loan Late Payment (audience not stated, treated as personal)5%($29 minimum)

Vehicle & Title

Transferencia de título$46
per transaction

Gift & Prepaid Cards

Program Visa Gift Card Purchase: Fee Amount$3.95
per item

Other Fees

Envío exprés/de un día para otro$25
per item
Program Photocopy: Fee Amount$0.50
per item
Program Statement Copy: Fee Amount$2
Program Home Equity Reconveyance: Fee Amount$370.50
Program Skip-A-Pay (program available for eligible consumer loans): Fee Amount$32
per item

Fee	Amount	Basis	Note
Account Maintenance
Monthly Fee (Interest Checking)	$7	per month	None
Fee Amount	$10	Not stated	None
Program Inactive Account (after 1 year): Fee Amount	$10	per month	None
Fee Amount	$20Not compared: Charged per hour; comparison unavailable	per hour	None
Program Wrong Address: Fee Amount	$10Not compared: Quarterly charge, not monthly	per quarter	None
Overdraft & NSF
Program Courtesy Pay (1 NSF or Courtesy Pay refund per calendar year upon request): Fee Amount	$29	per item	None
Program NSF (1 NSF or Courtesy Pay refund per calendar year upon request): Fee Amount	$29	per item	None
Fondos insuficientes	$29	per item	None
Program Returned Item (reason other than NSF): Fee Amount	$32	per item	None
Program Overdraft Transfer: Fee Amount	$5Not compared: Daily charge, not per item	per day	None
ATM & Card
Retiro de tarjeta no perteneciente a la red en un cajero automático de Sound	$3.50	per transaction	None
Program Card Replacement: Fee Amount	$5	per item	None
Program Overnight/Express Shipping: Fee Amount	$25	Not stated	None
Wire Transfers
Program Wire Transfer - Domestic (outgoing): Fee Amount	$25	per item	None
Program Wire Transfer - International (outgoing): Fee Amount	$50	per item	None
Check Services
Program Money Order 3 free per month for Sound Debit Accounts: Fee Amount	$2	per item	None
Program Stop Payment: Fee Amount	$32	per item	None
Cobro de cheques para no miembros	$5	per item	None
Program Foreign Check Processing	$100	per item	None
Program Document Retrieval (includes check copies): Fee Amount	$2	per item	None
Cash & Deposit
Program Coin Processing	8%	per day	None
Program Coin Processing (audience not stated, treated as personal)	8%	per day	None
Program Deposit Return Fee (returned check of depositor): Fee Amount	$15	per item	None
Account Services
Fee Amount	$10	Not stated	None
Program 10 X 10 X 21: Fee Amount	$100	Not stated	None
Program 3 X 10 X 21: Fee Amount	$50	Not stated	None
Program 3 X 5 X 21: Fee Amount	$30	Not stated	None
Program 5 X 10 X 21: Fee Amount	$60	Not stated	None
Program 5 X 5 X 21: Fee Amount	$40	Not stated	None
Program Box Drilling: Fee Amount	$250Not compared: Box drilling or key fee	Not stated	None
Program Replacement Key: Fee Amount	$20Not compared: Box drilling or key fee	Not stated	None
Program Legal Action (garnishments/levies): Fee Amount	$50	Not stated	None
Program Subordination: Fee Amount	$245	Not stated	None
Lending Fees
Fee Amount	$25	Not stated	None
Program Consumer Loan Late Payment	5%($29 minimum)	Not stated	None
Program Consumer Loan Late Payment (audience not stated, treated as personal)	5%($29 minimum)	Not stated	None
Vehicle & Title
Transferencia de título	$46	per transaction	None
Gift & Prepaid Cards
Program Visa Gift Card Purchase: Fee Amount	$3.95	per item	None
Other Fees
Envío exprés/de un día para otro	$25	per item	None
Program Photocopy: Fee Amount	$0.50	per item	None
Program Statement Copy: Fee Amount	$2	Not stated	None
Program Home Equity Reconveyance: Fee Amount	$370.50	Not stated	None
Program Skip-A-Pay (program available for eligible consumer loans): Fee Amount	$32	per item	None

Audience not stated on the bank’s schedule; treated as personal. Fees may differ for business or commercial accounts. How audience is decided

Correct a fee source

Nov 4, 2026 data snapshot. Each amount links to its fee schedule. The U.S. comparison is the middle 50% of Bank Fee Index published fees, shown where at least 5 institutions publish the fee.

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