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iAdvertiser Disclosure
Advertiser Disclosure
Some institutions listed may have a business relationship with MonitorBankRates. Our proprietary systems independently track and verify all rates. Advertiser relationships do not influence our Safety Ratings, Star Ratings, Texas Ratio calculations, or the rates shown.
 Sovita Credit Union Rates & Review April 2026
Content reviewed by
Brian McKay
Brian McKayFounder & Data ArchitectExpertise
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
Read Full Bio →
Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
✓Fact Checked
Rates Last Updated: March 28, 2026
Sovita Credit Union's 182 Days Regular CD rates are at 3.90%, 91 Days Regular CD rates are at 2.30%. MonitorBankRates evaluates the financial stability of Sovita Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 0.36%. Rates were last updated on 03/28/2026. Sovita Credit Union money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at Sovita Credit Union? Share your experience about Sovita Credit Union by leaving a review below, or read customer reviews before you decide to use Sovita Credit Union. 
Sovita Credit Union CD Rates
Sovita Credit Union Savings Rates
Sovita Credit Union Checking Rates
Sovita Credit Union Credit Card Rates
Methodology & Data SourcesMonitorBankRates Star Rating
Our rating for Sovita Credit Union is derived from comprehensive financial data published quarterly by the NCUA. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with member feedback (user reviews) to help you make informed banking decisions.
Texas Ratio
We calculate the Texas Ratio using standard industry methodology. This ratio compares the credit union's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.
Rate Data Aggregation
We gather Sovita Credit Union rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.
Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions.
It is always advisable to check with Sovita Credit Union's official website for the most current offers and terms.
Credit Union Profile & Overview
Credit Union Name
Sovita Credit Union
Website
https://www.sovitacu.org
Address
4411 Calkins Rd,
Flint, MI 48532
Phone
810-720-8300
Fax
810-720-8302
President
Patricia Gooch
CEO
Patrick White
Full-Time Employees
48
Part-Time Employees
27
Branch Locations
5
ATM Locations
3
NCUA Insured
✓ Yes — Up to $250,000 per depositor
FinancialsMonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A+ (100/100)
Texas Ratio
0.36%
Return on Assets (ROA)
0.7068%
Return on Equity (ROE)
4.4011%
Non-Performing Loans Ratio (NPL)
0.24%
Total Assets
563,307,314
Total Amount of Shares and Deposits
476,138,160
Total Shares and Deposits < 1 Year
454,803,464
Total Shares and Deposits 1 3 Years
21,334,696
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
21,192,012
Total Uninsured Shares and Deposits > $250K (F+J)
21,192,012
Total Insured Shares and Deposits > $250K (item 17 less item K)
454,946,148
Total Interest Expense (Sum of items 6 8)
5,245,072
Share Certificates
3,059
Number of Accounts for Share Drafts
13,159
IRA KEOGH Accounts
521
Number of Accounts for Regular Shares
22,834
All other shares
147
Money Market Shares
4,150
Total Cash on Deposit (Amounts Deposited in Financial Institutions)
73,972,145
Total Liabilities
478,953,941
Source: NCUA — Last Updated 09/30/2025
Frequently Asked Questions About Sovita Credit UnionIs Sovita Credit Union a safe place to deposit money?Yes, Sovita Credit Union is considered a safe financial institution. With a Texas Ratio of 0.36201091874067%, the institution's financial health is rated as excellent. Your accounts are federally insured by the NCUA (National Credit Union Administration) up to $250,000 per depositor, for each account ownership category. How many branches does Sovita Credit Union operate?Sovita Credit Union currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes. Is a member application needed to join Sovita Credit Union?Yes, to access services at Sovita Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations. Is there a first-time homebuyer program?Currently, Sovita Credit Union does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing. Are credit management and repair services offered?While formal credit repair services are not currently listed, Sovita Credit Union provides members with tools to manage their accounts and build a solid financial history. Does Sovita Credit Union offer online and mobile banking?Most modern institutions like Sovita Credit Union provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.sovitacu.org. Compare to Other Credit Unions
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