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Sovita Credit Union

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Sovita Credit Union Rates & Review November 2026

Q: What are the current interest rates at Sovita Credit Union?

Current rates for Sovita Credit Union include: 12-Month CD: 3.88%, 18-Month CD: 3.80%, 24-Month CD: 3.80%, Savings: 0.30%

Q: What CD terms does Sovita Credit Union offer?

Sovita Credit Union CD rates are 3.88% APY for a 12 month CD, 3.80% APY for an 18 month CD, 3.80% APY for a 2 year CD and 3.80% APY for a 30 month CD, verified by MonitorBankRates as of October 29, 2026. The institution may offer other terms or specials that are not listed here, so check with Sovita Credit Union for its full lineup.

Q: 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.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: October 29, 2026

Sovita Credit Union's 12 Month CD of Deposit rates are at 3.88%, CD of Deposit - 12 month rates are at 3.88%, CD of Deposit - 18 month rates are at 3.80%, CD of Deposit - 24 month rates are at 3.80%, CD of Deposit - 30 month rates are at 3.80%. Sovita Credit Union's savings rates are at 0.30%. Sovita Credit Union's checking rates are as high as 0.05%. Sovita Credit Union's Auto Loan Rates are as low as 3.75%. Sovita Credit Union's Credit Card Rates are at 8.90%. Sovita Credit Union's CD rates are 31% higher than the MonitorBankRates national average, and it has an A+ health rating. 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 0.45%. Rates last updated and verified on 10/29/2026.

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.

Verified Healthy 2026 Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

A+

Exceptional Health Score: 100/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

0.45%

Excellent Lower than avg

Health Trend

Very strong 12 quarters

Full history ›

Sovita Credit Union
Calkins Rd

4411 Calkins Rd
Flint, MI 48532

https://www.sovitacu.org

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Financial health data as of Q2 2026 (NCUA 5300 call report for the quarter ended June 30, 2026). This is the most recent call report available. The NCUA publishes credit union call reports about ten weeks after each quarter ends.

Sovita Credit Union CD Rates

Product	Rate	APY	Term
Certificate of Deposit - 182 Days	3.95%	3.95%	182 Days
Min Deposit $2,500 Details Type: Regular; APY (interest paid at maturity): 3.95%; APY (interest paid monthly): 3.95%; APY (interest paid quarterly): N/A; APY (interest paid & compounded quarterly): N/A Last Updated 10/29/2026 Rate History No change since Oct 19, 2026 · 3.95% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.45%
12 Month Certificate of Deposit	-	3.88%	12 Month
Min Deposit $5,000 Details Minimum deposit of $5,000 required; A penalty may be imposed for early withdrawal Last Updated 10/29/2026 Rate History 3 changes since Sep 18, 2026 · 3.73% → 3.88% ▲ 0.15 pts · high 3.88% / low 3.73% Oct 9, 20263.88%▲ from 3.83% Sep 29, 20263.83%▲ from 3.78% Sep 21, 20263.78%▲ from 3.73% Sep 18, 20263.73%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.45%
Certificate of Deposit - 12 month	3.88%	3.88%	12 Months
Min Deposit $500 Details Type: Regular & IRA; APY (interest paid at maturity): N/A; APY (interest paid monthly): 3.88%; APY (interest paid quarterly): 3.88%; APY (interest paid & compounded quarterly): 3.94% Last Updated 10/29/2026 Rate History 1 change since Sep 14, 2026 · 3.73% → 3.88% ▲ 0.15 pts · high 3.88% / low 3.73% Oct 29, 20263.88%▲ from 3.73% Sep 14, 20263.73%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.45%
Certificate of Deposit - 18 month	3.80%	3.80%	18 Months
Min Deposit $500 Details Type: Regular & IRA; APY (interest paid at maturity): N/A; APY (interest paid monthly): 3.80%; APY (interest paid quarterly): 3.80%; APY (interest paid & compounded quarterly): 3.85% Last Updated 10/29/2026 Rate History No change since Sep 21, 2026 · 3.80% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.45%
Certificate of Deposit - 24 month	3.80%	3.80%	24 Months
Min Deposit $500 Details Type: Regular & IRA; APY (interest paid at maturity): N/A; APY (interest paid monthly): 3.80%; APY (interest paid quarterly): 3.80%; APY (interest paid & compounded quarterly): 3.85% Last Updated 10/29/2026 Rate History No change since Sep 21, 2026 · 3.80% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.45%
Certificate of Deposit - 30 month	3.80%	3.80%	30 months
Min Deposit $500 Details Type: Regular & IRA; APY (interest paid at maturity): N/A; APY (interest paid monthly): 3.80%; APY (interest paid quarterly): 3.80%; APY (interest paid & compounded quarterly): 3.85% Last Updated 10/29/2026 Rate History No change since Sep 21, 2026 · 3.80% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.45%
Certificate of Deposit - 36 month	3.80%	3.80%	36 Months
Min Deposit $500 Details Type: Regular & IRA; APY (interest paid at maturity): N/A; APY (interest paid monthly): 3.80%; APY (interest paid quarterly): 3.80%; APY (interest paid & compounded quarterly): 3.85% Last Updated 10/29/2026 Rate History No change since Sep 21, 2026 · 3.80% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.45%
91 Day Certificate of Deposit	-	2.35%	91 days
Details 91 Day APY Last Updated 10/29/2026 Rate History 1 change since Sep 14, 2026 · 2.30% → 2.35% ▲ 0.05 pts · high 2.35% / low 2.30% Oct 9, 20262.35%▲ from 2.30% Sep 14, 20262.30%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.45%
Certificate of Deposit - 91 Days	2.35%	2.35%	91 Days
Min Deposit $2,500 Details Type: Regular; APY (interest paid at maturity): 2.35%; APY (interest paid monthly): 2.35%; APY (interest paid quarterly): N/A; APY (interest paid & compounded quarterly): N/A Last Updated 10/29/2026 Rate History No change since Oct 19, 2026 · 2.35% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.45%

Sovita Credit Union Business CD Rates

Product	Rate	APY	Term
Business Certificate of Deposit - 182 Days	3.95%	3.95%	182 Days
Min Deposit $10,000 Details APY interest paid at maturity; Annual Interest Rate 3.95% Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 3.95% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.45%
Business Certificate of Deposit - 12 month	3.88%	3.94%	12 Months
Min Deposit $2,500 Details APY interest paid & compounded quarterly; Annual Interest Rate 3.88% Last Updated 10/29/2026 Rate History 1 change since Oct 19, 2026 · 3.88% → 3.94% ▲ 0.06 pts · high 3.94% / low 3.88% Oct 26, 20263.94%▲ from 3.88% Oct 19, 20263.88%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.45%
Business Certificate of Deposit - 12 month	3.88%	3.88%	12 Months
Min Deposit $2,500 Details APY interest paid monthly; Annual Interest Rate 3.88% Last Updated 10/29/2026 Rate History No change since Oct 19, 2026 · 3.88% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.45%
Business Certificate of Deposit - 18 month	3.80%	3.85%	18 Months
Min Deposit $2,500 Details APY interest paid & compounded quarterly; Annual Interest Rate 3.80% Last Updated 10/29/2026 Rate History 1 change since Oct 19, 2026 · 3.80% → 3.85% ▲ 0.05 pts · high 3.85% / low 3.80% Oct 26, 20263.85%▲ from 3.80% Oct 19, 20263.80%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.45%
Business Certificate of Deposit - 24 month	3.80%	3.85%	24 Months
Min Deposit $2,500 Details APY interest paid & compounded quarterly; Annual Interest Rate 3.80% Last Updated 10/29/2026 Rate History 1 change since Oct 19, 2026 · 3.80% → 3.85% ▲ 0.05 pts · high 3.85% / low 3.80% Oct 26, 20263.85%▲ from 3.80% Oct 19, 20263.80%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.45%
Business Certificate of Deposit - 30 month	3.80%	3.85%	30 Months
Min Deposit $2,500 Details APY interest paid & compounded quarterly; Annual Interest Rate 3.80% Last Updated 10/29/2026 Rate History 1 change since Oct 19, 2026 · 3.80% → 3.85% ▲ 0.05 pts · high 3.85% / low 3.80% Oct 26, 20263.85%▲ from 3.80% Oct 19, 20263.80%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.45%
Business Certificate of Deposit - 36 month	3.80%	3.85%	36 Months
Min Deposit $2,500 Details APY interest paid & compounded quarterly; Annual Interest Rate 3.80% Last Updated 10/29/2026 Rate History 1 change since Oct 19, 2026 · 3.80% → 3.85% ▲ 0.05 pts · high 3.85% / low 3.80% Oct 26, 20263.85%▲ from 3.80% Oct 19, 20263.80%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.45%
Business Certificate of Deposit - 18 month	3.80%	3.80%	18 Months
Min Deposit $2,500 Details APY interest paid monthly; Annual Interest Rate 3.80% Last Updated 10/29/2026 Rate History No change since Oct 19, 2026 · 3.80% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.45%
Business Certificate of Deposit - 24 month	3.80%	3.80%	24 Months
Min Deposit $2,500 Details APY interest paid monthly; Annual Interest Rate 3.80% Last Updated 10/29/2026 Rate History No change since Oct 19, 2026 · 3.80% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.45%
Business Certificate of Deposit - 30 month	3.80%	3.80%	30 Months
Min Deposit $2,500 Details APY interest paid monthly; Annual Interest Rate 3.80% Last Updated 10/29/2026 Rate History No change since Oct 19, 2026 · 3.80% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.45%
Business Certificate of Deposit - 36 month	3.80%	3.80%	36 Months
Min Deposit $2,500 Details APY interest paid monthly; Annual Interest Rate 3.80% Last Updated 10/29/2026 Rate History No change since Oct 19, 2026 · 3.80% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.45%
Business Certificate of Deposit - 91 Days	2.35%	2.35%	91 Days
Min Deposit $10,000 Details APY interest paid at maturity; Annual Interest Rate 2.35% Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 2.35% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.45%

Sovita Credit Union Savings Rates

Product	Rate	APY
Christmas Club	0.30%	0.30%
No additional details. Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 0.30% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.45%
Regular Share	0.30%	0.30%
Min Deposit $5 Details A minimum of $5.00 is required to maintain your share account. Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 0.30% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.45%
Share Savings Account	-	0.30%
No additional details. Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 0.30% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.45%
Summer Check Club	0.30%	0.30%
No additional details. Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 0.30% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.45%
Super Club	0.30%	0.30%
No additional details. Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 0.30% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.45%

Sovita Credit Union Business Savings Rates

Product	Rate	APY	View More
Business Share	0.30%	0.30%
Min Deposit $5 Details Minimum deposit required to open the account and to obtain the stated APY; a minimum of $5.00 is required to maintain the share account Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 0.30% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.45%

Sovita Credit Union Checking Rates

Product	Rate	APY
HSA Share Draft Account	0.05%	0.05%
No additional details. Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 0.05% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.45%
Share Draft Account	0.05%	0.05%
Min Deposit $100 Details Minimum deposit to open is waived if approved for an overdraft line of credit. Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 0.05% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.45%

Sovita Credit Union Business Checking Rates

Product	Rate	APY	View More
Business Checking	0.05%	0.05%
Min Deposit $100 Details Minimum deposit required to open the account and to obtain the stated APY; minimum deposit waived if approved for an overdraft line of credit Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 0.05% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.45%

Sovita Credit Union Home Equity & HELOC

Product	Rate	Points	APR	Term	View More
Home Equity Line of Credit	-	-	7.00%
Details Variable rate; changes quarterly; APR based on Prime Lending Rate plus or minus a margin, never less than 4% or more than 13%; not a fixed rate; Annual Percentage Rate (APR) effective as of October 1, 2026 Last Updated 10/29/2026 Rate History 1 change since Sep 14, 2026 · 6.75% → 7.00% ▲ 0.25 pts · high 7.00% / low 6.75% Oct 2, 20267.00%▲ from 6.75% Sep 14, 20266.75%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.45%

Sovita Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term
2025-2026 Auto/Truck Loan	-	-	3.75%	36 Months
Details As Low As; Rate shown is offered to members with good credit Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 3.75% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.45%
Auto/Truck Loan	-	-	3.75%
Details As Low As; Personal Loans; Annual Percentage Rate (APR) available as of May 4, 2026; subject to change without notice Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 3.75% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.45%
2025-2026 Auto/Truck Loan	-	-	4.70%	48 Months
Details Rate shown is offered to members with good credit Last Updated 10/29/2026 Rate History No change since Sep 18, 2026 · 4.70% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.45%
2025-2026 Auto/Truck Loan	-	-	4.70%	60 Months
Details Rate shown is offered to members with good credit Last Updated 10/29/2026 Rate History No change since Sep 18, 2026 · 4.70% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.45%
2020 Auto/Truck	-	-	4.75%	48 months
No additional details. Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 4.75% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.45%
2021 Auto/Truck Loan	-	-	4.75%	48 Months
Details Model Year: 2021; Rate offered to members with good credit Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 4.75% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.45%
2022-2024 Auto/Truck	-	-	4.75%	48 Months
No additional details. Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 4.75% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.45%
2020 Auto/Truck	-	-	5.00%	60 months
Details Must have fewer than 150,000 miles Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 5.00% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.45%
2021 Auto/Truck Loan	-	-	5.00%	60 Months
Details Model Year: 2021; Rate offered to members with good credit Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 5.00% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.45%
2022-2024 Auto/Truck	-	-	5.00%	60 Months
No additional details. Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 5.00% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.45%
2022-2024 Auto/Truck	-	-	5.25%	72 Months
No additional details. Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 5.25% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.45%
2025-2026 Auto/Truck Loan	-	-	5.25%	72 Months
Details Rate shown is offered to members with good credit Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 5.25% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.45%
2018 Auto/Truck Loan	-	-	5.50%	30 months
Details Model Year: 2018; Estimated monthly payment per $1,000 borrowed: $35.75; Loans currently held by Sovita Credit Union may not be refinanced under this offer Last Updated 10/29/2026 Rate History No change since Sep 18, 2026 · 5.50% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.45%
2018 Auto/Truck Loan	-	-	5.50%	36 months
Details Model Year: 2018; Estimated monthly payment per $1,000 borrowed: $30.20; Loans currently held by Sovita Credit Union may not be refinanced under this offer Last Updated 10/29/2026 Rate History No change since Sep 18, 2026 · 5.50% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.45%
2018 Auto/Truck Loan	-	-	5.50%	42 months
Details Model Year: 2018; Estimated monthly payment per $1,000 borrowed: $26.23; Loans currently held by Sovita Credit Union may not be refinanced under this offer Last Updated 10/29/2026 Rate History No change since Sep 18, 2026 · 5.50% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.45%
2019 Auto/Truck Loan	-	-	5.50%	48 months
Details Rate offered to members with good credit; loans currently held by Sovita Credit Union may not be refinanced under this offer Last Updated 10/29/2026 Rate History No change since Sep 18, 2026 · 5.50% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.45%
2019 Auto/Truck Loan	-	-	5.50%	60 months
Details Rate offered to members with good credit; loans currently held by Sovita Credit Union may not be refinanced under this offer Last Updated 10/29/2026 Rate History No change since Sep 18, 2026 · 5.50% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.45%

Sovita Credit Union RV, Boat and Powersport Loan Rates

Product	Rate	APR	Term
Boat Loans - 60 Months	-	6.74%	60 Months
Details APR effective as of October 1, 2025; rate based on credit history, offered to members with good credit Last Updated 10/29/2026 Rate History No change since Oct 19, 2026 · 6.74% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.45%
Boat Loans - 84 Months	-	7.24%	84 Months
Details APR effective as of October 1, 2025; rate based on credit history, offered to members with good credit Last Updated 10/29/2026 Rate History No change since Oct 19, 2026 · 7.24% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.45%
Large RV Loans	-	7.24%	60 Months
Details Travel Trailer, Motorhome, Fifth Wheel RVs; 2022-2026; APR effective October 1, 2025 and subject to change without notice; rate based on credit history, offered to members with good credit; down payment requirements may apply Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 7.24% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.45%
Boat Loans - 120 Months	-	7.50%	120 Months
Details APR effective as of October 1, 2025; rate based on credit history, offered to members with good credit Last Updated 10/29/2026 Rate History No change since Oct 19, 2026 · 7.50% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.45%
Large RV Loans	-	7.74%	84 Months
Details Travel Trailer, Motorhome, Fifth Wheel RVs; 2022-2026; APR effective October 1, 2025 and subject to change without notice; rate based on credit history, offered to members with good credit; down payment requirements may apply Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 7.74% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.45%
Large RV Loans	-	7.75%	120 Months
Details Travel Trailer, Motorhome, Fifth Wheel RVs; 2022-2026; APR effective October 1, 2025 and subject to change without notice; rate based on credit history, offered to members with good credit; down payment requirements may apply Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 7.75% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.45%

Sovita Credit Union Credit Card Rates

Product	Rate	APR
Non-Variable Rate VISA Program	-	8.90%
Details Low or No Annual Fee; APR for Purchases: 8.9%, 11.9% or 13.9% based on credit; APR for Balance Transfers: 8.9%, 11.9% or 13.9% based on credit; APR for Cash Advances: 8.9%, 11.9% or 13.9% based on credit; Annual Fee: $9 (waived if you qualify for 8.9% APR or have a direct deposit relationship); Foreign Transaction Fee: 1% of each transaction in US Dollars; Late Payment Fee: Up to $15 Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 8.90% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.45%
Sovita REWARDS VISA Credit Card	-	13.40%
Details APR range: 13.40%, 19.40% or 21.40% based on creditworthiness; Regular APR for Purchases, Balance Transfers and Cash Advances; varies with the market based on the Prime Rate; Annual Fee:; Earn 1% cash back on purchase transactions Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 13.40% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.45%

Sovita Credit Union Other Rates

Product	Rate	Points	APY/APR	Term
Real Estate Equity - 80% LTV Loan	-	-	5.50%	36 Months
Details Home Equity; Real Estate Equity - 80% LTV; Annual Percentage Rate Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 5.50% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.45%
Real Estate Equity - 80% LTV Loan	-	-	5.75%	60 Months
Details Home Equity; Real Estate Equity - 80% LTV; Annual Percentage Rate Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 5.75% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.45%
Real Estate Equity - 80% LTV Loan	-	-	6.00%	84 Months
Details Home Equity; Real Estate Equity - 80% LTV; Annual Percentage Rate Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 6.00% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.45%
Real Estate Equity - 80% LTV Loan	-	-	6.25%	120 Months
Details Home Equity; Real Estate Equity - 80% LTV; Annual Percentage Rate Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 6.25% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.45%
Real Estate Equity Loan	-	-	5.50%
Details As Low As; Personal Loans; Annual Percentage Rate (APR) available as of May 4, 2026; subject to change without notice Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 5.50% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.45%
Business Hi-Fi Account	2.10%	-	2.10%
Min Deposit $10,000 Details Minimum deposit required to open the account and to obtain the stated APY; rates may change on a weekly basis Last Updated 10/29/2026 Rate History 2 changes since Sep 14, 2026 · 1.90% → 2.10% ▲ 0.20 pts · high 2.10% / low 1.90% Oct 9, 20262.10%▲ from 2.00% Sep 29, 20262.00%▲ from 1.90% Sep 14, 20261.90%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.45%
Hi FI	2.10%	-	2.10%
Min Deposit $2,500 Details Annual Interest Rate (AIR) 2.10% Last Updated 10/29/2026 Rate History 2 changes since Sep 14, 2026 · 1.90% → 2.10% ▲ 0.20 pts · high 2.10% / low 1.90% Oct 9, 20262.10%▲ from 2.00% Sep 29, 20262.00%▲ from 1.90% Sep 14, 20261.90%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.45%
Hi-Fi Account	-	-	2.10%
Details Annual Percentage Yield Last Updated 10/29/2026 Rate History 2 changes since Sep 14, 2026 · 1.90% → 2.10% ▲ 0.20 pts · high 2.10% / low 1.90% Oct 9, 20262.10%▲ from 2.00% Sep 29, 20262.00%▲ from 1.90% Sep 14, 20261.90%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.45%
IRA	0.30%	-	0.30%
Details Annual Interest Rate (AIR) 0.30% Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 0.30% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.45%

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Financial Health History

Sovita Credit Union’s Texas Ratio stayed near 0.35% in Q3 2023 to 0.45% in Q2 2026, so its financial health has stayed very strong over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. Lower Texas Ratios are healthier — this credit union’s entire history sits far below the 15% threshold for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures.

Swipe the chart sideways to see every quarter.

Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade

How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops.

Show the quarterly figures

Quarter	Total assets	Texas Ratio	Star Rating	Health Grade
June 30, 2026	$592M	0.45%	5.0	A+
March 31, 2026	$587M	0.44%	5.0	A+
December 31, 2025	$576M	0.20%	5.0	A+
September 30, 2025	$563M	0.36%	5.0	A+
June 30, 2025	$557M	0.49%	5.0	A+
March 31, 2025	$552M	0.49%	5.0	A+
December 31, 2024	$530M	0.35%	5.0	A+
September 30, 2024	$526M	0.34%	5.0	A+
June 30, 2024	$520M	0.35%	5.0	A+
March 31, 2024	$515M	0.36%	5.0	A+
December 31, 2023	$509M	0.43%	5.0	A+
September 30, 2023	$507M	0.35%	5.0	A+

Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.

Methodology & Data Sources

MonitorBankRates 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 50

Part-Time Employees 29

Branch Locations 5

ATM Locations 3

NCUA Insured ✓ Yes, up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A+ (100/100)

Texas Ratio

0.45%

Return on Assets (ROA)

0.5539%

Return on Equity (ROE)

3.4414%

Non-Performing Loans Ratio (NPL)

0.31%

Total Assets

591,951,234

Total Amount of Shares and Deposits

501,301,131

Total Shares and Deposits < 1 Year

477,663,023

Total Shares and Deposits 1 3 Years

23,638,107

Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)

25,025,787

Total Uninsured Shares and Deposits > $250K (F+J)

25,025,787

Total Insured Shares and Deposits > $250K (item 17 less item K)

476,275,344

Total Interest Expense (Sum of items 6 8)

3,882,711

Share Certificates

3,206

Number of Accounts for Share Drafts

12,851

IRA KEOGH Accounts

528

Number of Accounts for Regular Shares

22,453

All other shares

148

Money Market Shares

4,298

Net Worth Classification if credit union is not new (Based upon Call Report data only See instructions)

Well Capitalized

Net Worth Classification if credit union is a new credit union

Well Capitalized

Total Cash on Deposit (Amounts Deposited in Financial Institutions)

57,388,491

Total Liabilities

503,898,024

Source: NCUA — Last Updated 06/30/2026

2026 MBR Health & Safety Badge

Sovita Credit Union earned the Verified Healthy badge

Display this badge on your website to show visitors your 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.

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Learn more about the MBR Health & Safety Badge program on our methodology page.

Customer Reviews

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Average Rating

☆☆☆☆☆

Total Reviews

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Frequently Asked Questions About Sovita Credit Union

Does Sovita Credit Union offer CDs?

Yes. Sovita Credit Union current CD rates include its 12 Month CD of Deposit at 3.88% APY, its CD of Deposit - 12 month at 3.88% APY and its CD of Deposit - 18 month at 3.80% APY, verified by MonitorBankRates as of October 29, 2026.

Are CDs from Sovita Credit Union NCUA insured?

Yes. Sovita Credit Union is insured by the National Credit Union Administration (NCUA), so CDs opened there are insured up to $250,000 per depositor, per ownership category.

What is the highest CD rate at Sovita Credit Union?

The highest Sovita Credit Union CD rate is its Business CD of Deposit - 182 Days at 3.95% APY, verified by MonitorBankRates as of October 29, 2026.

What CD terms does Sovita Credit Union offer?

Sovita Credit Union CD rates are 3.88% APY for a 12 month CD, 3.80% APY for an 18 month CD, 3.80% APY for a 2 year CD and 3.80% APY for a 30 month CD, verified by MonitorBankRates as of October 29, 2026. The institution may offer other terms or specials that are not listed here, so check with Sovita Credit Union for its full lineup.

What is the highest savings rate at Sovita Credit Union?

The highest Sovita Credit Union savings rate is its Savings Account at 0.30% APY, verified by MonitorBankRates as of October 29, 2026.

What is the highest checking rate at Sovita Credit Union?

The highest Sovita Credit Union checking rate is its Business Checking at 0.05% APY, verified by MonitorBankRates as of October 29, 2026.

What is the lowest auto loan rate at Sovita Credit Union?

The lowest Sovita Credit Union auto loan rate is its 2025-2026 Auto/Truck Loan at 3.75% APR, verified by MonitorBankRates as of October 29, 2026.

What is the lowest credit card APR at Sovita Credit Union?

The lowest Sovita Credit Union credit card APR is its Non-Variable Rate VISA Program Credit Card at 8.90% APR, verified by MonitorBankRates as of October 29, 2026.

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.

Are all CD rates listed on MonitorBankRates federally insured?

Most are. Banks are insured by the FDIC and most credit unions by the NCUA, up to $250,000 per depositor, per ownership category. A small number of credit unions are privately insured instead, and we label them on their pages. MonitorBankRates is not a bank or credit union; deposit insurance comes from the institution where you open the account.

I want to open a CD with an institution listed on MonitorBankRates. How do I open the account?

You open the account directly with the bank or credit union. Use the View button next to a rate to go to the institution's website, then apply online, by phone or at a branch. Credit unions require membership, so you may need to join first. Confirm the current rate and terms with the institution before you deposit.

If I open a CD I found on MonitorBankRates, is my account with MonitorBankRates or the institution?

Your account is with the financial institution. MonitorBankRates is a rate comparison site; we do not open accounts, hold deposits or handle your money.

Why are some CD offers not available for me to open?

Some offers are limited to certain states or local areas, require membership in the credit union, need a minimum deposit, or were promotions that have since ended. Rates can also change after we verify them. The institution's website has the current eligibility rules.

How do Sovita Credit Union rates compare?

Sovita Credit Union's CD rates are 31% higher than the MonitorBankRates national average, and it has an A+ health rating. Sovita Credit Union's top rates are its Business CD of Deposit - 182 Days at 3.95% APY, its Savings Account at 0.30% APY, its Business Checking at 0.05% APY, its 2025-2026 Auto/Truck Loan at 3.75% APR and its Non-Variable Rate VISA Program Credit Card at 8.90% APR, verified by MonitorBankRates on October 29, 2026.

Current Sovita Credit Union Rates

12-Month CD3.88%
18-Month CD3.80%
24-Month CD3.80%
Savings0.30%

Retrieved from our database of financial products. Rates subject to change.

Compare to Other Credit Unions

Sovita Credit Union Rates & Review November 2026

Brian McKay

Overall Health & Safety Grade

MonitorBankRates Star Rating

Sovita Credit Union Texas Ratio

Sovita Credit Union Health Trend

Sovita Credit Union CD Rates

Sovita Credit Union Business CD Rates

Sovita Credit Union Savings Rates

Sovita Credit Union Business Savings Rates

Sovita Credit Union Checking Rates

Sovita Credit Union Business Checking Rates

Sovita Credit Union Home Equity & HELOC

Sovita Credit Union Auto Loan Rates

Sovita Credit Union RV, Boat and Powersport Loan Rates

Sovita Credit Union Credit Card Rates

Sovita Credit Union Other Rates

Financial Health History

Methodology & Data Sources

Credit Union Profile & Overview

Financials

Sovita Credit Union earned the Verified Healthy badge

Customer Reviews

Frequently Asked Questions About Sovita Credit Union

Does Sovita Credit Union offer CDs?

Are CDs from Sovita Credit Union NCUA insured?

What is the highest CD rate at Sovita Credit Union?

What CD terms does Sovita Credit Union offer?

What is the highest savings rate at Sovita Credit Union?

What is the highest checking rate at Sovita Credit Union?

What is the lowest auto loan rate at Sovita Credit Union?

What is the lowest credit card APR at Sovita Credit Union?

How many branches does Sovita Credit Union operate?

Is a member application needed to join Sovita Credit Union?

Is there a first-time homebuyer program?

Are credit management and repair services offered?

Does Sovita Credit Union offer online and mobile banking?

Are all CD rates listed on MonitorBankRates federally insured?

I want to open a CD with an institution listed on MonitorBankRates. How do I open the account?

If I open a CD I found on MonitorBankRates, is my account with MonitorBankRates or the institution?

Why are some CD offers not available for me to open?

How do Sovita Credit Union rates compare?

Current Sovita Credit Union Rates

Compare to Other Credit Unions