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Advertiser Disclosure
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 Sovita Credit Union Rates & Review October 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 and Verified: October 9, 2026
Sovita Credit Union's top rates as of October 9, 2026 are 3.95% APY on its CD of Deposit - 182 Days Regular, 0.30% APY on savings, 0.05% APY on checking, auto loans from 3.75% APR, and credit cards from 8.90% APR, according to rates verified by MonitorBankRates. Other Sovita Credit Union CD rates include 12 Month CD of Deposit at 3.88%, CD of Deposit - 12 month Regular & IRA at 3.88%, and CD of Deposit - 18 month Regular & IRA at 3.80%. 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 10/09/2026. 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. 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
Sovita Credit Union Savings 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 HistorySovita 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
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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
Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.
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
50
Part-Time Employees
29
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
0.45%
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
Customer Reviews
There are no reviews for Sovita Credit Union yet. Feel free to create one below.
Looking for more bank and credit union reviews?
Visit our Community Reviews hub to read what other members are saying, ask questions, and join the conversation.
Add Your Rating and Review for Sovita Credit Union
Frequently Asked Questions About Sovita Credit UnionHow 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. Current Sovita Credit Union Rates
Retrieved from our database of financial products. Rates subject to change.
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