Overview / Commentary
800-369-2786
4411 Calkins Rd
Flint, MI 48532

Sovita Credit Union is headquartered in Flint and is the 36th largest credit union in the state of Michigan. It is also the 637th largest credit union in the nation. It was established in 1934 and as of March of 2018, it had grown to 47 employees and 19,512 members at 5 locations. Sovita Credit Union's CD rates are 96% higher than the national average, and it has an A health rating.

Field of Membership Restrictions

Membership in Sovita Credit Union is open to the following: 1) employees and retirees of an education institution, healthcare facility, or library in Genesee, Lapeer, Livingston, Oakland or Shiawassee Counties in Michigan; 2) employees or retirees of the Mott Children’s Health Center, CS Mott Foundation or Flint Cultural Center; 3) employees or retirees of any education institution in Michigan and currently live in Genesee, Lapeer, Livingston, Oakland or Shiawassee Counties; 4) immediate family of current members.
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Health

Health Grade Components

Overall
NCUA #60666
Year Chartered1934
Employees47
Primary Regulator
Profit Margin
Return on Assets - YTD0.81%
Return on Equity - YTD5.72%
Annual Interest Income$2.3MM
Assets and Liabilities
AssetsQ1 2018vs Q1 2017$413.9MM$406.3MM
LoansQ1 2018vs Q1 2017$98.1MM$87.2MM
DepositsQ1 2018vs Q1 2017$354.1MM$345.0MM
Equity CapitalQ1 2018vs Q1 2017$57.6MM$58.5MM
Loan Loss AllowanceQ1 2018vs Q1 2017$638.00K$642.00K
Unbacked Noncurrent LoansQ1 2018vs Q1 2017$831.00K$634.00K
Real Estate OwnedQ1 2018vs Q1 2017$0$0
Rates
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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Sovita Credit Union Savings Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.35%*$2.5k*-HiFi Account
OTHER TIERS: 0.10% Up to $2,500
0.15%--Regular Shares
0.15%--Christmas Club
0.15%--Summer Check Club
0.15%--Mortgage Payment Club
0.15%--Super Club
0.15%--Loan Pledge Club
0.15%--IRA Savings
0.10%--HSA Share Draft Account

Sovita Credit Union Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.10%$100-Share Draft Account

Sovita Credit Union CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
2.18%$500-36 Month Interest Paid & Compounded Quarterly CD
2.16%$5k-36 Month Interest Paid Monthly CD
2.16%$500-36 Month Interest Paid Quarterly CD
2.14%$500-30 Month Interest Paid & Compounded Quarterly CD
2.12%$5k-30 Month Interest Paid Monthly CD
2.12%$500-30 Month Interest Paid Quarterly CD
2.04%$500-24 Month Interest Paid & Compounded Quarterly CD
2.03%$5k-24 Month Interest Paid Monthly CD
2.03%$500-24 Month Interest Paid Quarterly CD
1.93%$500-18 Month Interest Paid & Compounded Quarterly CD
1.92%$5k-18 Month Interest Paid Monthly CD
1.92%$500-18 Month Interest Paid Quarterly CD
1.76%$500-12 Month Interest Paid & Compounded Quarterly CD
1.75%$5k-12 Month Interest Paid Monthly CD
1.75%$500-12 Month Interest Paid Quarterly CD
1.50%$5k-182 Day Interest Paid Monthly CD
1.50%$2.5k-182 Day Interest Paid at Maturity CD
0.90%$5k-91 Day Interest Paid Monthly CD
0.90%$2.5k-91 Day Interest Paid at Maturity CD

Sovita Credit Union IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
2.18%$500-36 Month Interest Paid & Compounded Quarterly IRA
2.16%$5k-36 Month Interest Paid Monthly IRA
2.16%$500-36 Month Interest Paid Quarterly IRA
2.14%$500-30 Month Interest Paid & Compounded Quarterly IRA
2.12%$5k-30 Month Interest Paid Monthly IRA
2.12%$500-30 Month Interest Paid Quarterly IRA
2.04%$500-24 Month Interest Paid & Compounded Quarterly IRA
2.03%$5k-24 Month Interest Paid Monthly IRA
2.03%$500-24 Month Interest Paid Quarterly IRA
1.93%$500-18 Month Interest Paid & Compounded Quarterly IRA
1.92%$5k-18 Month Interest Paid Monthly IRA
1.92%$500-18 Month Interest Paid Quarterly IRA
1.76%$500-12 Month Interest Paid & Compounded Quarterly IRA
1.75%$5k-12 Month Interest Paid Monthly IRA
1.75%$500-12 Month Interest Paid Quarterly IRA
Locations


Sovita Credit Union Locations
Branch Office3400 Regency Park DrGrand Blanc, MI 48439
Branch Office1005 University AveFlint, MI 48504
Branch Office4411 Calkins RdFlint, MI 48532
Branch Office5399 E Court St NBurton, MI 48509
Branch Office168 N Saginaw StLapeer, MI 48446

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