--- title: "Sovita Credit Union Rates - Michigan" description: "Current savings & cd rates from Sovita Credit Union in Michigan. Updated daily with source verification. See who can join Sovita Credit Union — verified membership eligibility with the requirements and cost to join." canonical: "https://rateapi.dev/credit-unions/michigan/sovita" last-updated: "2026-11-13" source: "https://rateapi.dev/llms.txt" --- # Sovita Credit Union Rates - Michigan ### Savings & CD rates 13 offers | Product | Published | Rate | Term / condition | Status | | **Share Draft Account** checking | — APY | 0.05% | — | Standard | | **Savings** share_savings | — APY | 0.30% | — | Standard | | **Business Share** savings | — APY | 0.30% | — | Eligibility restricted | | **Business Hi-Fi Account** savings | — APY | 2.10% | — | Eligibility restricted | | **HI-FI Account*** savings | — APY | 2.10% | — | Standard | | **91 Days** savings | — APY | 2.50% | — | Standard | | **18-Month Certificate** cd_18mo | — APY | 3.80% | 18 mo | Standard | | **Certificate** cd | — APY | 3.88% | — | Standard | | **12-Month Certificate** cd_12mo | — APY | 3.88% | 12 mo | Standard | | **24-Month Certificate** cd_24mo | — APY | 3.90% | 24 mo | Standard | | **182 Days** savings | — APY | 3.95% | — | Standard | | **30-Month Certificate** cd_30mo | — APY | 3.95% | 30 mo | Standard | | **36-Month Certificate** cd_36mo | — APY | 4.00% | 36 mo | Standard | Sovita Credit Union savings & cd rates as of November 12, 2026 Sovita Credit Union is a credit union in Michigan. Rate data is being verified. > Source: [RateAPI.dev](https://rateapi.dev/credit-unions/michigan/sovita) , verified from [Sovita Credit Union's official website](https://www.sovitacu.org/) Loading branch locator… ## About Sovita Credit Union Institution facts reported to the National Credit Union Administration for Invalid Date. Members 17.8K Assets $587.2M Founded 1934 Locations reported 5 NCUA charter 60666 Charter type Federally insured state-chartered credit union ### Services and member support - Online membership application - Online loan application - Open an account online - Electronic statements - Mobile check deposit - Mobile payments Source: [NCUA quarterly call report](https://ncua.gov/analysis/credit-union-corporate-call-report-data/quarterly-data) . Services are institution-reported; confirm availability with the credit union. ### Other credit unions with branches nearby Compare membership, services, and rates from other institutions with an NCUA-reported branch nearby. [**Financial Plus** FPCU - Corunna Road Branch · Flint · MI · 48532-4107 About 0.9 miles away](https://rateapi.dev/credit-unions/michigan/financial-plus) [**Elga** Flint VG's · Flint · MI · 48532-4190 About 1.2 miles away](https://rateapi.dev/credit-unions/michigan/elga) [**Security** Linden Road Office · Flint · MI · 48532 About 1.8 miles away](https://rateapi.dev/credit-unions/michigan/security) [**Dort Financial** SWARTZCREEK BRANCH · SWARTZ CREEK · MI · 48473-7900 About 3.5 miles away](https://rateapi.dev/credit-unions/michigan/dort-financial) [**Chattanooga First** Fiserv OnCU · Flint · MI · 48507-3471 About 4.4 miles away](https://rateapi.dev/credit-unions/tennessee/chattanooga-first) [**Cumberland Municipal Employees** fiserv ONCU · Flint · MI · 48507-3471 About 4.4 miles away](https://rateapi.dev/credit-unions/rhode-island/cumberland-municipal-employees) Nearest-first estimates use the center of your Census ZIP area and NCUA-reported branch locations. Distances are straight-line estimates, not driving distance. ## Who Can Join Sovita Credit Union Membership eligibility from Sovita Credit Union's own published criteria. [How we verify this](https://rateapi.dev/eligibility-methodology) . Membership criteria are published on Sovita Credit Union's website. Check the membership page below to confirm whether you qualify. - Employer any educational institution in all Counties of the State of Michigan, any healthcare facility or provider in all Counties of the State of Michigan, Flint Public Library and libraries in the Counties of Genesee, Lapeer, Livingston, Oakland or Shiawassee County, CS Mott Foundation, Flint, Michigan and foundations in the Counties of Genesee, Lapeer, Livingston, Oakland or Shiawassee County, Flint Cultural Center, Flint, Michigan, independent contractor that has a contractual relationship with an educational institution or other organization authorized in the bullet points listed above, any healthcare facility or provider, Flint Public Library, CS Mott Foundation, Flint Cultural Center Verified from [Sovita Credit Union's membership page](https://www.sovitacu.org/about/membership-eligibility) . Final membership determination is always made by the credit union. ## Membership rules for Sovita Credit Union Employers 14 · Family 2 16 published paths to membership, last verified August 27, 2026, quoted from Sovita Credit Union’s own published criteria. ### Employers 14 Auto-verified against the source page quoted from the credit union’s own published criteria · last verified August 27, 2026 - Employee of any educational institution in all Counties of the State of Michigan “Persons who are presently, or were formerly, employed or under contract with any educational institution in all Counties of the State of Michigan.” > [source ↗](https://www.sovitacu.org/about/membership-eligibility) - Employee of any educational institution in all Counties of the State of Michigan - Employee of any healthcare facility or provider in all Counties of the State of Michigan (as written on the source page) “Persons who are presently, or were formerly, employed or under contract with any healthcare facility or provider in all Counties of the State of Michigan.” > [source ↗](https://www.sovitacu.org/about/membership-eligibility) - Employee of any healthcare facility or provider in all Counties of the State of Michigan - Employee of Flint Public Library “Persons who are presently, or were formerly, employed or under contract with the Flint Public Library and libraries in the Counties of Genesee, Lapeer, Livingston, Oakland or Shiawassee County.” > [source ↗](https://www.sovitacu.org/about/membership-eligibility) - Employee of Flint Public Library - Employee of CS Mott Foundation “Persons who are presently, or were formerly, employed or under contract with the CS Mott Foundation, Flint, Michigan and foundations in the Counties of Genesee, Lapeer, Livingston, Oakland or Shiawassee County.” > [source ↗](https://www.sovitacu.org/about/membership-eligibility) - Employee of CS Mott Foundation - Employee of Flint Cultural Center, Flint, Michigan “Persons who are presently, or were formerly, employed or under contract with the Flint Cultural Center, Flint, Michigan.” > [source ↗](https://www.sovitacu.org/about/membership-eligibility) - Employee of Flint Cultural Center, Flint, Michigan - Employee of above “An employee of an independent contractor that has a contractual relationship with an educational institution or other organization authorized in the bullet points listed above, and who are assigned to work positions at the institution or organization.” > [source ↗](https://www.sovitacu.org/about/membership-eligibility) - Employee of above - Belongs to any educational institution (as written on the source page) “Persons who are presently, or were formerly, employed or under contract with any educational institution in all Counties of the State of Michigan.” > [source ↗](https://www.sovitacu.org/about/membership-eligibility) - Employee of any educational institution (class, not a named organization) - Belongs to any educational institution (as written on the source page) “Persons who are presently, or were formerly, employed or under contract with any educational institution in all Counties of the State of Michigan.” > [source ↗](https://www.sovitacu.org/about/membership-eligibility) - Contractor for any educational institution (class, not a named organization) - Employee of healthcare “Persons who are presently, or were formerly, employed or under contract with any healthcare facility or provider in all Counties of the State of Michigan.” > [source ↗](https://www.sovitacu.org/about/membership-eligibility) - Employee of healthcare - Contractor of healthcare “Persons who are presently, or were formerly, employed or under contract with any healthcare facility or provider in all Counties of the State of Michigan.” > [source ↗](https://www.sovitacu.org/about/membership-eligibility) - Contractor for healthcare - Contractor of Flint Public Library “Persons who are presently, or were formerly, employed or under contract with the Flint Public Library and libraries in the Counties of Genesee, Lapeer, Livingston, Oakland or Shiawassee County.” > [source ↗](https://www.sovitacu.org/about/membership-eligibility) - Contractor for Flint Public Library - Contractor of CS Mott Foundation “Persons who are presently, or were formerly, employed or under contract with the CS Mott Foundation, Flint, Michigan and foundations in the Counties of Genesee, Lapeer, Livingston, Oakland or Shiawassee County.” > [source ↗](https://www.sovitacu.org/about/membership-eligibility) - Contractor for CS Mott Foundation - Employee of Flint Cultural Center “Persons who are presently, or were formerly, employed or under contract with the Flint Cultural Center, Flint, Michigan.” > [source ↗](https://www.sovitacu.org/about/membership-eligibility) - Employee of Flint Cultural Center - Contractor of Flint Cultural Center “Persons who are presently, or were formerly, employed or under contract with the Flint Cultural Center, Flint, Michigan.” > [source ↗](https://www.sovitacu.org/about/membership-eligibility) - Contractor for Flint Cultural Center ### Family 2 Auto-verified against the source page quoted from the credit union’s own published criteria · last verified August 27, 2026 - Family of a member spouse, mother, father, brother, sister, child, grandparent, grandchild “Immediate family members (spouse, mother, father, brother, sister, child, grandparent or grandchild) of the above-mentioned.” > [source ↗](https://www.sovitacu.org/about/membership-eligibility) - Family member (spouse, mother, father, brother, sister, child, grandparent, grandchild) of a member - Family of a member spouse, parent, sibling, child, grandparent, grandchild “Immediate family members (spouse, mother, father, brother, sister, child, grandparent or grandchild) of the above-mentioned.” > [source ↗](https://www.sovitacu.org/about/membership-eligibility) - Family member (spouse, parent, sibling, child, grandparent, grandchild) of a member Every rule cites the exact sentence it came from; absence of evidence means unknown, never no. [How we verify membership rules](https://rateapi.dev/eligibility-methodology) . Final membership determination is always made by the credit union. Is this right for Sovita Credit Union? Yes No ## Work at Sovita Credit Union? This page is seen by prospective members comparing rates — and by the AI assistants they ask. Claim this profile to correct or update rates, add missing products, and get your free rate scorecard showing where Sovita Credit Union ranks against Michigan peers. - See which AI assistants fetched Sovita Credit Union’s rates, and how often - See which of your products the RateAPI API returned, and where you rank in Michigan - Correct anything we publish about you that is wrong [Claim this credit union](https://rateapi.dev/for-credit-unions/claim?cu=sovita&state=michigan&code=MI&name=Sovita%20Credit%20Union) [How scorecards work](https://rateapi.dev/for-credit-unions) ## Frequently Asked Questions ### What rates does Sovita Credit Union offer? Sovita Credit Union is a credit union in Michigan. Rate data is currently being verified. ### How often are Sovita Credit Union rates updated? RateAPI verifies Sovita Credit Union's rates daily by scraping its official website, then normalizing the data. The figures on this page were last verified November 12, 2026. ### Where does RateAPI get Sovita Credit Union's rate data? Rate data is collected directly from Sovita Credit Union's official website. RateAPI has no pay-to-rank incentives; see the methodology page for how rates are collected and normalized. ### Who can join Sovita Credit Union? Sovita Credit Union publishes its membership criteria on its own website. RateAPI tracks 16 published membership paths covering 14 employers for Sovita Credit Union, each quoted from Sovita Credit Union's own published membership criteria. Immediate family of an existing member also qualify. ## Related Rate Data Compare Sovita Credit Union's rates against national credit-union benchmarks. [More Michigan credit unions](https://rateapi.dev/credit-unions/michigan) [How we verify rates](https://rateapi.dev/methodology) ### Source Information Rate data is scraped directly from the credit union's official website and verified daily by our automated systems. [View Original Source](https://www.sovitacu.org/) ### Methodology Learn how we collect, normalize, and verify rate data with full transparency and no pay-to-rank incentives. [View Methodology](https://rateapi.dev/methodology) ## Track Sovita Credit Union rates Get a free API key to query these rates programmatically, or get the daily email when Michigan credit union rates move. Get a free API key [Daily rate email](https://rateapi.dev/daily-rate-emails) ## Use it via API Access this data programmatically with our REST API terminal ``` # Get rates for Sovita Credit Union curl "https://api.rateapi.dev/credit-unions/michigan /sovita " \ -H "Authorization : Bearer YOUR_API_KEY" ``` [Explore API Documentation](https://api.rateapi.dev/) [Use with Claude](https://rateapi.dev/#mcp) Branch locator ## Sovita Credit Union locations Search, filter, and browse all 5 NCUA-reported locations. Use my location Search branches Apply Sort near a ZIP **Loading branches…** Branch services ATM Drive-through Member services Shared branch Skip to main content --- Source: https://rateapi.dev/credit-unions/michigan/sovita Rate data API: https://api.rateapi.dev · OpenAPI: https://api.rateapi.dev/openapi.json · MCP: https://mcp.rateapi.dev/mcp