Credit union · NCUA insured
Sovita Credit Union
Top CarrotA $587.2M credit union headquartered in Flint, MI, with 17,763 members and 5 branches in Michigan. Best rates: CDs 3.95% and savings 2.10% APY.
Sovita Credit Union Carrot Score
Carrot ScoreTop Carrot
Higher than 90% of U.S. banks and credit unions
#3 of 17 in Flint, MI metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About Sovita Credit Union
Sovita Credit Union has advanced the financial well-being of educators and their families for over 86 years and serves healthcare professionals and their families.
- Headquarters
- 4411 Calkins Rd, Flint, MI 48532
- NCUA charter
- 60666
Membership
Who can join
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Persons receiving a retirement annuity, pension, social security, or similar retirement payment who live in or belong to a retirement organization in the county of the main office or contiguous counties (Lapeer, Livingston, Oakland, Saginaw, or Shiawassee) are eligible for membership.
Employers and groups
- Employees of independent contractors that have a contractual relationship with an authorized educational institution or other qualifying organization, and who are assigned to work positions there, are eligible for membership.
- Persons who are presently or formerly employed or under contract with the Flint Cultural Center in Flint, Michigan are eligible for membership.
- Persons who are presently or formerly employed or under contract with the CS Mott Foundation in Flint, Michigan, and foundations in Genesee, Lapeer, Livingston, Oakland, or Shiawassee County are eligible for membership.
- Persons who are presently or formerly employed or under contract with any healthcare facility or provider in all Counties of the State of Michigan are eligible for membership.
Military, government and schools
- Persons who are presently or formerly employed or under contract with any educational institution in all Counties of the State of Michigan are eligible for membership.
2 more ways to join
Military, government and schools
- Persons who are presently or formerly employed or under contract with the Flint Public Library and libraries in Genesee, Lapeer, Livingston, Oakland, or Shiawassee County are eligible for membership.
Family and household
- Immediate family members (spouse, mother, father, brother, sister, child, grandparent, or grandchild) of eligible persons are eligible for membership.
Branches
5 branches in Michigan
Loading map…
Michigan
5 branches
Flint area · 4
- Calkins RdMain office4411 Calkins Rd, Flint, MI 48532Directions
- Court St5399 E Court St N, Burton, MI 48509Directions
- University Ave1005 University Ave, Flint, MI 48504Directions
- Regency Park3400 Regency Park Dr, Grand Blanc, MI 48439Directions
Detroit area · 1
- Lapeer168 N Saginaw St, Lapeer, MI 48446Directions
Walk-in offices from the NCUA directory as of March 31, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
| Measure | This credit union | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalNet worth ratio | 16.10% | 11.43% | 13.58% or more |
| Troubled loans60+ days late | 0.31% | 0.68% | 0.39% or less |
| ProfitabilityReturn on assets | 1.12% | 0.75% | 1.18% or more |
| LendingLoans per $100 deposited | $28 | $76 | — |
- CapitalNet worth ratio16.10%Peers’ middle 11.43% · Top 25% 13.58%+
- Troubled loans60+ days late0.31%Peers’ middle 0.68% · Top 25% ≤0.39%
- ProfitabilityReturn on assets1.12%Peers’ middle 0.75% · Top 25% 1.18%+
- LendingLoans per $100 deposited$28Peers’ middle $76
Compared with the 1,338 credit unions with $100 million to $1 billion in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are loans 60 or more days late.
Regulators’ own ratings of Sovita Credit Union are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.