Credit union · NCUA insured
Sovita Credit Union Auto Loan Rates
Top CarrotSovita Credit Union auto loans start at 4.70% APR for a new vehicle and 4.70% for a used one. Rates checked October 16, 2026.
How Sovita Credit Union’s auto loan rates compare
Compared with banks and credit unions near Flint, MI, where Sovita Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Sovita Credit Union
4.70%APR
- Terms
- up to 60 months
Auto/Truck
2nd-lowest rate
Credit Union ONE
4.99%APR
- Terms
- up to 60 months
3rd-lowest rate
Genisys Credit Union
4.99%APR
- Terms
- up to 60 months
Sovita Credit Union auto loan score
88
Auto loan score
Higher than 83% of U.S. banks and credit unions
- New vehicleNew4.70%
- Used vehicleUsed4.70%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Sovita Credit Union ranks
By auto loan score, in each area where it has branches
Every rate
Current auto loan rates
Rates from the credit union’s website. Most are “as low as” rates for the best credit; yours depends on your credit, the term and the vehicle.
Auto/Truck
Loans currently held by Sovita Credit Union may not be refinanced under this offer. All loans are subject to credit approval. Rates shown are offered to members with good credit; members with less satisfactory credit may qualify at a higher interest rate.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 3.75% | 2025-2026 Auto/Truck. Offered to members with good credit. Estimated monthly payment $29.42 per $1,000 borrowed. |
| up to 48 months | 4.70% | 2025-2026 Auto/Truck. Offered to members with good credit. Estimated monthly payment $22.90 per $1,000 borrowed. |
| up to 60 months | 4.70% | 2025-2026 Auto/Truck. Offered to members with good credit. Estimated monthly payment $18.74 per $1,000 borrowed. |
| up to 72 months | 5.25% | 2025-2026 Auto/Truck. Offered to members with good credit. Estimated monthly payment $16.09 per $1,000 borrowed. |
| up to 48 months | 4.75% | 2022-2024 Auto/Truck. Offered to members with good credit. Estimated monthly payment $22.92 per $1,000 borrowed. |
| up to 60 months | 5.00% | 2022-2024 Auto/Truck. Offered to members with good credit. Estimated monthly payment $18.88 per $1,000 borrowed. |
| up to 48 months | 5.50% | 2019 Auto/Truck. Must have fewer than 150,000 miles. Offered to members with good credit. Estimated monthly payment $23.26 per $1,000 borrowed. |
| up to 60 months | 5.50% | 2019 Auto/Truck. Must have fewer than 150,000 miles. Offered to members with good credit. Estimated monthly payment $19.10 per $1,000 borrowed. |
| up to 30 months | 5.50% | 2018 Auto/Truck. Offered to members with good credit. Estimated monthly payment $35.75 per $1,000 borrowed. |
| up to 36 months | 5.50% | 2018 Auto/Truck. Offered to members with good credit. Estimated monthly payment $30.20 per $1,000 borrowed. |
| up to 42 months | 5.50% | 2018 Auto/Truck. Offered to members with good credit. Estimated monthly payment $26.23 per $1,000 borrowed. |
Sources (2)
All captured Oct 7, 2026
Who can join Sovita Credit Union
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.
Membership information collected October 5, 2026.