Credit union · NCUA insured
Sovita Credit Union CD Rates
Top CarrotSovita Credit Union’s best CD rate is 3.95% APY on a 6-month share certificate (CD). Terms run from 3 months to 3 years. Rates checked October 16, 2026.
How Sovita Credit Union’s CD rates compare
Compared with banks and credit unions near Flint, MI, where Sovita Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Sovita Credit Union
3.95%APY
- Term
- 6 months
- Requires
- None
- Minimum
- $2,500
- Earns on $10,000
- $196
Certificate of Deposit
Top rate
Dort Financial Credit Union
5.00%APY
- Term
- 11 months
- Requires
- Another account
- Minimum
- $5,000
- Earns on $10,000
- $457
2nd-highest rate
Genisys Credit Union
4.50%APY
- Term
- 25 months
- Requires
- None
- Minimum
- $500
- Earns on $10,000
- $960
Sovita Credit Union CD score
87
CD score
Higher than 78% of U.S. banks and credit unions
- 3–8 months3–8 mo3.95%
- 9–15 months9–15 mo3.94%
- 16–30 months16–30 mo3.85%
- 31–60 months31–60 mo3.85%
- QualifiedQualified3.95%
Each track runs from the lowest to the highest rate among U.S. banks and credit unions; the dot is this rate.Qualified: needs another account or monthly activity.
Where Sovita Credit Union ranks
By CD score, in each area where it has branches
Every rate
Current CD rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
Certificate of Deposit
Up to 3.95%APY · 7 terms
Fixed rates for the term of the certificate. Penalty may be imposed for early withdrawal. Rates may change weekly.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 monthsDuration: 91 Days. Interest paid at maturity or monthly | 2.35% | $58 |
| 6 monthsDuration: 182 Days. Interest paid at maturity or monthly | 3.95% | $196 |
| 12 monthsDuration: 12 Months. Interest paid & compounded quarterly | 3.94% | $394 |
| 12 monthsDuration: 12 Months. Interest paid monthly or quarterly | 3.88% | $388 |
| 18 monthsDuration: 18 Months. Interest paid & compounded quarterly | 3.85% | $583 |
| 18 monthsDuration: 18 Months. Interest paid monthly or quarterly | 3.80% | $575 |
| 24 monthsDuration: 24 Months. Interest paid & compounded quarterly | 3.85% | $785 |
| 24 monthsDuration: 24 Months. Interest paid monthly or quarterly | 3.80% | $774 |
| 30 monthsDuration: 30 Months. Interest paid & compounded quarterly | 3.85% | $990 |
| 30 monthsDuration: 30 Months. Interest paid monthly or quarterly | 3.80% | $977 |
| 36 monthsDuration: 36 Months. Interest paid & compounded quarterly | 3.85% | $1,200 |
| 36 monthsDuration: 36 Months. Interest paid monthly or quarterly | 3.80% | $1,184 |
Sources (3)
- sovitacu.org
- sovitacu.org/personal-banking/…sonal-investment-options
- sovitacu.org/personal-banking/…s/personal-savings-rates
All captured Oct 5, 2026
Special-purpose accounts
IRA Certificate of Deposit
Up to 3.94%APY · 5 terms
Fixed rates for the term of the certificate. Penalty may be imposed for early withdrawal. Rates may change weekly.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 monthsDuration: 12 Months. Interest paid & compounded quarterly | 3.94% | $394 |
| 12 monthsDuration: 12 Months. Interest paid monthly or quarterly | 3.88% | $388 |
| 18 monthsDuration: 18 Months. Interest paid & compounded quarterly | 3.85% | $583 |
| 18 monthsDuration: 18 Months. Interest paid monthly or quarterly | 3.80% | $575 |
| 24 monthsDuration: 24 Months. Interest paid & compounded quarterly | 3.85% | $785 |
| 24 monthsDuration: 24 Months. Interest paid monthly or quarterly | 3.80% | $774 |
| 30 monthsDuration: 30 months. Interest paid & compounded quarterly | 3.85% | $990 |
| 30 monthsDuration: 30 months. Interest paid monthly or quarterly | 3.80% | $977 |
| 36 monthsDuration: 36 Months. Interest paid & compounded quarterly | 3.85% | $1,200 |
| 36 monthsDuration: 36 Months. Interest paid monthly or quarterly | 3.80% | $1,184 |
Sources (2)
- sovitacu.org/personal-banking/…sonal-investment-options
- sovitacu.org/personal-banking/…s/personal-savings-rates
All captured Oct 5, 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.