Credit union · NCUA insured
Sovita Credit Union Credit Card Rates
Top CarrotSovita Credit Union credit cards start at 8.90% APR on purchases, after any introductory rate. Rates checked October 16, 2026.
How Sovita Credit Union’s credit card rates compare
Compared with banks and credit unions near Flint, MI, where Sovita Credit Union has the most branches. Ongoing purchase APR, lowest first.
This credit union’s lowest
Sovita Credit Union
8.90%APR
- Annual fee
- $9
Non-Variable Rate VISA Program
Lowest rate
Security Credit Union
8.90%APR
- Annual fee
- None
3rd-lowest rate
Frankenmuth Credit Union
8.99%APR
- Annual fee
- None
Sovita Credit Union credit card score
88
Credit card score
Higher than 81% of U.S. banks and credit unions
- Purchase APRPurchase APR8.90%
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 credit card score, in each area where it has branches
Every rate
Current credit card rates
Rates from the credit union’s website. Most are “as low as” rates for the best credit; yours depends on your credit.
Non-Variable Rate VISA Program
The $9 annual fee will be waived if you qualify for the 8.9% APR or have a direct deposit relationship with Sovita Credit Union.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 8.90% | $9 | Rate based on credit. Annual fee waived if you qualify for 8.9% APR or have a direct deposit relationship. |
| Ongoing | 11.90% | $9 | Rate based on credit. Annual fee waived if you have a direct deposit relationship. |
| Ongoing | 13.90% | $9 | Rate based on credit. Annual fee waived if you have a direct deposit relationship. |
Sources (1)
- sovitacu.org/personal-banking/…riable-rate-visa-program · captured Oct 16, 2026
Variable Rate Rewards Program
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 13.40% | None | Based on creditworthiness. Variable APR based on the Prime Rate. |
| Ongoing | 19.40% | None | Based on creditworthiness. Variable APR based on the Prime Rate. |
| Ongoing | 21.40% | None | Based on creditworthiness. Variable APR based on the Prime Rate. |
Sources (1)
- sovitacu.org/personal-banking/…ble-rate-rewards-program · captured Oct 16, 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This may be incomplete or out of date, so check with the credit union before you apply.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.