Credit union · NCUA insured
Sovita Credit Union Savings Rates
Top CarrotSovita Credit Union’s best savings rate is 2.10% APY on $10,000, with its HI-FI Account. Rates checked October 16, 2026.
How Sovita Credit Union’s savings 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
2.10%APY
- Minimum
- $0
- Earns on $10,000 a year
- $210
HI-FI Account
Top rate
Flagstar Bank
4.00%APY
- Minimum
- $1
- Earns on $10,000 a year
- $400
2nd-highest rate
Credit Union ONE
3.30%APY
- Minimum
- $1,000
- Earns on $10,000 a year
- $330
Sovita Credit Union savings score
89
Savings score
Higher than 89% of U.S. banks and credit unions
- $1,000 balance$1,0000.30%
- $10,000 balance$10,0002.10%
- $100,000 balance$100,0002.10%
- QualifiedQualified2.10%
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 savings score, in each area where it has branches
Every rate
Current savings rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
HI-FI Account
2.10%APY
Deposit or withdraw in amounts of $100 or more. Dividends are calculated daily and deposited monthly. Interest rates are declared weekly and may vary.
| Balance | APY | Minimum | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|---|
| Up to $2,500Applies when balance dips below $2,500. · $0 to open | 0.05% | $0 | — | Applies when balance dips below $2,500. |
| $2,500 and upRequires a minimum balance of $2,500 to earn higher rate. · $2,500 to open | 2.10% | $2,500 | $210 | Requires a minimum balance of $2,500 to earn higher rate. |
Regular Share Savings
0.30%APY
A minimum of $5.00 is required to maintain the share account. No monthly maintenance fees. Dividends are declared quarterly.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $5 and upMinimum deposit required to open the account and to obtain the stated APY is $5.00.$5 and up | 0.30% | $30 | Minimum deposit required to open the account and to obtain the stated APY is $5.00. |
Sources (2)
- sovitacu.org/personal-banking/…s/personal-savings-rates
- sovitacu.org/personal-banking/…accounts/savings-account
All captured Oct 5, 2026
Special-purpose accounts
Christmas Club
0.30%APY
Opened under existing Regular Share Savings Account number. Dividends are declared quarterly and may be 0%.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceNo minimum deposit required to open or obtain stated APY.Any balance | 0.30% | $30 | No minimum deposit required to open or obtain stated APY. |
Sources (2)
- sovitacu.org/personal-banking/…g-accounts/club-accounts
- sovitacu.org/personal-banking/…s/personal-savings-rates
All captured Oct 5, 2026
IRA Savings
0.30%APY
Offers Traditional and Roth IRAs. Rates may change quarterly. Early withdrawal penalty may be imposed.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceNo minimum deposit required.Any balance | 0.30% | $30 | No minimum deposit required. |
Mortgage Payment Club
0.30%APY
Dividends are declared quarterly.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceNo minimum deposit required to open or obtain stated APY.Any balance | 0.30% | $30 | No minimum deposit required to open or obtain stated APY. |
Sources (1)
- sovitacu.org/personal-banking/…s/personal-savings-rates · captured Oct 5, 2026
Summer Check Club
0.30%APY
Opened under existing Regular Share Savings Account number. Dividends are declared quarterly and may be 0%.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceNo minimum deposit required to open or obtain stated APY.Any balance | 0.30% | $30 | No minimum deposit required to open or obtain stated APY. |
Sources (2)
- sovitacu.org/personal-banking/…g-accounts/club-accounts
- sovitacu.org/personal-banking/…s/personal-savings-rates
All captured Oct 5, 2026
Super Club
0.30%APY
Opened under existing Regular Share Savings Account number. Dividends are declared quarterly and may be 0%.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceNo minimum deposit required to open or obtain stated APY.Any balance | 0.30% | $30 | No minimum deposit required to open or obtain stated APY. |
Sources (2)
- sovitacu.org/personal-banking/…g-accounts/club-accounts
- 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.