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Sovita

PO Box 320830, Flint, MI 48532
NCUA Insured4.2 (52 reviews)2 charter

Verified Information

NCUA Insured

Member-Owned

2 charter

Established in 1934

Contact this credit union directly for detailed information about membership eligibility and current rates.

Location & Directions

Address

PO Box 320830

Flint, MI 48532

Service Area

This credit union is located in Flint and serves members in the MI area. Currently serving 17,847 members.

Membership Info:

Contact the credit union to confirm membership eligibility requirements for your area.

Note on Membership

Credit union membership is based on a common bond. Contact this credit union directly to confirm you qualify for membership.

Financial Health

Q4 2025 · NCUA

Key indicators from NCUA regulatory filings. Tap any metric to learn what it means.

Source: NCUA Federally Insured Credit Unions list, Q4 2025.

Loan Rates

Rates sourced from NCUA call report data (Q4 2025). Contact the credit union for current rates and terms.

New Auto Loan

5.21%

Used Auto Loan

5.76%

Personal Loan

10.13%

Credit Card APR

11.35%

Important: Rates are sourced from NCUA call report filings (Q4 2025) and reflect averages reported by the credit union — not guaranteed quotes. Contact the credit union directly for current rates and terms.

Your actual rate will vary based on your credit score, loan term, and financial profile. Personal loans and credit cards tend to see the most variation.

Best Rates in MI

Lowest rates currently reported by credit unions in MI (NCUA Q4 2025).

Rates from NCUA regulatory filings. Contact credit unions directly for current rates.

Branches & Locations(5 total)

Member Reviews

4.2

52 Google reviews

Reviews sourced from Google Maps. Ratings reflect member experiences at this credit union.

View on Google Maps
Daryl Herkner

Daryl Herkner

4 months ago

Calkins Road branch is always so professional and easy to work with. Its usually a quick in and out regardless of the type of transactions. Loans are always processed quickly and smoothly. Holly Road branch is always understaffed. Employees are courteous and I try to be patient, its not their fault. There's usually unnecessary waits. I try to avoid Holly Road branch at all costs, but its right on my way home from work.

Ernesto D

Ernesto D

a year ago

Not a member here, but just had a great walk-in experience with no appointment and wanted to commend Donna Seay for being very kind, personable and providing the business service being sought. Went to two other banks and a retail location before finding success here with Donna and Sovita Credit Union. Conversation started with a smile and left with good vibes for the day. Many thanks!

Arthur Taylor

Arthur Taylor

a year ago

This is a great financial institution. I have been a member here over 7 years. The staff are always nice and helpful and they have a straight forward loan process. Ken in member services is AWESOME! I've worked with him a few times and he's always very thorough, friendly and helpful!

Skeetter Holmes

Skeetter Holmes

a year ago

I had an opportunity to work with Brandeis at the Calkins road branch. She was very professional, helpful and informative. If you're looking for good service, I recommend stopping in to see her. Again, thanks Soviet for having an amazing team.

Rachel Baldwin

Rachel Baldwin

a year ago

This is the most unorganized credit union! No one knows anything and the turnover is ridiculously high! I sat in member services waiting for a rep to try to figure out why my title hadn’t been mailed to me after paying off a car in January (it’s now July) and listened to another rep discuss a member’s credit report out loud. Name, late pays, and creditors, all being discussed loud enough for me to hear 3 offices away. Finally it was determined that Sovita never released the lean on my 7 month paid in full vehicle. They blamed it on a staff who no longer worked there. Countless times they have posted payments on the wrong account. In all fairness the tellers are very kind, however I suspect there is a training issue which would explain the high turnover and lack of satisfaction.

Contact Tips

Best Time to Call

Weekdays 9am–4pm typically have the shortest wait times for new member inquiries.

What to Ask

  • • Current loan rates & terms
  • • Membership eligibility requirements
  • • Minimum deposit to open an account
  • • Online & mobile banking features

NCUA Insured

Your deposits are federally insured up to $250,000 per account category by the National Credit Union Administration (NCUA).