A lighter spend from a smarter lend.

Get our lowest-possible interest rates with the most flexible repayment terms plus local processing. Sovita Credit Union loans and refinancing plans are built entirely around you, so they save you more time and money. Even on existing terms from other lenders.

Home Loans + Refinancing.

Through our partnership with AmeriCU Mortgage, Sovita members can expect:

  • Completely personalized service.
  • Flexible underwriting and various terms.
  • Fast application processing.
  • Competitive mortgage interest rates.
  • Low closing costs.

It takes minutes to apply online. You can also call (248) 247-1894 to speak with an AmeriCU representative.

Apply Online

Two Home Equity Loan Types*

Traditional Second Mortgage. Borrow a specific amount to be repaid over a set period of time with equal low monthly payments and a fixed interest rate.

Home Equity Line of Credit. Borrow the amount you need, up to your approved limit, as you need it. Your payments are based on the amount of your last loan advance.

To apply for a Home Equity Loan, call our Loan Department at (800) 369-2786, (810) 720-8300, (810) 664-5351 or e-mail loans@sovitacu.org.

*The interest rates for home equity loans are typically lower than interest rates for personal loans, and the interest you pay may be tax-deductible. Please consult your tax advisor about your personal situation. Consider a Home Equity Loan for home improvements or repairs, college tuition and expenses, vacation or wedding expenses or to consolidate high interest rate debt.

Loan Rates

Auto Loans.

Apply online, via telephone, in person at any of our offices or at one of the automobile dealerships that partner with Sovita.

  • Dozens of participating dealers
  • AutoSMART Vehicle Shopping lets you browse thousands of new, used and certified pre-owned vehicles
  • Research options, review trade-in value and secure pre-approved financing

You can also call (800) 369-2786, (810) 720-8300 or (810) 664-5351 to speak with a representative.

Loan Rates Apply Online

Personal Loans

Secure extra funds for travel, holidays, summer expenses or any other purpose at a low fixed interest rate. No collateral is required for loan approval. Your signature is all that’s needed to guarantee the loan.

It takes minutes to apply online. You can also call (800) 369-2786, (810) 720-8300 or (810) 664-5351 to speak with a representative.

Apply Online


Teacher Doctor Member Promo

Who can be a Sovita member?

Education and healthcare employees – and their immediate families – who live in Genesee, Lapeer, Livingston, Oakland and Shiawassee Counties.

Learn More


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