Turn planning into living.

ATM Card.

Access over 28,000 ATMs nationwide with zero surcharge when using your ATM card. Simply visit any ATM that displays a Co-op Network® logo. Your ATM card can also be used worldwide at any ATM that displays a VISA®, NYCE®, PLUS® or Co-op Network® logo.

Find an ATM near where you live, work, or travel here.

You can also make purchases on your card by securing a Personal Identification Number (PIN).

Apply today at any credit union office or call a Member Services Representative at (800) 369-2786, (810) 720-8300 or (810) 664-5351.

Share Savings.

Sovita Share Savings accounts pay you dividends while requiring no monthly maintenance fees. Access your account online, by telephone, via an ATM or in person at any office. All it takes is $5 to keep it open.

Open an account today at any credit union office, call a Member Services Representative at (800) 369-2786, (810) 720-8300 or (810) 664-5351 or open your account online.

Your savings are insured to at least $250,000 by the National Credit Union Association (NCUA), an agency of the federal government. The dividends you earn on these accounts are declared quarterly and may be 0%.

Club Accounts.

Set aside funds for specific goals without the hassle of managing multiple account numbers.

Club accounts are opened under your existing Regular Share Savings Account number and distinguished on your monthly account statement by a separate identifier.

Apply today at any credit union office or call a Member Services Representative at (800) 369-2786, (810) 720-8300 or (810) 664-5351.

Your savings are insured to at least $250,000 by the National Credit Union Association (NCUA), an agency of the federal government. The dividends you earn on these accounts are declared quarterly and may be 0%.

Christmas Club.

Satisfy holiday expenses over a more generous period of time. You can make deposits as needed or set aside a dedicated amount from the direct deposit of your paycheck, retirement or Social Security. Your accumulated funds and dividends are transferred to your Regular Share Savings Account or Share Draft Checking Account on October 1st.

Super Club.

Save for a vacation, tuition, home improvement and more. Funds may be transferred to or from your Regular Share Savings Account or Share Draft Checking Account, and withdrawals may be made at any time.

Summer Check Club.

Accumulate funds during the school year to pay yourself during the months of July and August. Prior to the end of the school year, you determine how your funds are distributed in July and August – either through five bi-weekly checks mailed to your home or five transfers to your Share Draft Checking Account.

Invest in Yes.

Sovita tailors five investment programs to maximize earnings for every family and lifestyle. These accounts have more specific requirements than a regular share or club account – when met, they can earn you a higher dividend than other accounts.

HI-FI Accounts.

High Interest Federally Insured Accounts (HI-FI) can multiply your dividend earnings if you maintain $2,500 in deposits.

Make deposits or withdrawals in amounts of at least $100, as often as needed. Whenever your balance falls below the required $2,500, you will earn a dividend lower than the Regular Share Savings account. Dividends are calculated daily and deposited to your HI-FI account on the last day of each month.

Open an account at any credit union office or call a Member Services Representative at (800) 369-2786, (810) 720-8300 or (810) 664-5351 to open a HI-FI account today.

Your savings are insured to at least $250,000 by the National Credit Union Association (NCUA), an agency of the federal government. The interest you earn on these accounts are declared weekly and may be 0%.

Certificates of Deposit.

Pledge the minimum deposit for a specific term – Certificates of Deposit (CD) offer a variety of terms and interest rates to choose from. Though CD interest rates are subject to change weekly, the interest rate in effect at the time of purchase is fixed for the term of the certificate. Penalties may be assessed for early withdrawal.

Open an account at any credit union office or call a Member Services Representative at (800) 369-2786, (810) 720-8300 or (810) 664-5351 to open a CD.

Your savings are insured to at least $250,000 by the National Credit Union Association (NCUA), an agency of the federal government. The dividends you earn on these accounts are declared quarterly and may be 0%.

Education Savings.

A Coverdell Education Savings account is a great way to accumulate the funds needed to pay for the educational expenses of the child named on the account. If the funds from the account are used to pay for qualified education expenses, the earnings and distributions may be tax- and IRS penalty-free*.

Open an account at any credit union office or call a Member Services Representative at (800) 369-2786, (810) 720-8300 or (810) 664-5351 to open an Education Savings account.

Your savings are insured to at least $250,000 by the National Credit Union Association (NCUA), an agency of the federal government.

*Please consult your accountant or tax/financial advisor with regard to your personal situation. Please note in particular that withdrawals may be subject to an early withdrawal penalty if invested in a certificate of deposit.

Retirement Savings.

Sovita offers both Traditional and Roth IRAs, which offer many tax advantages when saving for retirement. Benefits include tax-deferred interest income, deductible contributions and tax-free withdrawals depending on your personal situation*.

Open an account at any credit union office or call a Member Services Representative at (800) 369-2786, (810) 720-8300 or (810) 664-5351 to open an IRA account.

Your savings are insured to at least $250,000 by the National Credit Union Association (NCUA), an agency of the federal government.

*Please contact your accountant or tax/financial advisor with regard to your personal situation.

Health Savings Account (HSA).

A tax-favored savings account combined with a qualifying high-deductible health insurance plan* is known as an HSA. Employees who utilize this benefit can deposit tax deductible funds to cover 100% of their health plan's deductible, as well as other qualified medical, dental and prescription expenses.

Open an account at any credit union office or call a Member Services Representative at (800) 369-2786, (810) 720-8300 or (810) 664-5351 to open an HSA account.

Your savings are insured to at least $250,000 by the National Credit Union Association (NCUA), an agency of the federal government. The dividends you earn on these accounts are declared quarterly and may be 0%.

*A qualified high deductible health insurance plan has a minimum deductible for a single person or for family coverage. Please contact your plan administrator for detailed information about your deductible. The maximum out-of-pocket limits for a single person or for family coverage are subject to annual cost of living adjustments. Please review the limits set for each calendar year.

How members save.

View the latest savings interest rates available through Sovita Credit Union below.

Savings Account

These ANNUAL PERCENTAGE YIELDS are effective as of the last dividend declaration date of March 31, 2024. For additional information, call (800) 369-2786, (810) 720-8300 or (810) 664-5351.

* Minimum deposit required to open the account and to obtain the stated APY.

** A minimum of $5.00 is required to maintain your share account.

*** The minimum deposit to open a share draft account is waived if you are approved for an overdraft line of credit.

These rates may change on a quarterly basis. Any fees incurred may reduce earnings.

SOVITA CREDIT UNION IS FEDERALLY INSURED BY THE NCUA

Certificate of Deposit

These ANNUAL PERCENTAGE YIELDS were offered within the most recent 7 calendar days and were accurate as of April 15, 2024.

For additional information, call (800) 369-2786, (810) 720-8300 or (810) 664-5351.These rates may change on a weekly basis, but are fixed for the term of the certificate. A penalty may be imposed for early withdrawal.

N/A (Rate is not available for the term shown.)

* Minimum deposit required to open the account and to obtain the stated APY.

** Minimum deposit of $5,000 required

A penalty may be imposed for early withdrawal from your Certificate of Deposit.

Any fees incurred may reduce earnings.

* Minimum deposit required to open the account and to obtain the stated APY.

The rates for HI-FI Accounts may change on a weekly basis.

The rates for IRA Accounts may change on a quarterly basis.

A penalty may be imposed for early withdrawal from your IRA Account.

Any fees incurred may reduce earnings.