Low or No Annual Fee
If you qualify for our 8.9% Annual Percentage Rate or have a direct deposit relationship with Sovita Credit Union, you don’t have to pay an annual fee. It takes minutes to apply online. You can also call (800) 369-2786 to speak with a representative.
Learn more about APR and our lowest possible fees below.
Interest Rates and Interest Charges
- Annual Percentage Rate (APR) for Purchases: 8.9%, 11.9% or 13.9% based on credit
- APR for Balance Transfers: 8.9%, 11.9% or 13.9% based on credit
- APR for Cash Advances: 8.9%, 11.9% or 13.9% based on credit
- How to Avoid Paying Interest on Purchases: Your due date is at least 25 days after the close of each billing cycle. We will not charge interest on purchases if you pay your entire balance by the due date each month.
- For Credit Card Tips from the Consumer Financial Protection Bureau: Visit the Consumer Financial Protection Bureau
Fees
- Annual Fee: $9
- Transaction Fees: Foreign Transaction - 1% of each transaction in US Dollars
Penalty Fees: Late Payment - Up to $15
How We Will Calculate Your Balance: We use a method called "average daily balance (including new purchases)."
Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in your account agreement.
The information about the costs of this card described in this application is accurate as of July 1, 2018. This information may have changed after that date. To find out what may have changed, write us at: P.O. Box 320830, Flint, MI 48532-0015. The Annual Fee will be waived if you qualify for our 8.9% annual percentage rate or if you have a direct deposit relationship with us.
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Sovita tailors five investment programs to maximize earnings for every family and lifestyle.