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Personal Savings Rates

Savings Account

These Annual Percentage Yields (APY) are effective as of the last dividend declaration date of December 31, 2024. For additional information, call (800) 369-2786, (810) 720-8300 or (810) 664-5351.
These Annual Percentage Yields are effective as of the last dividend declaration date of December 31, 2024. For additional information, call (800) 369-2786, (810) 720-8300 or (810) 664-5351.

Account Minimum Deposit* Annual Percentage Yield Annual Dividend Rate
Regular Share $5.00** 0.30% 0.30%
Christmas Club None 0.30% 0.30%
Summer Check Club None 0.30% 0.30 %
Mortgage Payment Club None 0.30% 0.30%
Super Club None 0.30% 0.30%
Loan Pledge Club None 0.05% 0.30%
Share Draft Account $100*** 0.05% 0.05%
HSA Share Draft Account None 0.05% 0.05%

*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 quarterly. Any fees incurred may reduce earnings.
Sovita Credit Union is Federally Insured By The NCUA
These Annual Percentage Yields were offered within the most recent 7 calendar days and were accurate as of February 3, 2025.

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

Duration Type Min. Deposit APY
(Interest paid at maturity)
APY
(Interest paid monthly)
APY
(Interest paid quarterly)
APY
(Interest paid & compounded quarterly)
Annual Interest Rate
91 Days Regular $2500 2.40% 2.40% N/A N/A 2.40%
182 Days Regular $2500 4.10% 4.10% N/A N/A 4.10%
12 Months Regular & IRA $500 N/A 4.23% 4.23% 4.30% 4.23%
18 Months Regular & IRA $500 N/A 3.95% 3.95% 4.01% 3.95%
24 Months Regular & IRA $500 N/A 3.95% 3.95% 4.01% 3.95%
30 months Regular & IRA $500 N/A 4.00% 4.00% 4.06% 4.00%
36 Months Regular & IRA $500 N/A 4.05% 4.05% 4.11% 4.05%

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.
Account Minimum Deposit Annual Percentage Yield Annual Interest Rate (AIR)
Hi FI $2500 2.00% 2.00%
-- None 0.05% 0.05%
IRA None 0.05% 0.05%

  • *Minimum deposit required to open the account and to obtain the stated APY.
  • The rates for HI-FI Accounts may change weekly.
  • The rates for IRA Accounts may change quarterly.
  • A penalty may be imposed for early withdrawal from your IRA Account.
  • Any fees incurred may reduce earnings.










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