Sovita Credit Union Flint MI | Affordable Auto Loans & Business Banking

Introduction

Welcome to Sovita, your trusted partner in financial wellness located at 4411 Calkins Rd, Flint, MI 48532. Since our establishment in 1934, we have been dedicated to serving our community with integrity and care. With a proud membership of 18,139 individuals, we are not just a credit union; we are a family that values each member's financial journey. At Sovita, we believe in making banking accessible and beneficial for everyone. Our total assets stand at an impressive $525,787,487, with $61,488,426 in total deposits ready to support your financial goals. Whether you're looking for personal banking services like checking and savings accounts or seeking loans for your next big purchase, we've got you covered. Our total loans and leases amount to 11,838, providing flexible options tailored to your needs. Led by our dedicated CEO, Patrick White, and Board President, Patricia Gooch, our team of 81 employees is here to ensure that you receive the best service possible. We pride ourselves on being a community-focused institution that prioritizes your financial success. With a net worth of $85,560,479 and cash readily available at $1,338,415, you can trust us to safeguard your money while helping you achieve your dreams. While members can visit us at our branch location for personalized service, official correspondence should be directed to our mailing address: PO Box 320830, Flint, MI 48532. Feel free to reach out at (810) 720-8300 during our operating hours: Monday to Friday from 9:30 AM to 5:30 PM and Saturday from 9:30 AM to 12:30 PM. Join us today and discover the difference that a community-driven credit union can make in your life. Visit us online at Sovita or stop by our branch we can't wait to help you succeed!

Branch History & Mission

Join Us

As we continue our mission of service and support, we invite you to experience the benefits of being part of Sovita. Whether you're looking for personal banking solutions or want to explore how we can help your business thrive, we're here for you. Visit us today or learn more about membership eligibility here. Join Sovita and become part of a community-focused credit union dedicated to your financial success!

Our Evolution

Sovita has seen many changes since its inception. We've embraced technology to ensure our members have access to modern banking services while keeping the personal touch that makes us special. Our operating hours are designed for your convenience: Monday through Friday from 9:30 am to 5:30 pm and Saturday from 9:30 am to 12:30 pm (note that we're closed Saturdays from July to Labor Day). With both ATM availability and drive-thru banking options, we strive to provide seamless service whether you visit us in person or use our digital platforms.

Our Mission

Our mission is simple yet profound: to empower individuals and families through accessible financial solutions while fostering community growth. We offer a range of services including checking and savings accounts, auto loans, mortgages, personal loans, credit cards with rewards, and business banking solutions. Each service is designed with you in mind tailored to meet your unique financial needs. While members can visit us at 4411 Calkins Rd Flint Mi 48532, official correspondence should be sent to PO Box 320830, Flint, MI 48532. We believe that strong communities are built on collaboration and support. That's why we actively engage in community outreach programs and partnerships aimed at enhancing the quality of life for those around us.

Branch Location & Accessibility

Welcome to Sovita, your friendly credit union located at 4411 Calkins Rd in Flint, MI. Our branch is conveniently situated near the bustling intersection of Calkins and Miller Road, making it easy for you to stop by and take care of your banking needs. Whether you're visiting us after a trip to the nearby Genesee Valley Center or just passing through the area, we're here to serve you. At Sovita, we believe that accessibility is key. Our branch is designed with your convenience in mind, featuring ample parking and ADA-compliant access points. This ensures that all members can visit us comfortably, whether you prefer walking in or using our drive-thru service for quick transactions. We understand your time is valuable, which is why our operating hours are designed to fit your schedule. We're open Monday through Friday from 9:30 AM to 5:30 PM and on Saturday from 9:30 AM to 12:30 PM. Please note that we are closed on Saturdays from July until Labor Day. If you have any questions or need assistance during your visit, feel free to call us at 810-720-8300. In addition to traditional banking services like checking and savings accounts, we also offer a variety of financial products including auto loans, mortgages, and credit cards with rewards. Plus, with our ATM available on-site, you can easily manage cash withdrawals and balance checks anytime. While members can visit us at 4411 Calkins Rd, official correspondence should be sent to PO Box 320830, Flint, MI 48532. We invite you to come in and discover how Sovita can help meet your financial needs. Our friendly staff is ready to assist you!

Member Eligibility

Joining the Sovita family means becoming part of a warm and welcoming community that prioritizes your financial well-being. To become a member of Sovita, you simply need to meet a few friendly eligibility criteria. If you live, work, worship, or attend school in Genesee County or surrounding areas, you're likely already eligible! Our commitment is to make banking accessible and beneficial for everyone, ensuring you have access to personalized services that truly cater to your needs. For more detailed information about eligibility, feel free to visit our website at http://www.sovitacu.org/about/membership-eligibility . Opening an account with us is easy and straightforward. You can start your journey toward financial empowerment by applying online through our simple application process found at http://www.sovitacu.org/apply/easy-online-application . If you have any questions or need assistance, don't hesitate to call us at 8107208300. We're here to help! Come visit us at 4411 Calkins Rd, Flint, MI 48532, and discover how Sovita can support your financial dreams.

Business Banking & Commercial Services

Business Loans That Fuel Growth

Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs: - We've funded over $2 in commercial loans for our members, helping businesses scale and succeed. - We also support the broader business community with $152 in non-member commercial loans, providing flexible financing solutions. - With an outstanding commercial loan portfolio of $138,500, we continue to drive economic growth by financing new and expanding businesses.

Merchant Services That Make Transactions Easy

Managing payments shouldn't be a hassle. Our merchant services simplify transactions so you can focus on what matters most growing your business. Imagine easily accepting card payments from customers or managing your sales online without complicated setups. At Sovita, we provide tools that streamline your payment processes, allowing you to deliver a better experience for your customers. Located at 4411 Calkins Rd Flint Mi 48532 in Flint, MI, we're ready to partner with you for success. Reach out at (810) 720-8300 or visit our website for more information on how we can help your business thrive!

Comprehensive List Of Services

Business Banking Solutions

For our business members, we offer specialized banking services including merchant services and business loans to help you grow and succeed. We believe that supporting local businesses strengthens our community, and we are proud to stand by you as a partner in your journey.

Embracing Digital Convenience

In today's fast-paced world, access to your finances should be just a click away. At Calkins Rd, we provide online and mobile banking services that allow you to manage your accounts anytime, anywhere. Need cash quickly? Our ATM services let you make withdrawals and check balances at your convenience. Plus, with basic drive-thru banking available for deposits and simple transactions, getting in and out is quick and efficient.

Personal Banking Made Easy

We understand that personal banking should be straightforward. That's why we offer checking and savings accounts designed for everyday use, helping you manage your finances with ease. Our auto loans and vehicle financing options make it possible for you to drive away in your dream car without the stress of complicated processes. If you're looking to purchase a home or refinance an existing mortgage, our mortgage loans can guide you toward that goal.

Support for Your Financial Journey

Need a little extra cash? Our personal loans and debt consolidation services provide flexible solutions tailored to fit your budget. For those who love rewards, check out our credit cards that come with enticing benefits to help you get more from your spending.

Your Trusted Financial Partner

With a commitment to exceptional service, Sovita strives to be more than just a credit union; we aim to be a trusted partner in your financial journey. Whether you're visiting us in person or using our digital platforms, we're here to assist you. If you're interested in learning more about how we can serve you or if you're ready to open an account, don't hesitate to give us a call at (810) 720-8300 or visit us online at https://www.sovitacu.org/ . Join us at Sovita, where your financial future is bright!

Digital & Online Banking

Key Features of Our Digital Banking Services

Our online banking service allows you to view your account balances, transfer funds, and pay bills all in one place. You can also easily enroll in e-statements, which means you'll receive your bank statements electronically helping you stay organized while reducing paper waste. Plus, for those who love the ease of mobile technology, our mobile application is available, making it simple to manage your finances on the go. With features like person-to-person transfers, sending money to friends or family has never been easier. Need a quick payment option? Our mobile payments feature lets you make transactions directly from your smartphone. For added security and efficiency, we also offer electronic signature authorization, ensuring that your sensitive information remains protected while you enjoy the convenience of digital banking.

Security and Accessibility

We prioritize the safety of your information. Our systems are built with robust security measures so that you can bank with peace of mind. Whether you're using a computer or a mobile device, navigating our user-friendly interface is a breeze. In today's fast-paced world, having real-time account management tools is essential. At Sovita, we're committed to providing accessible solutions that fit into your lifestyle. Explore all these features and more by visiting us at https://www.sovitacu.org/ . Your financial well-being is just a click away!

Financial Strength

Efficient Operations

Our operational efficiency is highlighted by our $0, which enables us to continue offering competitive loan rates and solid financial products for our members. We also take pride in having 50 full-time employees and 31 part-time employees, ensuring our branches are always ready to serve you with a knowledgeable, committed team.

Growing Member Trust

With total share accounts reaching 43,413, it's clear that more members trust us with their finances every day. Our net shares amount to $325,987, showing funds available for lending and investments. This reflects a growing community that believes in the value of being part of Sovita. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, Sovita is your trusted partner. Visit us at 4411 Calkins Rd Flint Mi 48532 or call (810) 720-8300 to learn more about how we can help you achieve your financial goals.

Member-Centric Savings

Members' savings are secured through $67,514,620 in share certificates and $151,053,435 in money market shares, offering stable and rewarding financial growth opportunities. Unlike traditional banks, we prioritize our members. With non-member deposits at $0, we ensure that our resources are focused on benefiting you through better loan rates, lower fees, and exclusive perks.

Reinvesting for Your Future

With $3,579,121 in undivided earnings, we reinvest in innovative banking tools, stronger lending options, and enhanced security measures to serve our members better. Our commitment is reflected in our lending capacity; we have $2,068 in used auto loans and $135,041,209 in total loans and leases available to support your financial goals across various sectors.

Solid Foundation

With a net worth of $85,560,479, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of $1,627 demonstrates a solid capital foundation, ensuring that we can continue providing loans, competitive savings rates, and uninterrupted services even in uncertain economic times.

Loan Offering

Auto Loans

Looking to buy a new car? Our auto loans offer some of the lowest rates in the industry, with over $28,656,354 in used vehicle loans and $13,945,907 in new vehicle loans already helping members get on the road. We have flexible terms and competitive interest rates that make financing your next vehicle straightforward and affordable.

Business Loans

For business owners, our outstanding commercial loans totaling $138,500 provide the capital needed to grow and expand. We recognize the importance of supporting local businesses and are committed to helping you succeed. We also offer refinancing options for many of our loan products. If you're interested in exploring eligibility options or would like more information about applying for a loan with us, please call us at 810-720-8300 or visit our website at Sovita. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov based on the latest results. At Sovita, we're dedicated to providing personalized service tailored to meet your individual needs. Let us help you take the next step toward achieving your financial goals today!

Credit Lines and Unsecured Loans

For those looking for additional financial flexibility, we offer total credit lines of $30,000,000. This option can be useful for managing larger expenses or consolidating debt. Additionally, we also provide flexible terms on unsecured credit card loans, with a total of $5,050,748 in loans helping members manage their finances effectively.

Mortgage Loans

Thinking about homeownership? Our mortgage options include Junior Lien 1-4 Family Residential Properties loans totaling $18,873,080, making buying or refinancing simple. Whether you're a first-time homebuyer or looking to refinance your existing mortgage, our team is ready to guide you through the process.

Loan Aggregator

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Ensuring Accurate Loan Comparisons

Loan data on LendMesh is sourced directly from banks and credit unions that comply with National Credit Union Administration (NCUA) lending standards, based on the latest results (Source: https://www.ncua.gov ). This guarantees that users receive fair and transparent offers. By focusing on verified financial institutions, LendMesh ensures that all loan comparisons are based on accurate information.

SOVITA CREDIT UNION