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iAdvertiser Disclosure
Advertiser Disclosure
Some institutions listed may have a business relationship with MonitorBankRates. Our proprietary systems independently track and verify all rates. Advertiser relationships do not influence our Safety Ratings, Star Ratings, Texas Ratio calculations, or the rates shown.
 Share Advantage Credit Union Rates & Review November 2026
Content reviewed by
Brian McKay
Brian McKayFounder & Data ArchitectExpertise
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
Read Full Bio →
Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
✓Fact Checked
Rates Last Updated and Verified: October 29, 2026
Share Advantage Credit Union's Time Share 48 Month CD rates are at 1.21%, Time Share 36 Month CD rates are at 1.10%, Time Share 24 Month CD rates are at 1.05%, Time Share 12 Month CD rates are at 1.00%, Time Share 6 Month CD rates are at 0.35%. Share Advantage Credit Union's money market rates are at 2.50%. Share Advantage Credit Union's checking rates are as high as 0.05%. Share Advantage Credit Union's Personal Loan Rates are as low as 11.74%. Share Advantage Credit Union's Credit Card Rates are at 7.99%. Share Advantage Credit Union's CD rates are 67% lower than the MonitorBankRates national average, and it has an A health rating. MonitorBankRates evaluates the financial stability of Share Advantage Credit Union with a 5.0 Star Rating, an A Overall Health Grade, and a Texas Ratio of 12.95%. Rates last updated and verified on 10/29/2026. Share Advantage Credit Union money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at Share Advantage Credit Union? Share your experience about Share Advantage Credit Union by leaving a review below, or read customer reviews before you decide to use Share Advantage Credit Union. Share Advantage Credit Union
Share Advantage Credit Union Main Office 2502 Maple Grove Rd
https://www.myshareadvantage.com Duluth, MN 55811-1864  Customer Reviews
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Financial health data as of Q2 2026 (NCUA 5300 call report for the quarter ended June 30, 2026). This is the most recent call report available. The NCUA publishes credit union call reports about ten weeks after each quarter ends. Share Advantage Credit Union CD Rates
Share Advantage Credit Union Savings Rates
Share Advantage Credit Union Money Market Rates
Share Advantage Credit Union Checking Rates
Share Advantage Credit Union Business Checking Rates
Share Advantage Credit Union Home Equity & HELOC
Share Advantage Credit Union Auto Loan Rates
Share Advantage Credit Union RV, Boat and Powersport Loan Rates
Share Advantage Credit Union Credit Card Rates
Share Advantage Credit Union Personal Loan Rates
Share Advantage Credit Union Other Rates
Financial Health HistoryShare Advantage Credit Union’s Texas Ratio rose from 4.32% in Q3 2023 to 12.95% in Q2 2026, so its financial health has held steady at a healthy level over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0 and its Health Grade from A+ to A. Lower Texas Ratios are healthier; the green zone below the amber 15% line is where a credit union must stay to qualify for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures. Swipe the chart sideways to see every quarter.
Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade15% Verified Healthy limit (green zone below = healthy)
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How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops. Show the quarterly figures
Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.
Methodology & Data SourcesMonitorBankRates Star Rating
Our rating for Share Advantage Credit Union is derived from comprehensive financial data published quarterly by the NCUA. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with member feedback (user reviews) to help you make informed banking decisions.
Texas Ratio
We calculate the Texas Ratio using standard industry methodology. This ratio compares the credit union's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.
Rate Data Aggregation
We gather Share Advantage Credit Union rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.
Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions.
It is always advisable to check with Share Advantage Credit Union's official website for the most current offers and terms.
Credit Union Profile & Overview
Credit Union Name
Share Advantage Credit Union
Website
https://www.myshareadvantage.com
Address
2502 Maple Grove Rd,
Duluth, MN 55811-1864
Phone
218-722-5931
Fax
218-336-0112
President
Steve Ruce
CEO
Shawn Crowser
Full-Time Employees
10
Part-Time Employees
3
Branch Locations
2
ATM Locations
2
NCUA Insured
✓ Yes, up to $250,000 per depositor
FinancialsMonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A (94/100)
Texas Ratio
12.95%
Return on Assets (ROA)
0.4216%
Return on Equity (ROE)
3.1396%
Non-Performing Loans Ratio (NPL)
2.77%
Total Assets
57,499,563
Total Amount of Shares and Deposits
49,192,105
Total Shares and Deposits < 1 Year
44,866,030
Total Shares and Deposits 1 3 Years
4,113,924
Total Shares and Deposits > 3 Years
212,151
Total Insured Shares and Deposits > $250K (item 17 less item K)
49,192,105
Total Interest Expense (Sum of items 6 8)
92,305
Share Certificates
204
Number of Accounts for Share Drafts
1,944
IRA KEOGH Accounts
68
Number of Accounts for Regular Shares
4,249
All other shares
5
Money Market Shares
59
Net Income (unless the amount is already included in Undivided Earnings)
242,427
Net Worth Classification if credit union is not new (Based upon Call Report data only See instructions)
Well Capitalized
Net Worth Classification if credit union is a new credit union
Well Capitalized
Total Cash on Deposit (Amounts Deposited in Financial Institutions)
8,768,514
Total Liabilities
50,244,718
Source: NCUA — Last Updated 06/30/2026
Customer Reviews
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Visit our Community Reviews hub to read what other members are saying, ask questions, and join the conversation.
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Frequently Asked Questions About Share Advantage Credit UnionDoes Share Advantage Credit Union offer CDs?Yes. Share Advantage Credit Union current CD rates include its Time Share 48 Month CD at 1.21% APY, its Time Share 36 Month CD at 1.10% APY and its Time Share 24 Month CD at 1.05% APY, verified by MonitorBankRates as of October 29, 2026. Are CDs from Share Advantage Credit Union NCUA insured?Yes. Share Advantage Credit Union is insured by the National Credit Union Administration (NCUA), so CDs opened there are insured up to $250,000 per depositor, per ownership category. What is the highest CD rate at Share Advantage Credit Union?The highest Share Advantage Credit Union CD rate is its Roth IRA 48 Month CD at 1.21% APY, verified by MonitorBankRates as of October 29, 2026. What CD terms does Share Advantage Credit Union offer?Share Advantage Credit Union CD rates are 0.35% APY for a 6 month CD, 1.00% APY for a 12 month CD, 1.05% APY for a 2 year CD, 1.10% APY for a 3 year CD and 1.21% APY for a 4 year CD, verified by MonitorBankRates as of October 29, 2026. The institution may offer other terms or specials that are not listed here, so check with Share Advantage Credit Union for its full lineup. What is the highest money market rate at Share Advantage Credit Union?The highest Share Advantage Credit Union money market rate is its Money Market at 2.50% APY, verified by MonitorBankRates as of October 29, 2026. What is the highest checking rate at Share Advantage Credit Union?The highest Share Advantage Credit Union checking rate is its Business Checking at 0.05% APY, verified by MonitorBankRates as of October 29, 2026. What is the lowest auto loan rate at Share Advantage Credit Union?The lowest Share Advantage Credit Union auto loan rate is its Vehicle Loans - Autos new to 2 years old at 5.99% APR, verified by MonitorBankRates as of October 29, 2026. Share Advantage Credit Union auto loan rates are 5.99% APR for a 24 month auto loan and 6.24% APR for an 84 month auto loan. What is the lowest personal loan rate at Share Advantage Credit Union?The lowest Share Advantage Credit Union personal loan rate is its Signature Loan at 11.74% APR, verified by MonitorBankRates as of October 29, 2026. What is the lowest credit card APR at Share Advantage Credit Union?The lowest Share Advantage Credit Union credit card APR is its Gold Rate Advantage Credit Card at 7.99% APR, verified by MonitorBankRates as of October 29, 2026. How many branches does Share Advantage Credit Union operate?Share Advantage Credit Union currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes. Is a member application needed to join Share Advantage Credit Union?Yes, to access services at Share Advantage Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations. Is there a first-time homebuyer program?Currently, Share Advantage Credit Union does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing. Are credit management and repair services offered?While formal credit repair services are not currently listed, Share Advantage Credit Union provides members with tools to manage their accounts and build a solid financial history. Does Share Advantage Credit Union offer online and mobile banking?Most modern institutions like Share Advantage Credit Union provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.myshareadvantage.com. Are all CD rates listed on MonitorBankRates federally insured?Most are. Banks are insured by the FDIC and most credit unions by the NCUA, up to $250,000 per depositor, per ownership category. A small number of credit unions are privately insured instead, and we label them on their pages. MonitorBankRates is not a bank or credit union; deposit insurance comes from the institution where you open the account. I want to open a CD with an institution listed on MonitorBankRates. How do I open the account?You open the account directly with the bank or credit union. Use the View button next to a rate to go to the institution's website, then apply online, by phone or at a branch. Credit unions require membership, so you may need to join first. Confirm the current rate and terms with the institution before you deposit. If I open a CD I found on MonitorBankRates, is my account with MonitorBankRates or the institution?Your account is with the financial institution. MonitorBankRates is a rate comparison site; we do not open accounts, hold deposits or handle your money. Why are some CD offers not available for me to open?Some offers are limited to certain states or local areas, require membership in the credit union, need a minimum deposit, or were promotions that have since ended. Rates can also change after we verify them. The institution's website has the current eligibility rules. How do Share Advantage Credit Union rates compare?Share Advantage Credit Union's CD rates are 67% lower than the MonitorBankRates national average, and it has an A health rating. Share Advantage Credit Union's top rates are its Roth IRA 48 Month CD at 1.21% APY, its Money Market at 2.50% APY, its Business Checking at 0.05% APY, its Signature Loan at 11.74% APR and its Gold Rate Advantage Credit Card at 7.99% APR, verified by MonitorBankRates on October 29, 2026. Current Share Advantage Credit Union Rates
Retrieved from our database of financial products. Rates subject to change.
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