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Libert
Turbo Tax
Office Locations
Main Office
Drive-Up ATM
2502 Maple Grove Rd.
Duluth, MN 55811
(218) 722-5931
Mon-Fri: 8:30 AM - 5:00 PM
Drive-Up Windows
Mon-Thur: 8:00 AM - 5:30 PM
Fri: 7:30 AM - 5:30 PM
Sat: 9:00 - Noon

SMDC Office
ATM
407 E. 3rd St.
Duluth, MN 55805
(218) 740-2244
Mon-Thur: 8:00 AM-4:00 PM
Fri: 7:30 AM - 4:00 PM


Contact a Member
Services Representative
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   loans

We Want To Be Your
Financial Institution Of Choice

Check out our current loan rates by clicking here

Competitive Loan Services

-New and Used Vehicle Loans   -Student Loans
-Home Mortgages   -New and Used RV Loans
-Signature Loans & Lines of Credit   -New and Used Motorcycle Loans
-VISA Credit Cards   -New and Used Boat Loans

New Secure On-line Mortgage Loan
Application Services Now Available!

home
Looking to own your dream home?
SACU now offers HOME MORTGAGES!

To make the mortgage loan process easier, you can now complete a loan application on-line. Simply visit our Loan Officers page, select your loan officer and click the link to the on-line mortgage application under their bio. When you have completed the loan application your loan officer will review your application and contact you.
Real Estate Loans
Are you looking to purchase a home? Thinking about refinancing your existing home mortgage? Can't decide between a fixed rate or adjustable rate mortgage?

Share Advantage Credit Union has the right loan for you, at the right price! With convenient terms from 10 to 30 years, we can establish monthly payments that meet your budget. In addition to competitive interest rates and points, you'll be able to borrow money from your credit union.

Why a Credit Union Home Loan?
At Share Advantage Credit Union, members' needs come first. Our loan programs are designed to fit your needs. We offer a wide variety of products, each with special benefits. We also offer flexible underwriting guidelines. Once your loan closes, we have payroll direct deposit or internal transfer capability, assuring that your payment is automatically made on time.

What Can You Expect from SACU?
  • Simple, easy, member-friendly pre-qualification and pre-approval.
  • Funds available for your home loan at competitive interest rates, points & fees.
  • Easy Loan payments through direct debit from your SACU account.
  • Knowledgeable, friendly personnel to help you through the loan process.
  • Competitive limits on interest rate adjustments for ARM loans.
  • No penalty for paying off your loan ahead of schedule.
  • Full disclosure of all terms and conditions.

Pre-Approval
Pre-approval allows you to shop for a home knowing exactly what you can afford. Improved bargaining power with the seller and real estate agent is an added benefit. Pre-approved buyers are able to close on the deal on their new homes more quickly, which saves time and money. Pre-approval is easy, FREE, and available at SACU. You can even apply for your pre-approval online HERE anytime, day or night.

Types of Available Loans:
SACU has mortgage loans to fit your needs. If you need more information, visit our web site, call, or come in and speak with one of our mortgage specialists today.

Fixed Rate
Fixed rate loans are the traditional mortgages. The rate never changes and your payment remains the same for the entire life of the loan. The rate on a fixed mortgage is generally higher than that of an adjustable rate mortgage, but offers you're the security of knowing that principal and interest payments will remain the same throughout the term of the mortgage.

Adjustable Rate
An adjustable rate loan starts out with a lower initial rate. This increases your purchasing power and allows you to qualify for a larger mortgage - and more house - than a fixed rate mortgage. With up to seven years before the first rate change, this is often a great option for a growing family or a homeowner whose career may take them out of the area within the next 5-7 years. The rate can be adjusted over the life of the loan, subject to periodic and lifetime caps.

SACU now offers GAP Insurance!

What is GAP Insurance? Loan/Lease deficiency protection designed to help eliminate your unpaid net loan/lease balance in the event your vehicle is stolen or damaged beyond repair. In the event of a total loss to your vehicle, GAP covers the difference between the actual cash value of your vehicle and the outstanding loan/lease balance at the time of the loss.

Example Scenario: You are driving in one of our "Northern" snow storms in your new car. You hit ice and total out your vehicle beyond repair. You still owe $22,000 on your vehicle loan, but the insurance company says that they are only going to pay for your car's current value ($17,000 Blue Book Value). GAP insurance is designed to take care of the extra $5,000 that you would still owe if you didn't have GAP insurance.

GAP insurance can cost hundreds elsewhere. But at SACU, for only $225.00 you can be covered for the life of your loan and we can even finance the cost into your loan.
Don't Wait! $225.00 now could save you thousands later!
CUDL
Now get SACU financing at any CUDL participating dealer!!

You can get SACU financing at any dealer that participates in the Credit Union Direct Lending (CUDL) program. Choose from numerous dealers across the country! Ask your dealer and find out if they participate in the CUDL program, look for the CUDL Logo displayed within the dealership, or visit the CUDL site to locate the nearest participating dealer.    See our list of CUDL dealers in the Duluth/Superior area.

Thinking About a Car Loan?

SACU has put together a wonderful group of local dealers that make up SACU's Dealer Network.

You can do all of your loan paperwork right at the dealership and still get your loan through SACU.

You can also get SACU financing at any CUDL participating dealership. Or for that worry-free shopping experience, come on in and get pre-approved for your new car loan with one of our friendly loan officers.

  
Plaque Presentation
Congratulations to Frank Hebert at Duluth Dodge for going over $1 million in automobile loans to our members. Award presented by Knut Hovde.

See our list of CUDL dealers in the Duluth/Superior area.

*APR = Annual Percentage Rate. Current loan rates are effective 10/12/04 and are quoted above as "lowest possible rate." Rates are based on past credit history, down payment, model year and term and are subject to change without notice. Membership eligibility required. Rates posted include a 25 basis point discount for direct deposit and/or automatic payment.

**Member and loan must qualify. If an appraisal is needed, the member must pay for all related costs.

equal housing acu ncua
 
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