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Student Debit Special*

Students, receive a $50 bonus deposit when you open a new, maintenance-fee FREE debit checking account and FREE debit card thru July 12th!*

For College Students -of all ages- and High School Students ages 14+!

Free, really? Yes. Our debit checking has no maintenance fees, no per-item fees, no convenience fees, and no minimum balance required.

Going away to college? No worries. Our banking app features free mobile check deposit, and our free debit card works on the surcharge-free nationwide network of MoneyPass ATMs. Plus, our debit card is now mobile wallet ready! SACU is only an App, ATM, email, or call away.



Use your debit card on the surcharge-free nationwide network of Money Pass ATMs.

Use your debit card on the surcharge-free nationwide network of Money Pass ATMs.



Our Debit Cards are now mobile wallet ready... Your debit card will work in Apple Wallet, Google Wallet, Samsung Wallet, and Garmin Pay.

Google Pay and Apple Pay COMING SOON to your debit card.

*For College Students of all ages and High School Students ages 14+. College students will need to show a valid College ID or current-dated proof of enrollment (acceptance letter, class schedule, etc.). Minors require an adult Joint on their accounts; member eligibility is required of either the minor or adult Joint. For minors, our free debit card features adjustable, lower daily limits. Member eligibility is required. To receive the $50.00 bonus deposit, a new, maintenance-fee free debit checking account including a free debit card is required. A bonus deposit of $50.00 will be made to your new checking account by July 31, 2024. Offer ends 07/12/2024 or when allocated amounts are disbursed. Offer cannot be combined with other promotional deposit offers. Membership closure within 6 months of opening forfeits the $10 Membership Share. Deposits by Share Advantage Credit Union are considered a taxable bonus; Form 1099 will be mailed. Share Advantage Credit Union is federally insured by the NCUA.

$1,000 Scholarship GIVEAWAY**

We’re giving away THREE! No essays. No GPA. ENTER TO WIN THE WEEK OF July 8th-12th.

College students of all ages are welcome to enter. To be eligible to enter, you'll need a new or current Share Advantage debit checking account in good standing and show current-dated proof of college enrollment (i.e., acceptance letter, tuition statement, etc.). If you plan to stop by Thursday, July 11th, stop by between 11 am - 2 pm as we'll be Grilling to benefit Animal Allies, and all proceeds will be matched by SACU!

Winners will be announced on Facebook - Like and Follow us to be the first in the know about your credit union.

Don't have a debit checking account? College students, of all ages, opening a new debit checking account are not only eligible to enter the Scholarship Giveaway but can also partake in the Student Debit Bonus thru July 12th and receive a $50 bonus deposit when you open a new, free debit checking account including a free debit card. Current-dated proof of college enrollment at account opening is required to receive the bonus deposit; see our Student Debit Bonus for details.



**Member eligibility required. New or current membership with debit checking in good standing is required. Must present current-dated proof of enrollment when entering the giveaway (i.e., acceptance letter, tuition statement, etc.). Enter to win July 8-12, 2024, in person at any office or via the email on your account to cu@myshareadvantage.com with your full name, phone number, major, and current-dated proof of enrollment. An emailed entry will receive a response email when the entry is made. Parents can register for Members away at college with current-dated proof of enrollment. One entry per person. Random drawing will be held Monday, July 15, 2024. Share Advantage Credit Union is federally insured by the NCUA.

Credit Cards UPGRADES NOTICE

UPCOMING CHANGES

Mark your calendars.

To better serve our members and enhance our members' experience of our Share Advantage credit cards, we are making improvements. The coming improvements are the first step towards full credit card integration in our app and online banking.

Coming Tuesday, June 25, 2024 ~ When you select your credit card in our app & online banking, you will be automatically linked to a NEW credit card website - no login required. Within this new, linked, credit card website you will have a variety of features at your fingertips. Please see the General FYIs & Dates below; the only possible action needed on your part is if you have an Electronic/ACH transfer, see bullet point below.

New, linked, Credit Card Website features will include:

  • Near Real-Time Transaction History Downloads
  • eStatement enrollment
  • Payments
  • Disputes
  • Activation
  • Card Replacement Requests

General FYIs & Dates

  • Please keep using your SACU Credit Card ~ Use of your SACU credit card will NOT be interrupted during these upgrades.
  • Payment Information & Credit Card Visibility ~ Wednesday, June 19th, at 5:00 PM through Monday, June 24th, your SACU credit card will NOT be visible in your app or online banking, and payments will NOT be accepted online via transfer, scheduled transfer, or electronic ACH. During this time frame, in-person payments will be held by the credit union for processing on Tuesday, June 25th. On Tuesday, June 25th, your SACU credit card will become visible again in your app and online banking, and payments made in-person or by one-time or scheduled transfer in the app or online banking will return to normal. See bullet point on recurring electronic/ACH transfers.
  • Deactivation of current, Full Credit Card Website ~ As of Wednesday, June 19th: Our current Full Credit Card Website will be deactivated. See bullet point on eStatements.
  • Electronic/ACH Transfers for payment on your SACU Credit Card, set in our current Full Credit Card Website, will be deactivated ~ Possible Action Needed on or after Tuesday, June 25th: Electronic/ACH transfers set in the current credit card website will need to set again in the new credit card website directly linked to your credit card. When you select your credit card in the app or online banking, you will be automatically linked to the new credit card website - no login required.
  • In-Person Experience ~ Our frontline Member Service Representatives will also experience an improved interface and will be better able to assist with your credit card transaction questions and payments in-person.
  • Credit Card Statements ~ SACU Credit Card statements will have a new look.
  • Credit Card eStatements ~ If you are enrolled in credit card eStatements currently, this setting will rollover to the new credit card website, and you will have access to 13 (thirteen) months of eStatements.

I Spy a . . . CD Special

17-Month
5.15%APY*

Deposit must be made with new money to Share Advantage. Current funds with Share Advantage are ineligible.

Deposit minimum $500
Deposit maximum $100,000
Special is subject to change or discontinuation at any time.

*APY=Annual Percentage Yield. $500 Minimum to $100,000 Maximum CD special deposit(s) per member. Deposit must be made with new money to Share Advantage; current funds with Share Advantage are ineligible. Subject to change or discontinuation at any time. At maturity, CD special funds will transfer into your 01-Regular Share/Savings. Early surrender subject to 90-day interest penalty. IRA & Educational CDs are not included in CD specials. SACU is federally insured by NCUA.

Main Office & Mailing Address
2502 Maple Grove Rd.
Duluth, MN 55811

Phone
(218) 722-5931

Fax
218-740-3080

Hours &  Map

Essentia Office
Miller Dwan Building Lobby
502 E 2nd St. Bldg.C Ste.L8412
Duluth, MN 55805

Phone
(218) 740-2244

Fax
(218) 336-0112

Hours &  Map

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