Loan Rates

Sharing the advantages of great rates

as low as
as low as
Credit Builder Advantage14.04%
Advantage Rewards10.24%
Gold Rate Advantage7.99%
Credit Cards' Features

as low as
as low as
Autos new to 2 years old6.49%
Autos 3-7 years old6.74%
Autos 8+ years old8.24%

as low as
as low as
Recreational Vehicles** new to 1 year old8.24%
Recreational Vehicles** 2+ years old8.49%
RV/Motorhome new to 4 years old9.74%
RV/Motorhome 5-9 years old 10.24%
RV/Motorhome 10+ years old11.24%

as low as
as low as
Mortgage Call For Rates
Home Equity
LTV* TO 80%6.75%
LTV* TO 90%8.49%
Other Mortgage Products
Home Equity Line-of-Credit LTV* TO 90%Call For Rates
Long-term mortgages, VA, FHA, and moreCall Us for Information
Construction Loans6% interest only

as low as
as low as
Signature Loan12.24%
Share Pledge Loan
Pledged account or CD interest rate plus 2%
Overdraft Protection Line-of-Credit
$25 Min. Payment

* APR = Annual Percentage Rate. LTV = Loan to Value.
CREDIT CARDS: Rate based on creditworthiness. Credit card base rates are the current prime rate plus the card's index margin. All cards are variable rate. The -base rate example listed above- is the historically low prime rate in July 2020 of 3.25% plus the card's index margin; please check the current prime rate as the prime rate fluctuates several times a year. Member eligibility required.
OTHER LOANS: Current loan rates are effective 05/01/2024 and are quoted above as "lowest possible rate." Other rates are available. Rates are based on past credit history, down payment, term, and model year (if applicable) and are subject to change without notice. Other discounts may apply. Contact a loan officer for details. Member eligibility required.

** Recreational Vehicles include campers, motorcycles, boats, jet skis, ATVs/QUADs, dirt bikes, dune buggies, snowmobiles, and trailers to tow. This is not a comprehensive list. Don’t see the toy you want listed? Give us a call.

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

(218) 722-5931


Hours &  Map

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

(218) 740-2244

(218) 336-0112

Hours &  Map

 2018 Share Advantage Credit Union. All Rights Reserved.