You are about to leave myshareadvantage.com.
You are navigating to VISA®'s Online Access login for the Share Advantage VISA® Credit Card at https://onlineaccessplus.com/oa/myshareadvantage/https://onlineaccessplus.com
/oa/myshareadvantage/
Sharing the advantages of saving for tomorrow
| SAVINGS & CHECKING | MIN DEPOSIT | APY* |
|---|---|---|
| Regular Share - Average Daily Balance | ||
| $25.00 - $5,000.00 | $10.00 | .05% |
| $5,000.01 - $25,000.00 | $10.00 | .05% |
| $25,000.01 and Greater | $10.00 | .10% |
| Youth Account3 (up to 18 Years of Age) | $5.00 | .15% |
| Other Share1 - Average Daily Balance | ||
| $25.00 - $5,000.00 | NA | .05% |
| $5,000.01 - $25,000.00 | NA | .05% |
| $25,000.01 and Greater | NA | .10% |
| Money Market - Average Daily Balance | ||
| $0.00 - $10,000.00 | $2,000.00 | .15% |
| $10,000.01 - $20,000.00 | $2,000.00 | .15% |
| $20,000.01 and Greater | $2,000.00 | .20% |
| Other Savings | ||
| Holiday Club2 | NA | .30% |
| Mortgage Escrow Account | NA | .05% |
| Checking | ||
| Checking | NA | 0.00% |
| Youth Checking3 (ages 15-18) | NA | 0.00% |
| Business Checking4 | NA | 0.05% |
| Investment - Average Daily Balance | ||
| Traditional IRA** | $100.00 | .20% |
| Roth IRA** | $100.00 | .20% |
| CDs / CERTIFICATES OF DEPOSIT | MIN DEPOSIT | RATE / APY* |
|---|---|---|
| Time Share | ||
| 6 Month | $500.00 | .35% / .35% |
| 12 Month | $500.00 | 1.00% / 1.00% |
| 24 Month | $500.00 | 1.05% / 1.05% |
| 36 Month | $500.00 | 1.10% / 1.10% |
| 48 Month | $500.00 | 1.20% / 1.21% |
| Traditional IRA** | ||
| 6 Month IRA | $500.00 | .35% / .35% |
| 12 Month IRA | $500.00 | 1.00% / 1.00% |
| 24 Month IRA | $500.00 | 1.05% / 1.05% |
| 36 Month IRA | $500.00 | 1.10% / 1.10% |
| 48 Month IRA | $500.00 | 1.20% / 1.21% |
| Roth IRA** | ||
| 12 Month IRA | $500.00 | 1.00% / 1.00% |
| 24 Month IRA | $500.00 | 1.05% / 1.05% |
| 36 Month IRA | $500.00 | 1.10% / 1.10% |
| 48 Month IRA | $500.00 | 1.20% / 1.21% |
| Educational Savings*** | ||
| 12 Month | $25.00 | 1.00% / 1.00% |
| 24 Month | $25.00 | 1.05% / 1.05% |
| 36 Month | $25.00 | 1.10% / 1.10% |
| 48 Month | $25.00 | 1.20% / 1.21% |
| DIVIDEND COMPOUNDING AND CREDITING | CREDITED |
|---|---|
| All Savings Account Types | Monthly |
| All CD Types | Quarterly on CD’s anniversary date |
* APY = Annual Percentage Yield
** IRA = Individual Retirement Account. Withdrawal and contribution limitations apply.
*** Withdrawal and contribution limitations apply.
1 Multiple Other Share accounts can help budgeting & saving for goals by keeping funds separate.
2 Holiday Club accounts allow for limited withdrawals: Funds automatically transfer into the Regular Shares/Savings on October 13th each year; if October 13th lands on a weekend or non-business day, the transfer will occur on the next business day. In addition to the automatic yearly transfer, one additional withdrawal between October to October is available. If more than the yearly transfer and the one additional withdrawal between October to October is needed, the Holiday Club will be closed for a full 12-months (from the time of closure) before it will be eligible for re-opening.
3 Minors require an adult joint on accounts. Membership eligibility required of either minor or joint. Minors need not be present, but we encourage their participation. Savings accounts are available for newborns as early as their Social Security Number is issued. Checking accounts are available for ages 15-18 and include a FREE lower-limits Debit Card and Apps. Joint(s) with their own Membership(s) can oversee the Youth’s Account activity from within their Online Banking. Available Upon Request: extra-low Debit Card limits.
4 Fees apply to Business Checking Accounts.
Member eligibility required. All savings and checking rates are variable and may change after the account is opened. Fees may reduce earnings on the account. For certificates and IRAs a penalty will be imposed for early withdrawal. All rates effective as of 02/01/2023 and are subject to change without notice.
Essentia Office
407 E 3rd St. Suite 0210
Duluth, MN 55805
Phone
(218) 740-2244
Fax
218-786-7229
You are about to leave myshareadvantage.com.
You are navigating to VISA®'s Online Access login for the Share Advantage VISA® Credit Card at https://onlineaccessplus.com/oa/myshareadvantage/https://onlineaccessplus.com
/oa/myshareadvantage/
You are about to leave myshareadvantage.com.
You are navigating to VISA®'s uChoose Rewards website for the Advantage Rewards Credit Card at www.uchooserewards.com
