Savings Rates

Sharing the advantages of saving for tomorrow

SAVINGS & CHECKINGMIN DEPOSITAPY*
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 - $5,000.00NA.05%
$5,000.01 - $25,000.00NA.05%
$25,000.01 and GreaterNA.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 Club2NA.30%
Mortgage Escrow AccountNA.05%
Checking
CheckingNA0.00%
Youth Checking3 (ages 15-18)NA0.00%
Business Checking4NA0.05%
Investment - Average Daily Balance
Traditional IRA**$100.00.20%
Roth IRA**$100.00.20%

CDs / CERTIFICATES OF DEPOSITMIN DEPOSITRATE / APY*
Time Share
6 Month$500.00.25% / .25%
12 Month$500.00.40% / .40%
24 Month$500.00.60% / .60%
36 Month$500.00.70% / .70%
48 Month$500.00.90% / .90%
Traditional IRA**
6 Month IRA$500.00.25% / .25%
12 Month IRA$500.00.40% / .40%
24 Month IRA$500.00.60% / .60%
36 Month IRA$500.00.70% / .70%
48 Month IRA$500.001.00% / 1.00%
Roth IRA**
12 Month IRA$500.00.40% / .40%
24 Month IRA$500.00.60% / .60%
36 Month IRA$500.00.70% / .70%
48 Month IRA$500.001.00% / 1.00%
Educational Savings***
12 Month$25.00.40% / .40%
24 Month$25.00.60% / .60%
36 Month$25.00.70% / .70%
48 Month$25.001.00% / 1.00%

DIVIDEND COMPOUNDING AND CREDITINGCREDITED
All Savings Account TypesMonthly
All CD TypesQuarterly 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 is available each year. If more than the yearly transfer and the one additional withdrawal is needed within the same year, the Holiday Club will be closed for a full 12-months 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.

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 05/01/2022 and are subject to change without notice.

Main Office
2502 Maple Grove Rd.
Duluth, MN 55811

Phone
(218) 722-5931

Fax
218-740-3080

Hours &  Map

Essentia Office
407 E 3rd St. Suite 0210
Duluth, MN 55805

Phone
(218) 740-2244

Fax
218-786-7229

Hours &  Map

West Duluth Office
4918 Grand Ave.
Duluth, MN 55807

Phone
(218) 740-2222

Fax
218-740-2255

Hours &  Map

 2018 Share Advantage Credit Union. All Rights Reserved.