Credit union · NCUA insured
Share Advantage Credit Union CD Rates
Share Advantage Credit Union’s best CD rate is 1.21% APY on a 4-year share certificate (CD). Terms run from 6 months to 4 years. Rates checked October 16, 2026.
How Share Advantage Credit Union’s CD rates compare
Compared with banks and credit unions near Duluth, MN-WI, where Share Advantage Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Share Advantage Credit Union
1.21%APY
- Term
- 48 months
- Minimum
- $500
- Earns on $10,000
- $493
Time Share
Top rate
Woodlands National Bank
4.87%APY
- Term
- 60 months
- Minimum
- $1,000
- Earns on $10,000
- $2,684
2nd-highest rate
Affinity Plus
4.50%APY
- Term
- 60 months
- Minimum
- $500
- Earns on $10,000
- $2,462
Share Advantage Credit Union CD score
61
CD score
Higher than 4% of U.S. banks and credit unions
- 3–8 months3–8 mo0.35%
- 9–15 months9–15 mo1.00%
- 16–30 months16–30 mo1.05%
- 31–60 months31–60 mo1.21%
- QualifiedQualified1.21%
Each track runs from the lowest to the highest rate among U.S. banks and credit unions; the dot is this rate.Qualified: needs another account or monthly activity.
Where Share Advantage Credit Union ranks
By CD score, in each area where it has branches
Every rate
Current CD rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
Time Share
Up to 1.21%APY · 5 terms
Early withdrawal penalty applies. Dividends credited quarterly on CD anniversary date. Membership eligibility required.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 months | 0.35% | $17 |
| 12 months | 1.00% | $100 |
| 24 months | 1.05% | $211 |
| 36 months | 1.10% | $334 |
| 48 months | 1.21% | $493 |
Sources (1)
- myshareadvantage.com/rates/savings · captured Oct 5, 2026
Special-purpose accounts
IRA Certificate
Up to 1.21%APY · 5 terms
Early withdrawal penalty applies. Dividends credited quarterly on CD anniversary date. Withdrawal and contribution limitations apply. Membership eligibility required. Traditional and Roth IRA wrappers supported.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 monthsTraditional IRA | 0.35% | $17 |
| 12 monthsTraditional IRA / Roth IRA | 1.00% | $100 |
| 24 monthsTraditional IRA / Roth IRA | 1.05% | $211 |
| 36 monthsTraditional IRA / Roth IRA | 1.10% | $334 |
| 48 monthsTraditional IRA / Roth IRA | 1.21% | $493 |
Sources (1)
- myshareadvantage.com/rates/savings · captured Oct 5, 2026
Who can join Share Advantage Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Businesses and other legal entities located in Minnesota's St. Louis and Carlton counties are eligible for membership.
- Persons who live, work, or attend school in Minnesota's St. Louis and Carlton counties are eligible for membership.
Cost to join
- A one-time $10 membership share is required to join, which is reserved in savings for the lifetime of membership and refundable upon closure (unless closed within six months).
Membership information collected October 4, 2026.