Credit union · NCUA insured
Share Advantage Credit Union Credit Card Rates
Share Advantage Credit Union credit cards start at 11.74% APR on purchases, after any introductory rate. Rates checked October 16, 2026.
How Share Advantage Credit Union’s credit card rates compare
Compared with banks and credit unions near Duluth, MN-WI, where Share Advantage Credit Union has the most branches. Ongoing purchase APR, lowest first.
This credit union’s lowest
Share Advantage Credit Union
11.74%APR
- Up to
- —
Gold Rate Advantage
Lowest rate
Minnesota Power Employee Credit Union
7.90%APR
- Up to
- 15.90% APR
2nd-lowest rate
North Star Credit Union
7.90%APR
- Up to
- —
Share Advantage Credit Union credit card score
75
Credit card score
Higher than 38% of U.S. banks and credit unions
- Purchase APRPurchase APR11.74%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Share Advantage Credit Union ranks
By credit card score, in each area where it has branches
Every rate
Current credit card rates
Rates from the credit union’s website. Most are “as low as” rates for the best credit; yours depends on your credit.
Advantage Rewards
Member eligibility required. Variable APR is current federal prime percentage rate plus index margin based on creditworthiness (index margin as low as 6.99%). Up to $20,000 credit line.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 10.24% | None | Variable APR based on creditworthiness. Rate example calculated as prime rate of 3.25% plus index margin (as low as 6.99%). Credit line up to $20,000. |
Sources (2)
All captured Oct 5, 2026
Credit Builder Advantage
Member eligibility required. Variable APR is current federal prime percentage rate plus index margin based on creditworthiness (index margin as low as 10.79%). Credit lines from $500 to $2,500; credit lines greater than $500 may need secured compensating funds.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 14.04% | $25 | Variable APR based on creditworthiness. Rate example calculated as prime rate of 3.25% plus index margin (as low as 10.79%). Credit line from $500 up to $2,500. |
Sources (2)
All captured Oct 5, 2026
Gold Rate Advantage
Member eligibility required. Variable APR is current federal prime percentage rate plus index margin based on creditworthiness (index margin as low as 4.74%). Up to $20,000 credit line.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 7.99% | None | Variable APR based on creditworthiness. Rate example calculated as prime rate of 3.25% plus index margin (as low as 4.74%). Credit line up to $20,000. |
Sources (2)
All 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.