Credit union · NCUA insured
Share Advantage Credit Union Savings Rates
Share Advantage Credit Union’s best savings rate is 2.50% APY on $10,000, with its Money Market. Rates checked October 16, 2026.
How Share Advantage Credit Union’s savings 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
2.50%APY
- Requires
- None
- Minimum
- $2,000
- Earns on $10,000 a year
- $250
Money Market
Top rate
Affinity Plus
3.50%APY
- Requires
- Monthly account activity
- Minimum
- —
- Earns on $10,000 a year
- $350
2nd-highest rate
Huntington Bank
3.25%APY
- Requires
- Another account
- Minimum
- $100
- Earns on $10,000 a year
- $325
Share Advantage Credit Union savings score
89
Savings score
Higher than 87% of U.S. banks and credit unions
- $1,000 balance$1,0000.05%
- $10,000 balance$10,0002.50%
- $100,000 balance$100,0002.50%
- QualifiedQualified2.50%
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 savings score, in each area where it has branches
Every rate
Current savings rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
Money Market
2.50%APY
Rates are variable and based on Average Daily Balance. Membership eligibility required. If balance falls below the $2,000 minimum, earnings are reduced to the Regular Share/Savings rate. Dividends are credited monthly.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $2,000 – $10,000Average Daily Balance tier $2,000.00 - $9,999.99. If the balance falls below the $2,000 minimum, the interest/dividend is reduced to that of a Regular Share/Savings. | 0.15% | — | Average Daily Balance tier $2,000.00 - $9,999.99. If the balance falls below the $2,000 minimum, the interest/dividend is reduced to that of a Regular Share/Savings. |
| $10,000 – $20,000Average Daily Balance tier $10,000.00 - $19,999.99. If the balance falls below the $2,000 minimum, the interest/dividend is reduced to that of a Regular Share/Savings. | 2.50% | $250 | Average Daily Balance tier $10,000.00 - $19,999.99. If the balance falls below the $2,000 minimum, the interest/dividend is reduced to that of a Regular Share/Savings. |
| $20,000 and upAverage Daily Balance tier $20,000.00 and Greater. If the balance falls below the $2,000 minimum, the interest/dividend is reduced to that of a Regular Share/Savings. | 2.50% | — | Average Daily Balance tier $20,000.00 and Greater. If the balance falls below the $2,000 minimum, the interest/dividend is reduced to that of a Regular Share/Savings. |
Sources (1)
- myshareadvantage.com/rates/savings · captured Oct 5, 2026
Other Share
0.05%APY
Average Daily Balance. Multiple Other Share accounts help budgeting & saving for goals by keeping funds separate.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Up to $5,000 | 0.05% | — |
| $5,000 – $25,000 | 0.05% | $5 |
| $25,000 and up | 0.10% | — |
Regular Share
0.05%APY
Rates are calculated on Average Daily Balance. Membership eligibility required. Variable rates subject to change after opening.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Up to $5,000 | 0.05% | — |
| $5,000 – $25,000 | 0.05% | $5 |
| $25,000 and up | 0.10% | — |
Mortgage Escrow Account
0.05%APY
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Any balance | 0.05% | $5 |
Special-purpose accounts
Holiday Club
0.30%APY
Limited withdrawals: Funds automatically transfer into the Regular Shares/Savings on October 13th each year (or next business day if weekend/non-business day). One additional withdrawal between October to October is available. If more withdrawals occur, account will be closed for a full 12-months before eligible for re-opening.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceFunds automatically transfer to Regular Shares/Savings on October 13th each year; one additional withdrawal allowed per year.Any balance | 0.30% | $30 | Funds automatically transfer to Regular Shares/Savings on October 13th each year; one additional withdrawal allowed per year. |
IRA Savings
0.20%APY
Average Daily Balance. Withdrawal and contribution limitations apply. Penalty will be imposed for early withdrawal.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceTraditional IRAAny balance | 0.20% | $20 | Traditional IRA |
Youth Account
0.15%APY
For ages up to 18 years of age. Minors require an adult joint on accounts. Membership eligibility required of either minor or joint. Available for newborns as early as SSN is issued.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceUp to 18 years of age.Any balance | 0.15% | $15 | Up to 18 years of age. |
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.