Overview / Commentary
2502 Maple Grove Rd
Duluth, MN 55811-1864

Share Advantage Credit Union is headquartered in Duluth and is the 53rd largest credit union in the state of Minnesota. It is also the 2,444th largest credit union in the nation. It was established in 1926 and as of December of 2018, it had grown to 12 employees and 3,960 members at 3 locations. Share Advantage Credit Union has a B+ health rating.

Field of Membership Restrictions

Membership is open to those who live, work or attend school in Minnesota's St. Louis and Carlton counties.
See current membership details


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Additional Factors: Institutions with a small asset base, a short operating history, or negative return on assets can represent an instability risk beyond what their financial ratios indicate. Share Advantage Credit Union has a low asset base.

Health Grade Components

NCUA #60242
Year Chartered1926
Primary Regulator
Profit Margin
Return on Assets - YTD0.45%
Return on Equity - YTD5.01%
Annual Interest Income$1.5MM
Assets and Liabilities
AssetsQ4 2018vs Q4 2017$44.2MM$41.6MM
LoansQ4 2018vs Q4 2017$29.0MM$25.8MM
DepositsQ4 2018vs Q4 2017$38.5MM$36.7MM
Equity CapitalQ4 2018vs Q4 2017$4.0MM$3.8MM
Loan Loss AllowanceQ4 2018vs Q4 2017$204.00K$215.00K
Unbacked Noncurrent LoansQ4 2018vs Q4 2017$21.00K$4.00K
Real Estate OwnedQ4 2018vs Q4 2017$0$0
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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Share Advantage Credit Union Savings Account Rates

0.40%--Holiday Club
0.35%--IRA Share Account
0.15%$5-Youth Account
0.10%*$25k*-Regular Share
OTHER TIERS: 0.05% Up to $25k
0.05%--Mortgage Escrow Account

Share Advantage Credit Union Money Market Rates

0.25%*$20k*-Money Market
OTHER TIERS: 0.20% Up to $20k

Share Advantage Credit Union CD Rates

1.31%$500-48 Month Time Share Certificate
1.15%$500-36 Month Time Share Certificate
0.70%$500-24 Month Time Share Certificate
0.60%$500-12 Month Time Share Certificate
0.40%$500-6 Month Time Share Certificate

Share Advantage Credit Union IRA Rates

1.41%$500-48 Month IRA Certificate
1.41%$25-48 Month Education Savings Certificate
1.40%$500-48 Month Roth IRA Certificate
1.26%$500-36 Month IRA Certificate
1.26%$25-36 Month Education Savings Certificate
1.25%$500-36 Month Roth IRA Certificate
0.90%$500-24 Month IRA Certificate
0.90%$500-24 Month Roth IRA Certificate
0.90%$25-24 Month Education Savings Certificate
0.40%$500-12 Month IRA Certificate
0.40%$500-12 Month Roth IRA Certificate
0.40%$25-12 Month Education Savings Certificate
0.30%$500-6 Month IRA Certificate

Share Advantage Credit Union Locations
Branch Office2502 Maple Grove RdDuluth, MN 55811-1864
Branch Office407 E 3rd StDuluth, MN 55805-1984
Branch Office4918 Grand AveDuluth, MN 55807-2604

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