--- title: "Share Advantage Credit Union Rates - Minnesota" description: "Current mortgage, vehicle loan, and personal loan rates from Share Advantage Credit Union in Minnesota. Updated daily with source verification. See who can join Share Advantage Credit Union — verified membership eligibility with the requirements and cost to join." canonical: "https://rateapi.dev/credit-unions/minnesota/share-advantage" last-updated: "2026-11-13" source: "https://rateapi.dev/llms.txt" --- # Share Advantage Credit Union Rates - Minnesota ### Mortgage rates 1 offer | Product | Published | Rate | Term / condition | Status | | **Construction Loan** other | — APR | 6.000% | — | Standard | Share Advantage Credit Union mortgage rates as of November 10, 2026 ### Auto & vehicle rates 6 offers | Product | Published | Rate | Term / condition | Status | | **Autos new to 2 years old** auto_new_24mo | — APR | 5.990% | 24 mo · new | Standard | | **Autos 3-7 years old** auto_any_84mo | — APR | 6.240% | 84 mo | Standard | | **Autos 8+ years old** auto | — APR | 7.740% | — | Standard | | **RV/Motorhome new to 4 years old** rv_new_48mo | — APR | 9.240% | 48 mo · new | Context only | | **RV/Motorhome 5-9 years old** rv_any_108mo | — APR | 9.740% | 108 mo | Context only | | **RV/Motorhome 10+ years old** rv | — APR | 10.740% | — | Standard | Share Advantage Credit Union auto & vehicle rates as of November 10, 2026 ### Personal loan rates 2 offers | Product | Published | Rate | Term / condition | Status | | **Signature Loan** personal_unsecured | — APR | 11.740% | — | Standard | | **Overdraft Protection Line-of-Credit $25 Min. Payment** personal | — APR | 15.150% | — | Standard | Share Advantage Credit Union personal loan rates as of November 10, 2026 ### Other rates 2 offers | Product | Published | Rate | Term / condition | Status | | **LTV * TO 80%** other | — % | 6.250% | — | Standard | | **LTV * TO 90%** other | — % | 7.990% | — | Standard | Share Advantage Credit Union other rates as of November 10, 2026 Share Advantage Credit Union is a credit union in Minnesota. Rate data is being verified. > Source: [RateAPI.dev](https://rateapi.dev/credit-unions/minnesota/share-advantage) , verified from [Share Advantage Credit Union's official website](https://www.myshareadvantage.com/) Loading branch locator… ## About Share Advantage Credit Union Institution facts reported to the National Credit Union Administration for Invalid Date. Members 3.4K Assets $58.5M Founded 1926 Locations reported 3 NCUA charter 60242 Charter type Federally insured state-chartered credit union ### Services and member support - Online membership application - Online loan application - Open an account online - Electronic statements - Mobile check deposit - Mobile payments - Financial counseling - Student scholarships Source: [NCUA quarterly call report](https://ncua.gov/analysis/credit-union-corporate-call-report-data/quarterly-data) . Services are institution-reported; confirm availability with the credit union. ### Other credit unions with branches nearby Compare membership, services, and rates from other institutions with an NCUA-reported branch nearby. [**Harbor Pointe** Miller Hill Branch · Duluth · MN · 55811 Branch in the same ZIP](https://rateapi.dev/credit-unions/minnesota/harbor-pointe) [**Centricity** Hermantown Office · Hermantown · MN · 55811 About 0.4 miles away](https://rateapi.dev/credit-unions/minnesota/centricity) [**North Shore** Duluth - Pike Lake · Duluth · MN · 55811-1229 About 2.7 miles away](https://rateapi.dev/credit-unions/minnesota/north-shore) [**Affinity Plus** Duluth · Duluth · MN · 55811-1811 About 3.4 miles away](https://rateapi.dev/credit-unions/minnesota/affinity-plus) [**Minnesota Power Employees** Miller Plaza · Duluth · MN · 55811-5613 About 3.9 miles away](https://rateapi.dev/credit-unions/minnesota/minnesota-power-employees) [**Members Cooperative** Miller Hill · Duluth · MN · 55811-5448 About 4.4 miles away](https://rateapi.dev/credit-unions/minnesota/members-cooperative) Nearest-first estimates use the center of your Census ZIP area and NCUA-reported branch locations. Distances are straight-line estimates, not driving distance. ## Who Can Join Share Advantage Credit Union Membership eligibility from Share Advantage Credit Union's own published criteria. [How we verify this](https://rateapi.dev/eligibility-methodology) . Membership criteria are published on Share Advantage Credit Union's website. Check the membership page below to confirm whether you qualify. - Location st. louis, carlton — MN - Employer Essentia Health, St. Lukes Hospital, United States Postal Service (USPS) Verified from [Share Advantage Credit Union's membership page](https://www.myshareadvantage.com/how-to-join) . Final membership determination is always made by the credit union. ## Membership rules for Share Advantage Credit Union Geography 2 counties · Employers 3 · Family 2 15 published paths to membership, last verified August 27, 2026, quoted from Share Advantage Credit Union’s own published criteria. ### Geography 2 Auto-verified against the source page quoted from the credit union’s own published criteria · last verified August 27, 2026 - Carlton County, MN - St. Louis County, MN “We are proud to serve Northlanders who live, work, worship, or attend college or university in Minnesota's St. Louis and Carlton counties.” > [source ↗](https://www.myshareadvantage.com/how-to-join) ### Employers 3 Auto-verified against the source page quoted from the credit union’s own published criteria · last verified August 27, 2026 - Employee of Essentia Health “Being employed by one of our select employer groups: Essentia Health, St. Lukes Hospital, United States Postal Service (USPS)” > [source ↗](https://www.myshareadvantage.com/how-to-join) - Employee of Essentia Health - Employee of St. Lukes Hospital “Being employed by one of our select employer groups: Essentia Health, St. Lukes Hospital, United States Postal Service (USPS)” > [source ↗](https://www.myshareadvantage.com/how-to-join) - Employee of St. Lukes Hospital - Employee of The United States Postal Service (USPS) “Being employed by one of our select employer groups: Essentia Health, St. Lukes Hospital, United States Postal Service (USPS)” > [source ↗](https://www.myshareadvantage.com/how-to-join) - Employee of The United States Postal Service (USPS) ### Family 2 Auto-verified against the source page quoted from the credit union’s own published criteria · last verified August 27, 2026 - Family of a member relative, household member “Immediate relatives of current members (by blood, law, or domestic partnership) or those who live in the same household as a current member.” > [source ↗](https://www.myshareadvantage.com/how-to-join) - Family member (relative, household member) of a member - Family of a member immediate relatives, household member “Immediate relatives of current members (by blood, law, or domestic partnership) or those who live in the same household as a current member.” > [source ↗](https://www.myshareadvantage.com/how-to-join) - Family member (immediate relatives, household member) of a member Every rule cites the exact sentence it came from; absence of evidence means unknown, never no. [How we verify membership rules](https://rateapi.dev/eligibility-methodology) . Final membership determination is always made by the credit union. Is this right for Share Advantage Credit Union? Yes No ## Work at Share Advantage Credit Union? This page is seen by prospective members comparing rates — and by the AI assistants they ask. Claim this profile to correct or update rates, add missing products, and get your free rate scorecard showing where Share Advantage Credit Union ranks against Minnesota peers. - See which AI assistants fetched Share Advantage Credit Union’s rates, and how often - See which of your products the RateAPI API returned, and where you rank in Minnesota - Correct anything we publish about you that is wrong [Claim this credit union](https://rateapi.dev/for-credit-unions/claim?cu=share-advantage&state=minnesota&code=MN&name=Share%20Advantage%20Credit%20Union) [How scorecards work](https://rateapi.dev/for-credit-unions) ## Frequently Asked Questions ### What rates does Share Advantage Credit Union offer? Share Advantage Credit Union currently offers mortgage, vehicle loan, and personal loan rates. The rates shown on this page were last verified November 10, 2026 directly from the credit union's official website. ### How often are Share Advantage Credit Union rates updated? RateAPI verifies Share Advantage Credit Union's rates daily by scraping its official website, then normalizing the data. The figures on this page were last verified November 10, 2026. ### Where does RateAPI get Share Advantage Credit Union's rate data? Rate data is collected directly from Share Advantage Credit Union's official website. RateAPI has no pay-to-rank incentives; see the methodology page for how rates are collected and normalized. ### Who can join Share Advantage Credit Union? Share Advantage Credit Union publishes its membership criteria on its own website. RateAPI tracks 15 published membership paths covering 2 counties and 3 employers for Share Advantage Credit Union, each quoted from Share Advantage Credit Union's own published membership criteria. Immediate family of an existing member also qualify. ## Related Rate Data Compare Share Advantage Credit Union's rates against national credit-union benchmarks. [More Minnesota credit unions](https://rateapi.dev/credit-unions/minnesota) [Minnesota mortgage rate leaders](https://rateapi.dev/mortgage-rates/minnesota) [Minnesota auto loan rate leaders](https://rateapi.dev/auto-loan-rates/minnesota) [Minnesota personal loan leaders](https://rateapi.dev/personal-loan-rates/minnesota) [Mortgage rate benchmark](https://rateapi.dev/mortgage-rate-benchmark) [Auto loan rate benchmark](https://rateapi.dev/auto-loan-rate-benchmark) [How we verify rates](https://rateapi.dev/methodology) ### Source Information Rate data is scraped directly from the credit union's official website and verified daily by our automated systems. [View Original Source](https://www.myshareadvantage.com/) ### Methodology Learn how we collect, normalize, and verify rate data with full transparency and no pay-to-rank incentives. [View Methodology](https://rateapi.dev/methodology) ## Track Share Advantage Credit Union rates Get a free API key to query these rates programmatically, or get the daily email when Minnesota credit union rates move. Get a free API key [Daily rate email](https://rateapi.dev/daily-rate-emails) ## Use it via API Access this data programmatically with our REST API terminal ``` # Get rates for Share Advantage Credit Union curl "https://api.rateapi.dev/credit-unions/minnesota /share-advantage " \ -H "Authorization : Bearer YOUR_API_KEY" ``` [Explore API Documentation](https://api.rateapi.dev/) [Use with Claude](https://rateapi.dev/#mcp) Branch locator ## Share Advantage Credit Union locations Search, filter, and browse all 3 NCUA-reported locations. Use my location Search branches Apply Sort near a ZIP **Loading branches…** Branch services ATM Drive-through Member services Shared branch Skip to main content --- Source: https://rateapi.dev/credit-unions/minnesota/share-advantage Rate data API: https://api.rateapi.dev · OpenAPI: https://api.rateapi.dev/openapi.json · MCP: https://mcp.rateapi.dev/mcp