Credit Cards

Build Credit, Earn Rewards, or get a Gold Rate brought to you by Share Advantage & VISA®!

CREDIT BUILDER ADVANTAGE

  • Allows you to build credit for the future
  • Low starting credit line of $500
  • Up to $2,500 credit line
  • Credit lines greater than $500 may need secured compensating funds
  • With My Cards in our online banking and app1 , view near real-time transaction history, find a variety of payment methods, and set customizable security.
    Set customized security alerts & restrictions, and turn your card(s) on & off.
  • Cash Advances
    FREE ATMs available on the Nationwide MoneyPass2 network
  • $25 Annual Fee
  • Variable APR*
  • Balance transfer & convenience checks are unavailable

ADVANTAGE REWARDS

  • Earn 1.25 points on every $1 spent for redemption at uChooseRewards.com
  • Up to $20,000 credit line
  • With My Cards in our online banking and app1 , view near real-time transaction history, find a variety of payment methods, and set customizable security.
    Set customized security alerts & restrictions, and turn your card(s) on & off.
  • Cash Advances
    FREE ATMs available on the Nationwide MoneyPass2 network
  • Convenience Checks
  • NO Annual Fee
  • FREE Balance Transfer
  • Variable APR*

GOLD RATE ADVANTAGE

  • Lowest Interest Rate
  • Up to $20,000 credit line
  • With My Cards in our online banking and app1 , view near real-time transaction history, find a variety of payment methods, and set customizable security.
    Set customized security alerts & restrictions, and turn your card(s) on & off.
  • Cash Advances
    FREE ATMs available on the Nationwide MoneyPass2 network
  • Convenience Checks
  • NO Annual Fee
  • FREE Balance Transfer
  • Variable APR*
  • Reward points unavailable

* APR = Annual Percentage Rate. All cards are variable rate. Base rates are the current federal prime percentage rate PLUS the card's index margin percentage rate. Each card's index margin percentage rate is based on creditworthiness. The Credit Builder Advantage's index margin is as low as 10.79%. The Advantage Rewards' index margin is as low as 6.99%. The Gold Rate Advantage's index margin is as low as 4.74%. Member eligibility required.

1 App available for download at Google Play & Apple App stores. Data carrier fees may apply.

2 MoneyPass App available for download at Google Play and Apple App stores. Data carrier fees may apply. MoneyPass.com

Advantage Rewards and Gold Rate Credit Cards Agreement and Disclosure
Credit Builder Credit Card Agreement and Disclosures

Contact a Loan Officer Today or

Shawn Crowser Executive VP Duluth Minnesota Share Advantage Credit Union

Shawn Crowser | Executive VP | NMLS#504790

Shawn Crowser
Executive VP
NMLS#504790

218-740-2231218-740-2231
scrowser@myshareadvantage.com

Michele Prigge Essentia Branch Manager Duluth Minnesota Share Advantage Credit Union

Michele Prigge | Essentia Branch Manager

Michele Prigge
Essentia Branch Manager

218-740-2244218-740-2244
mprigge@myshareadvantage.com

Stephanie Gorman Essentia Branch Manager Duluth Minnesota Share Advantage Credit Union

Stephanie Gorman | Essentia Branch Manager

Stephanie Gorman
Essentia Branch Manager

218-740-2244218-740-2244
sgorman@myshareadvantage.com

Main Office & Mailing Address
2502 Maple Grove Rd.
Duluth, MN 55811

Phone
(218) 722-5931

Fax
218-740-3080

Hours &  Map

Essentia Office
Miller Dwan Building Lobby
502 E 2nd St. Bldg.C Ste.L8412
Duluth, MN 55805

Phone
(218) 740-2244

Fax
(218) 336-0112

Hours &  Map

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