Joining THFCU

Membership in Two Harbors Federal Credit Union is open to anyone who lives, works, attends school or worships in Lake County, Lakeside and Lester Park neighborhoods in Duluth, and townships north from Lester Park including Bassett.

If you qualify for membership a $5.00 deposit to a share savings account makes you a member/owner of Two Harbors Federal Credit Union, and entitles you to apply for any of our services.

Visit our office to open your THFCU membership, or open - and fund - your membership online by clicking here .

What makes credit unions different?

There is no financial institution quite like a credit union. While we are similar to banks in the services we offer, our structure and our mission are very different. If you choose to do business with a credit union, we encourage you to experience the difference at THFCU.

Credit Unions Banks
Not-for-profit, but for service. Profit-motivated
Profits return to members as lower loan rates, higher deposit rates, & lower/fewer fees Return profits to a small group of stockholders
Invests directly back to members Invests in corporate bonds or the stock market
Serves a field of membership (THFCU serves Two Harbors and surrounding communities) Serves the general public
Member-owned Controlled by stockholders and paid officials
Federally insured by the National Credit Union Administration (NCUA) Federally insured by the Federal Deposit Insurance Corporation (FDIC)
Volunteer, member-elected Board of Directors
One member = One vote
Paid Board of Directors represents owners; Only stockholders vote. Number of votes a stockholder gets is dependent on their level of ownership
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Hours & Location

Drive-Up:
Mon - Fri 7am to 6pm

Lobby Hours:
Mon & Fri 8am to 6pm
Tues, Wed, Thur 8am to 5pm

Located at:
801 11th Street
Two Harbors, MN 55616
218-834-2266


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Two Harbors Federal Credit Union is not responsible for accuracy, security, content, or services offered by other websites; we encourage you to view privacy & security disclosures of all websites you visit as they may be different than those of Two Harbors Federal Credit Union.
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