Member Benefits

Loan Calculators

Calculate payments, choose terms, compare loans and much more on our calculator page.

Cash back on select loans!

Earn cash back on new/used vehicle loans, recreational (boat/jet ski/RV/ATV/Motorcycle/Sled) loans and unsecured loans. Pre-approve or refinance:

Cash back for Pre-Approved Loans

Be prepared for your purchase and gain the upper hand in your purchase negotiation. Before you shop visit with us to get your interest rate, loan terms, payment amount, and financing options. Visit, call, or e-mail us to pre-approve your next loan. No appointment necessary.

Write a check for your purchase, then return to THFCU on the next business day to fund your loan and receive 1% of the loan amount back in cash.

Cash back for Refinanced Loans

If you have a loan with another financial institution and are not content with your monthly payment or rate, consider refinancing your loan with Two Harbors Federal Credit Union. If you qualify to refinance you'll most likely enjoy a lower rate and receive 1% of the loan amount back in cash.

How much will you get? 1% Cash Back Examples

$5,000 refinanced = $50 Cash Back
$10,000 refinanced = $100 Cash Back
$60,000 refinanced = $600 Cash Back
$100,000 refinanced = $1,000 Cash Back

Cash-back offer must be approved by THFCU prior to purchase and is subject to verification of security interest.

Relationship Pricing "Buy-down"

Your THFCU Annual Percentage Rate (APR) may be discounted on qualifying loans. The discount will depend on the type of loan and the number of THFCU services you presently use.

Any or all of the following groups of services may qualify you for this buy-down:

  • Home Banking
  • Money Market Account
  • VISA Debit card
  • IRA or Share Certificate
  • Active, existing Checking Account or Share Draft Plus Account
    • New may qualify with a direct deposit activation
  • Direct Deposit or Periodic Payment (must be active for entire life of loan)

The first Buy-down is 0.25% APR off for two services and an additional 0.25% APR for any third service for a maximum buy-down of 0.50% APR. Ask a loan officer for details.

Home Equity Loans
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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