Helping Hand

You picked the right time to start that home improvement project, because we want to give you a helping hand.

For a limited time, THFCU is waiving closing costs on Home Equity Loans. Rates and terms on THFCU home equity loans are already among the best in the area – our home equity loans begin at just
3.59% APR. This special offer could save you hundreds of dollars over and above what you usually save by doing business with your local credit union.

A home equity loan can be used for more than just home improvements. Borrow to consolidate debt, pay tuition, or take a vacation. How you use the funds is entirely up to you. Just remember that the interest you pay is typically tax deductible.

Ready for your helping hand? Visit our office on 11th Street, or call and we’ll take your application over the phone. Of course you can always apply online. Just click the ‘Apply for a Loan’ button at the bottom of this page.

Rates are dependent on credit history, collateral, and/or term. No closing cost offer good for new home equity loans up to $50,000, not including the cost of an appraisal if one is required. Consult a tax advisor regarding deductibility of home equity loan interest.
Helping Hand
Take Two

Maybe you got all caught up in the excitement of that new vehicle and neglected to finance it with THFCU. That’s okay. Mistakes happen.

Fortunately, you can give yourself a second chance with the Take Two vehicle loan special. Refinance your new or used car or truck with THFCU and we’ll reduce your loan rate a full 2.0% APR. You’ll save hundreds – possibly thousands – simply by moving your loan to your credit union.

The savings are real and the process is simple. Bring your existing paperwork in to our 11th Street location, or give us a call and we’ll get you started right over the phone.

Once we reduce your rate, talk to us about postponing your first payment by as many as 90 days. And if you are interested in saving even more, we have a variety of optional insurance coverages that protect your loan and your vehicle. Often these coverages are a fraction of what you pay for them elsewhere.

And if we can’t lower your rate, you can still benefit: We’ll give you 1% of the loan amount back in cash when you bring the balance to THFCU. Ask us for details.

Why wait? Haven’t you paid their high interest rates long enough? Take Two with Two Harbors Federal Credit Union and get the savings you deserve.

Limited time offer, new money only. 2.24% APR floor. Rates dependent on credit history, collateral, and term.
Take Two
House Money

Shopping for a new home? Refinancing your property?

Remember Two Harbors Federal Credit Union is a full service mortgage lender. We offer a variety of loans and terms, and we’re always competitive with other lenders in our market.

Consider how much you’ve saved over the years by financing your vehicles with THFCU, or by using our Rewards Credit Card. Now imagine just how much we can save you when you finance your greatest asset with THFCU.

Need more incentive? Bring us your purchase or refinance mortgage loan and we’ll give you $500 cash at closing. Use those funds to buy extra belongings for your home, or to celebrate your switch to THFCU.

Start the process today – visit with our mortgage team at our 11th Street location.

Limited time offer, new money only. THFCU is an equal housing lender.
House Money
Rewarding Summer

You have plans this summer. Why not reward yourself for seeing them through? Every time you use your THFCU Visa Credit Card, you’re earning ScoreCard Rewards points. How many points have you accumulated over the years? Enough for some backyard toys? A new tablet? A plane ticket or a summer getaway?

Visit with your THFCU Visa Card in hand. Set up a profile with little more than your name and card number and you’ll be able to check your point balance, then shop among thousands of possible summer rewards.

If you don’t have a THFCU Visa, there’s plenty of summer left – Apply today, and ask about consolidating those high-rate bank cards into one low monthly payment.

Rewarding Summer

Save Money, Win Cash with a WINcentive™ Savings Account

If you’re looking for more excitement in your THFCU savings, consider WINcentive, a new savings account that offers members the chance to win cash prizes from a state-wide, credit union exclusive drawing.

Every time you increase your savings balance by $25 month-over-month, you’ll receive one entry into the drawing (up to four per month). Prize drawings occur monthly, quarterly and annually, giving you hundreds of chances to win every year.

Your THFCU WINcentive savings account earns dividends, too. Increasing your balance not only increases your chances of winning, it also gets you closer to your savings goal.

Ask about WINcentive and start saving – and winning – today!

2017 Statewide Prize Drawing Schedule
Prize Drawings Number of Winners Prize Amounts Drawing Dates
Monthly 45 $100 10th of each month
Quarterly 4 $1,000 10th of each month
Annually 1 $5,000 January 10, 2018
Total in 2017 557 $75,000
Winning one prize category (monthly, quarterly, or annual) does not disqualify a participant from winning a different prize category within the same year. Drawings will occur on or about the 10th of each month, or the next business day, for the previous month and/or quarter end. Prize Amounts are estimates and subject to change.
Master Your Summer
April is Youth Month

Introducing Remote Deposit! Now you can deposit checks to your THFCU accounts any time using your smart phone or tablet.

Enrolling is free and easy. Simply call our office or complete and return the user’s agreement found here.

Once enrolled, we’ll give you access to our remote deposit app. Snap a photo of the front and back of your endorsed check, confirm the check amount, and upload it to us. In most cases, we’ll post the funds on the next business day.

Remote Deposit is another free service of Two Harbors Federal Credit Union.

April is Youth Month
Home Equity Loans

Imagine More: Improve your home for less

Low payments, no collateral required: A THFCU exclusive!

Two Harbors Federal Credit Union is the only lender in the area participating in the Minnesota Housing & Finance Authority's Fix Up program, which allows our members to borrow for improvement projects at incredible terms.

No equity or mortgage lien is required to borrow as much as $15,000 for up to 10 years. Extended repayment periods keeps your monthly obligation affordable. A basic unsecured loan requires a household income of $99,500 or less and can be used for dozens of projects including siding, septic, furnace, landscaping, countertops, decks, foundation, garage expansion and more. Get the full list of eligible improvements here.

The Energy Incentive Loan also provides unsecured credit for up to $15,000 and terms to 10 years with no income restriction. Use these dollars for such improvements as heating and air replacement, light fixtures, insulation, windows and more. Get the complete list of eligible improvements here.

Learn more about the Minnesota Fix-Up Program at Then visit with a member of our lending team. We'll answer your questions and secure the financing that makes the most sense for your project.

We're proud to exclusively offer this program in the Two Harbors area, and look forward to helping you imagine more.

Home Equity Loans
Switch to Sprint

If you need an incentive to change your wireless service, Sprint has an offer exclusive to credit union members. Make the switch to Sprint and get $100 cash with every new line. This is Sprint’s best credit union member offer ever.

If you’re already a Sprint customer, transfer into Sprint Credit Union Member Cash Rewards and receive $50 cash for every line transferred. Plus get a $50 loyalty cash reward every year, for every line.

How much cash will you get back? Find out by registering at

Switch to Sprint
Hours & Location

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

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