Auto Loans

Before you shop for your next car, pre-approve your loan at THFCU. We'll show you how much you can spend and the impact on your monthly budget. We'll offer one of the most competitive interest rates in our market.

We'll also give you cash. When you're ready to purchase, write a check for the full amount then visit us the next day to fund the loan and complete the paperwork. We'll then give you 1% of the loan amount back in cash.

How about that? A cash reward just for doing business with your credit union. You may never look at car shopping the same way again!

Loan rates presented are the lowest available, may include relationship discounts (up to 0.5% APR) and may change dependent on credit history, collateral, or term. Cash-back offer must be approved by THFCU prior to purchase and is subject to verification of security interest.
Certificate Rates


Sled Loans

Getting there is most of the fun.

A fresh layer of powder is down. It's time to hit the trails. Fire up that new sled and get comfortable. Your destination isn't important, because getting there is most of the fun.

Embracing winter is what makes us Minnesotans, and there is no better way to experience the season than on a brand new snowmobile. The fun begins with an affordable loan from Two Harbors Federal Credit Union.

If you're convinced and ready to shop, visit us before the dealership to pre-approve your loan. Pre-approval helps to speed up the purchase process (just write a check) and ensures you're getting some of the most competitive rates and terms in the market. Additional savings on optional services like loan insurance are also an option. For a few extra dollars per payment your loan and collateral is protected.

Once that snowmobile is yours, return to THFCU on the next business day with your purchase agreement. We'll finish the paperwork while you wait, and will rebate you 1% of the loan amount back in cash. Then hop on your new sled and enjoy the journey.

Too late?

If you're already living the dream and have financed your sled with someone else, it's not too late to save. Visit us to roll your debt into a THFCU loan, a consider adding additional funds for equipment and accessories. Once approved, receive a 1% cash rebate for the total amount of the refinanced balance.

Regardless of whether you purchase or refinance, remember too that you have the option of postponing your first payment for as many as 90 days.

Don't let the winter pass you by. Visit our new location or call to begin your pre-approval or refinancing today.

Snowmobile/ATV Loans as low as 2.49% APR.

Loan rates presented are the lowest available, may include relationship discounts (up to 0.5% APR) and may change dependent on credit history, collateral, or term. Cash-back offer must be approved by THFCU prior to purchase and is subject to verification of security interest.

Sled Loans
Auto Loans

Before you shop for your next car, pre-approve your loan at THFCU. We'll show you how much you can spend and the impact on your monthly budget. We'll offer one of the most competitive interest rates in our market.

We'll also give you cash. When you're ready to purchase, write a check for the full amount then visit us the next day to fund the loan and complete the paperwork. We'll then give you 1% of the loan amount back in cash.

How about that? A cash reward just for doing business with your credit union. You may never look at car shopping the same way again!

Loan rates presented are the lowest available, may include relationship discounts (up to 0.5% APR) and may change dependent on credit history, collateral, or term. Cash-back offer must be approved by THFCU prior to purchase and is subject to verification of security interest.
Certificate Rates


We Miss you

Re-enroll in digital services today!

Last fall we upgraded our processing system, and in so doing reset access to digital services for many of our members. If you haven’t re-enrolled in Online Banking, Mobile Banking, Bill Pay, E-Statements and 24 Hour Teller (ARM), we encourage you to return.

Remember, all of these services are free for members and we’re ready to assist you during this transition. Call or visit today.

Sled Loans

In an unsure investment market, Two Harbors Federal Credit Union has the stability you need with federally insured deposits and a healthy return on your investment. Consider one or more of our share certificates and enjoy many happy returns.

Invest as a traditional certificate or an Individual Retirement Account (IRA)!

APY = Annual Percentage Yield. $2,500 minimum deposit. A penalty may be imposed for early withdrawal of credit union funds.
Certificate Rates
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 mnhousing.gov. 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
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


Back to Top
THIRD PARTY SITE DISCLAIMER - Before you leave us...
Note that you are now departing the Two Harbors Federal Credit Union website.
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.
Visit our site again soon.

Continue Cancel