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Two harbors FCU



Fish Biting

You may not have even come close to catching your limit, but the day was one you’ll never forget. Time spent relaxing with family and friends made this trip to the lake worth more than all the walleye in the world.

We get it. At Two Harbors Federal Credit Union, nothing is more important to us, either. That’s why we provide the products, convenience, and service to fill your summer with incredible memories.

If you can play in it, we can finance it. From large boats to jet skis, from RVs to off-road motorcycles, THFCU has the rates and terms to keep your payments low and cash out-of-pocket minimal.

Pre-approve most boat or recreational vehicle loans and we’ll give you 1% of the loan amount back in cash. Simply visit us first, then shop the dealers and make your purchase. Return to THFCU to complete the loan and receive your cash rebate immediately. It’s that easy.

Share your summer plans with us, and we’ll share how we can help make them happen. THFCU is a locally owned and operated not-for-profit financial cooperative. Our employees share your values, because they too are part of the Two Harbors community.

Apply online by clicking here. Of course you’re always welcome to stop by or call. Visit with Darla, Jerry, Yancy, Lisa, or any of our team and let us help you do the things that truly matter.

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. APR = Annual Percentage Rate.

Fish Biting



Whenever you use your THFCU Credit Card, you earn points for your purchases. Those points add up – literally – to incredible rewards.

Log in at and register your THFCU Credit Card to get started. As you earn points, check back to see how much you’ve accumulated and what you’re able to spend it on. With thousands of merchandise/travel options and massive point-earning potential, you’ll have the luxury of making many exciting decisions.

Register your card today. If you don’t yet have a THFCU Visa Credit Card, your first decision could be your easiest – Decide to apply today!


Room for improvement

Your house is telling you something. Whether its critters, appliances or ownerinflicted disasters, there is always room for improvement with a home equity loan from your credit union.

Borrowing against the equity in your home is a low cost way to reinvest in your greatest asset - improving your living conditions and the value of property. Rates are extremely competitive and terms can go as long as 20 years. For those that still itemize deductions, there’s a good chance the interest you pay will be tax deductible (but consult your tax advisor to be sure.)

Choose a traditional home equity loan (borrowing in one lump sum) or open a line of credit and borrow only what you need when you need it.

And if your idea of improvement is found outside the home, know that you can use your home equity funds for any reason. Improve your finances by consolidating debt into one low payment. Improve your brainpower (or someone else’s) by funding college tuition. Improve yourself with a well-earned dream vacation.

The choice is yours, and the path toward improvement starts at THFCU. Ask to speak with one of our lending professionals, and we’ll get you started.

Improvements without the Equity

No equity? No problem. THFCU is one of the top lenders in the Minnesota Housing & Finance Agency’s Fix Up program. If you have a household income of $125,900 or less, you’re eligible to apply for up to $15,000 for your next improvement project. Borrow up to the same amount with no income restrictions for energy-friendly projects.

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.

Room for improvement with THFCU


Lets Drive

Summer won’t last long. Pre-approve your THFCU auto loan, get behind the wheel, and get going. Visit us before the dealer to get pre-approved for your purchase. Having your loan arranged will expedite your purchase, getting you off the lot and onto the open road that much faster.

Make one of your stops a return visit to THFCU. We’ll complete your loan and give you 1% of the loan amount back in cash.

If that doesn’t drive you to pre-approve your loan with us, nothing will!

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. APR = Annual Percentage Rate.

Lets Drive


Big truck

You’ve got big plans this summer. Don’t let a big monthly payment get in the way.

Consider the MORE4LESS loan, a unique program that looks like a lease but actually lets you build equity in your purchase. Borrow up to the full amount of your car or truck, but enjoy a payment calculated on only a portion of the debt.

Compare the monthly obligation on a Chevy Equinox in the example to the right. Big savings!

When your loan term is complete, you have the option to pay off the remaining debt or simply turn in the vehicle and walk away.Any remaining equity is yours, and can be applied to your next purchase.

Compare payment amounts on hundreds of makes and models – visit our More4Less calculator

MSRP quoted includes applicable rebates/discounts. Traditional loan assumes 36 month term, 3.44% APR.MORE4LESS loan assumes 36 month term, 4.44% APR, a $14,875 residual, and a $295 program fee. Rates dependent on credit history, collateral, and term.

Big truck small payment



If you financed your vehicle at the dealership, allow us to run a diagnostic.

…Not on the car, but rather on your transaction. We’re confident we can save you money with either a better rate, a more favorable term, or a better value on your warranty or GAP insurance.

Bring us your purchase and loan agreements, and we’ll run the numbers. If we can’t save you money, know you’ve got a great deal and collect $25.00 just for giving us a chance. If we refinance your loan, we’ll thank you even more with $100.00 cash upon signing.

When was the last time you had a diagnostic that put money in your pocket? Call or visit us today!

Rates dependent on credit history, collateral and term.

THFCU loan diagnostic

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!

2019 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, 2020
Total in 2019 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.
Win Cash for Savings Account
Check deposits

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 Go there .

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

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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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.
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