Strong Promotion

While everyone else is recovering from the holidays, you can start strong in 2018. All it takes is the financial muscle of your local credit union - one that’s been keeping the Two Harbors community fiscally fit for over 65 years.

We’ll Spot You: Loan Pre-Approval with Cash Back
Shopping for a new car, truck, or snowmobile? Visit us before the dealership and we’ll pre-approve your loan, putting you in the negotiation driver’s seat. When the dealer sees you are pre-approved, they know you’re ready to buy and won’t settle for anything less than the best price available.

After deciding on your vehicle, simply write a check, take possession, and return to THFCU with the purchase agreement. We’ll fund the loan and give you 1% of the loan amount back in cash!

Power in your Property: Home Equity Loans
There’s value under your roof. When you borrow against the equity in your home, you command a competitive annual percentage rate and access to funds that can be used for any reason – home improvements, college tuition, even a vacation getaway. Or consolidate your holiday debt into a single monthly payment.

Borrow in one lump sum at a fixed interest rate, or consider a Home Equity Line of Credit (HELOC) where you can write yourself a loan big or small whenever you want.

Start with a visit to THFCU, and we’ll start with a free home valuation (with approved credit for a limited time). Knowing your home’s equity is the first step in building a stronger - and smarter - financial future.

Beef up your Portfolio: Certificate and IRA investing
Regardless of where rates will go in 2018, THFCU has an investment solution for you. Some of the best rates in our market coupled with terms from 6 to 60 months gives you ample opportunity to strengthen your financial position.

Invest as a regular certificate, or plan ahead and enjoy the tax advantages of an Individual Retirement Account (IRA). Your THFCU deposits are federally insured up to $250,000. IRA deposits are insured separately up to an additional $250,000.

Higher rates are available with Jumbo Series Pricing – Call for details.

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


Auto Loan

Shopping for a new car should be fun, but sometimes the experience adds unnecessary stress. Make just one stop before you shop and your purchase will not only be more enjoyable, it will actually put cash in your pocket.

Visit (or call) THFCU before the dealership and pre-approve your auto loan. Shop stress-free, knowing you already qualify for one of the best rates in our market. Write a check for your new car, then return to THFCU with your purchase agreement. We’ll finish the paperwork and give you 1% of your loan amount back in cash.

THFCU can all but ensure a thoroughly rewarding car-buying experience. Why not make the stop, before you shop?

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.

Winter Prep



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.
Win Cash for Savings Account
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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