Skip to Main Content
Two harbors FCU



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.)

Last but not least, we’ve extended our ‘No Closing Cost’ promotion – available for a limited time only!

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.

No closing costs on lines up to $75,000. If an appraisal is required, member will be charged the cost of the appraisal.

Room for improvement with THFCU


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, 3.54% APR.MORE4LESS loan assumes 36 month term, 4.54% APR, a $15,175 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


Auto Loans

That empty parking spot has got you thinking of ways to fill it. Before you shop for that new car or truck visit your friends at THFCU. We’ll pre-approve your loan and put you in the negotiation driver’s seat before you even get to the dealership.

Once you decide 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.

Great rates, the convenience of pre-approval and cash in your pocket. Now that hits the spot!

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.

Auto Loans as low as 2.74%

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

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

Back to Top