Winter Prep

It’s autumn in Minnesota. Summer is already a dim memory, but we’re still in that glorious grace period before the snow starts to fly. It’s an ideal time to take on those home improvement projects as we prepare for winter.

Your credit union is here to help, regardless of the project size. Just as there is a tool for every job, there is a THFCU service for every home improvement project:

Small to Medium Improvements: THFCU Visa Project ideas: Granite countertop in the bathroom – Paint and trim the living room – Stain/seal the deck

THFCU service: Visa Credit Card. When shopping at the local hardware or DIY store, your THFCU Visa is the perfect companion. If you pay your balance in full every month, your purchases enjoy a 25-day grace period with no interest. If you have an existing balance or choose to roll the debt forward, your annual percentage rate is only 9.90% APR, far below the national average rate.

Medium Improvements: Fix-Up Loan Project ideas: New water conditioner – driveway repairs – septic repair/replacement

THFCU service: MHFA Fix-Up Loan THFCU is the only lender in our area participating in the Minnesota Housing & Finance Agency’s Fix Up program, which allows qualifying members to borrow for improvement projects at incredible terms and without collateral.

A basic unsecured Fix Up Loan requires a household income of $99,500 or less and allows you to borrow as much as $15,000 for up to 10 years.

Or consider the Energy Incentive Loan, which provides loans for energy-friendly projects like windows or insulation. The Energy Incentive Loan has no income restriction.

Learn more about our Fix-Up Loans.

Medium to Large Improvements: Home Equity or HELOC Project ideas: Replace the roof – Kitchen remodel – Insulate and heat the garage

THFCU service: Home Equity Loan or Line of Credit

Bigger projects result in bigger advantages when financing at THFCU. Our home equity programs allow you to borrow against the equity in your home at an incredible rate and terms of up to 15 years. The interest you pay is typically tax deductible, and the funds can be used for any reason (not just home improvement).

Borrow in one lump sum at a fixed interest rate with our traditional home equity loan, or access equity funds whenever you need them with a variable rate home equity line of credit.

Rates are dependent on credit history, collateral, and/or term. Consult a tax advisor regarding deductibility of home equity loan interest. Equal Housing Lender.

Winter Prep

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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