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Two harbors FCU

 

Do Better

Is your car perpetually leaking something?

Does your exterior have more rust than paint?

Can you see the road moving beneath you when you drive?

You can do better. A vehicle loan from THFCU will almost always save you money over the competition, but with a MORE4LESS vehicle loan, you may soon be driving a big time upgrade, with a low, affordable monthly payment.

Here’s how it works. MORE4LESS uses only a portion of the debt to calculate your get to the end of the term, you can pay off the balloon, refinance the remaining debt, or simply turn in the vehicle and walk away from the final payment. If you walk, any remaining equity can be applied to your next vehicle purchase.

MORE4LESS is available for new or used vehicles. Check out the difference in payment for this popular used Chevy:

M4L Silverado Used

What make and model are you looking for? Build your car and check the payment using our MORE4LESS calculator, found here

APR = Annual Percentage Rate. Rates dependent on credit history, collateral, and term. Assumes a 48 month term 5.74% APR traditional loan and 6.74% APR MORE4LESS loan. Residual: $17,836. MORE4LESS loans include a $325 program fee.

Do Better

 

Couch

Stop digging in those couch cushions. There is money in your home, but what you find in the furniture likely won’t be what you’re looking for.

With values rising, you may be surprised to learn how much your house is worth. That value, less the amount you already owe, is your home’s equity, and in most cases you can borrow against some or all of that amount, typically at rates far better than unsecured debt.

Funds can be used for any reason – a home improvement project, debt consolidation, school tuition, even a well-deserved vacation. Borrow in one lump sum with a home equity loan, or get a line of credit and write yourself a loan for what you need when you need it.

Finding the money in your home starts with a no-obligation conversation. Speak with one of our lenders to learn more about what may be available to you, and how to access it to your maximum benefit.

And remember, even if you don’t have equity, you do have options. Our partnership with the Minnesota Housing & Finance Agency allows you to borrow for improvements without pledging collateral. Learn more here

 

Flex Cash

If your holiday generosity has you a little cash-poor starting out the year, consider Flex Cash, a line of credit attached to your THFCU checking account. Flex Cash advances automatically in the event you overdraw your account, and covers transactions with just enough to take your account to a zero balance. Then, you can pay off your credit line in installments and at a much more relaxed pace, per the terms of the loan agreement.

You can also access Flex Cash directly, transferring funds to your checking or savings account in increments of $100. Transfer by phone or anytime using our digital banking service.

Ready for the added flexibility of Flex Cash? Apply here

Flex Cash

 

NewtoMedicare

If you’re new to Medicare or soon will be, you likely have questions. We have answers. TruLync Medicare Advisors has joined forces with Two Harbors Federal Credit Union to help our members navigate Medicare.

If you have more immediate questions, give us a call and we’ll connect you with a licensed insurance agent to provide you with the answers you seek. No obligation. Just answers.

TruLync Medicare Advisors is not connected with, nor endorsed by, the U.S. Government or the Federal Medicare Program.
NewtoMedicare
One_card

A THFCU Visa Credit Card is your gateway to millions of rewards, and earning them has never been easier. Simply register at uchooserewards.com, then use your THFCU plastic. Every purchase earns you points, which you can track on the uchoose website.

When you’re ready to redeem, choose from over three million merchandise options and gift cards to over 400 brands. Or use your points to donate to any of over 1,000 different charities.

Not enough points? No problem. There’s no minimum point threshold to purchase. If you don’t have enough points to redeem for a full reward, use your THFCU credit card to pay any remaining balance

 

 

Power

We’ve given power to your THFCU plastic with a burst of new features, improved access and more:

THFCU Visa Credit Card

Your online card experience has improved. Look for these new features on THFCU Home Banking:

  • Activate a new card
  • Create or change your Personal Identification Number (PIN)
  • Easy access to uChoose Card Rewards uChoose Card Rewards
  • Make payments
  • Transfer balances from other credits cards
  • Access credit card statements, current or archived
  • Replace a lost or stolen card

If you don’t have THFCU Home Banking, you still have access to these online features. Click this link to visit your personalized card management resource. personalized card management resource.

THFCU Visa Debit Card

New features have been added to your THFCU mobile access. If you routinely travel, fraud detectors will sometimes decline a transaction that appears out of the ordinary. Our new mobile card management platform will allow you to set travel alerts before you depart, making your debit card usage effortless when away from home.

You’ll also be able to temporarily turn off your card whenever you want. Should you misplace your plastic, simply log in to mobile banking to disable the card. If you later recover the card, log in and turn it back on. You’ll have the power to immediately protect your accounts, without closing them indefinitely.

Eager for the power?

Log in to Home Banking to take advantage of these powerful new features. And if you don’t yet have a THFCU debit or credit card, apply now and put the power in your hands.

Power

 

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Anyone shopping for a new home already knows…It’s a sellers’ market. Property moves from FOR SALE to SOLD quickly – If you want to buy, you need to be ready to not only make your offer, but prove you have the financing to make the purchase.

Pre-approving your mortgage at THFCU is a necessary first step in the process. In addition to being ready to offer, pre-approval lets you know how much home you can afford, and can get you a reasonable estimate of your monthly payment.

Start your THFCU mortgage application online, and we’ll even join you to walk through the process. Simply touch base with us before you get started then assign your application to your favorite THFCU lender. We’ll connect and help as needed!

Click this link to connect to our online application.

YOU’RE_ALREADY_TOO_LATE

 

 

A_WHOLE_NEW_LEVEL

WINcentiveTM is a one-of-a-kind savings account, exclusive to credit unions in Minnesota. In many ways it acts just like a normal account. Deposit funds, save, and earn dividends. Here’s where things get better: every time you increase your savings balance by $25 month-over-month, you’ll receive one entry into a cash drawing (up to four per month). Then every month, every quarter, and every year cash prizes are awarded to those with WINcentive accounts statewide.

We’ve had many winners already at THFCU, and you could be next. But you can only win if you save, so ask us about WINcentive today!

2025 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, 2026
Total in 2025 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.
A_WHOLE_NEW_LEVEL

 

 

Easy_Peasy

Why deal with difficult when things can be done easily? Pre-approving your vehicle loan at Two Harbors Federal Credit Union isn’t just easy – It’s Easy Peasy.

Call or visit us and we’ll take you through the quick and painless pre-approval process. When complete, you’ll know how much you can spend, your loan term and an estimate of your monthly payment.

Then go shopping, free of dealer pressure and visits to the finance office. Once you find what you’re looking for, simply write a check for the amount of your purchase and drive off the lot.

Scan or take a photo of the purchase agreement and send it to your loan officer. We’ll reply with loan documents that you can securely sign online.

That’s it – Easy Peasy.

Simple, fast loans at competitive rates and terms. And why not? Our members deserve to have things easy.

Easy_Peasy

 

wherever you go head

Wherever you choose to explore, know you’re never far from your credit union. With our free mobile services, you have 24/7 access to your accounts – check balances, make payments, transfer funds, even deposit checks from anywhere you can get a signal.

Download the TouchBanking app from Google Play or the App Store, use the code thfcumobile to customize your experience. (Be sure to activate your service by logging in to Home Banking on your PC or laptop first).

Learn more on our E-Services page or just give us a call and we’ll walk you through the process in less than five minutes.

wherever you go side

 

Hours & Location

Drive-Up:
Mon - Fri 7:30am to 5:30pm

Lobby:
Mon - Fri 8:00am to 5:00pm

Located at:
801 11th Street
Two Harbors, MN 55616
218-834-2266

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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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