What does it take to be a Hero of Personal Finance? It’s really quite easy, and doesn’t require getting struck by a lightning bolt or bitten by a radioactive spider. Simply visit THFCU and we’ll give you the power to save, earn, learn, and shop.
POWER IN YOUR PAYMENTS
Price tags on new vehicles can be diabolical, but with the MORE4LESS Vehicle Loan, you can actually lower your monthly payment. MORE4LESS calculates payments on a portion of the debt while the remaining balance is kept separate as a balloon. At the end of the term either pay off the balance, refinance the remaining debt, or turn in the vehicle and pocket the equity. Available for used vehicles too!
Feel the Power! Visit our MORE4LESS Calculator to build your HeroMobile and compare payments to traditional loans.
POWER IN YOUR PROPERTY
With home values on the rise, you may more equity in your property than you realized. Borrow against that balance to affordably finance home improvement projects. Or use the funds for any reason – consolidate debt, take a trip, or treat yourself to something super.
POWER IN YOUR PLASTIC
Your THFCU credit card earns rewards with every purchase. Use your card, let the points accumulate, then cash them in for merchandise, travel packages, gift cards, and more. Enroll in rewards and check your point balance at uchooserewards.com
POWER IN PRE-APPROVAL
Want the upper hand at the dealership? Pre-approve your next auto loan at THFCU. Then shop the lot with added purchase power and a negotiating muscle.
Be the hero! Call, visit, or click the Access THFCU links at the bottom of this page.
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.
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
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.
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.
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. | |||
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.
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.
