Two Harbors Federal Credit Union

Because THFCU is a nonprofit institution owned by it’s members, we are able to offer a wide variety of services at little or no cost. Most of our share draft services are free and members can access their accounts in person, by phone, or online 24 hours a day at thfcu.org. And, because a share draft is also a deposit account, THFCU pays dividends on balances.

THFCU makes financial transactions and management convenient with a VISA card that has no annual fee and a 24-hour drive-up ATM – a service that is also free to members.

Another Benefit of Membership – Life Savings Insurance and Loan Protection

Life Savings Protection

Your Credit Union offers this financial protection for your family at no direct expense to you. The premium is paid by THFCU and there is no medical exam required to qualify. The insurance offered is equal to the insurable balance in your eligible accounts, up to a policy maximum. As long as you maintain an eligible account, you retain your Life Savings Insurance.

Loan Protection

Loan Protection Insurance gives members the assurance that their outstanding loans will be paid if they were to die. This protection is provided to members at no direct charge. And enrollment in our Loan Protection is automatic … there’s no insurance application, physical examination or inconvenient paperwork.

MEMBERS^® Auto and Homeowners Program

You trust Two Harbors Federal Credit Union to provide you and your family with quality products and services to meet your financial needs. We've joined with a dedicated team of insurance professionals to bring you the MEMBERS^® Auto & Homeowners Insurance Program.

The MEMBERS Auto & Homeowners Insurance Program is the property and casualty coverage solution preferred by credit unions and their members.

Access convenient e-service, pay your bill or make changes to your policy, even report a claim.

Receive fast, easy access to claims service 24 hours a day.

Obtain a free, no-obligation quote.

Click here to start saving!

The MEMBERS Auto & Homeowners Insurance Program is made available by CUNA Mutual Insurance Agency, Inc. and underwritten by leading insurance companies. To the extent permitted by law, applicants are individually underwritten; not all applicants may qualify. Discounts are not available in all states and discounts vary by state. A consumer report from a consumer reporting agency and/or motor vehicle report will be obtained on all drivers listed on your policy where state regulations allow. The insurance offered is not a deposit and is not federally insured or guaranteed by your credit union.

Share Draft Service Fees

(Effective November 21, 2011)

Account Balancing Assistance	$20.00 per hour (1/2 hour minimum)
Account Research Request	$15.00 per hour (1/2 hour minimum)
Check Printing	Price may vary depending on style of check
Nonsufficient Funds Return	$25.00 per item
Nonsufficient Funds Paid, Privilege Pay	$25.00 per item
Nonsufficient Funds Transfer	$2.00 per item
Nonsufficient Debit Card Paid	$25.00 per item
Returned Check	$10.00 per item
Drafts Truncated Share Draft	No Charge
Share Draft Plus	$8.00 per month if MB not maintained
Drafts Back Paper Image	$5.00 per month, plus $0.10 per draft
Compact Disc	$8.00 per month, plus $.10 per draft
Share Draft Copy Paper	$2.00 per item
Image	$1.50 per item
Stop Payment	$20.00 per item or $25.00 per series
Stop Payment Removal	$10.00 per item or $15.00 per series
Telephone Transfer Fee	No charge

THFCU makes getting cash and making purchases almost
anywhere safe and easy. Our 24-hour ATM is free for
our members.

Other Service Fees

(Effective November 21, 2011)

Account Maintenance Fees: Closing Fee, if in 1st 6 Months of Opening Account	$5.00
Inactivity Fee, if over 16 Years of Age And No Activity for 12 Months	$3.00 per month
TIN Verification	$5.00
Cashier’s Check	No charge first check per day, then $10.00 per check
Coin Counting	1st $25 free, then $1.00 per $100
Deposit Bags, Zippered, Locking	$20.00 per bag
Deposit Bags, Zippered, Non Locking	$8.00 per bag
Electronic Service Fees: ATM Withdrawal with THFCU Card	No charge
Audio Response for Members (ARM)	No charge
Bill Payer	No charge, please ask for details
E-Statements	No charge
Home Banking	No charge
Facsimile In	No charge
Out	$3.00 first two pages, $1/additional page
Foreign Check Processing Canadian	$22.50 per item
International	$27.00 per item
Levy/Garnishment Fee	$25.00 per item
Money Order	$1.50 per order
Notary Public	No charge
Photocopy	No charge first two per day, then $.25/copy
Plastic Card Fees: Card Replacement, VISA Debit or Credit	$10.00
Card Delivery - Normal	No Fee
Card Delivery - Expedited	$25.00
Cash Advance, VISA	1% of Cash Advance Amount
PIN Replacement	$10 per PIN
Postal Address Change	$3.00
Safe Deposit Box Fees: 3” x 5”	$20.00
3” x 10”	$25.00 per year
5” x 5”	$20.00 per year
10” x 10”	$90.00 per year
Lock Replacement/Drilling & Replacement	*Price varies, please ask for details
Statement Fees: Copy of Statement - Paper	$3.00 per month
Copy of Statement - Image	$2.00 per month
Interim Statement	$1.00 per statement
Return Without Forwarding Address	$10.00 per statement
Traveler’s Check	No charge
Western Union Domestic	$25.00 per transfer
International – ≤$500	$30.00 per transfer
International – >$500<=5000	$50.00 per transfer
International – >5000	$60.00 per transfer
Wire Transfers Out (domestic)	$15.00 per transfer
Out (international)	$50.00 per transfer
In	No charge