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Two harbors FCU

 

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Take a closer look at THFCU’s Home Equity Line of Credit (HELOC) and you’ll discover many pleasant surprises.

Use the funds for whatever strikes your fancy.

Though many use a HELOC for home improvement projects, the truth is you can borrow for any reason, or none at all. Consolidate debt, pay tuition, take a vacation, or just have the line available as a safety net. It’s entirely up to you.

Enjoy a low-cost alternative to plastic.

Because your HELOC is backed by the equity in your home, rates are considerably more favorable than most credit cards or other unsecured debt. Plus you can borrow up to $75,000 with as much as a 15-year repayment.

Borrow only as much as you need, and only when you need it.

Why pay interest on a loan if you’re not using the funds? A THFCU HELOC allows you to borrow all at once, or write yourself multiple, smaller loans over the course of the term. Simply call to transfer funds from your HELOC to your checking account, or do it yourself using Home Banking. Your monthly obligation will always be 1.25% of your outstanding balance.

Your house is probably worth more than you think.

Home values have been on the rise for several years. You likely have more equity than you even thought, which is a very pleasant surprise.

Applying is quick and easy.

A THFCU HELOC can be yours in as little as 10 days after application. Start the process with a call or visit to our 11th Street office, or apply online.

Your THFCU Home Equity Line of Credit is a variable rate loan which adjusts based on changes in the Prime Rate. Ask for additional details. THFCU is an Equal Housing Lender.
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Problem solved

According to Kelley Blue Book, the average price of a new car is now over $48,000. If you’re thinking about making even a typical purchase, your monthly payment could be, well, a problem. Our MORE4LESS vehicle loan solves that dilemma by substantially lowering your payment.

MORE4LESS finances only a portion of the debt, keeping the rest separate as a balloon. When you get to the end of the term, you can pay off the remaining balance, refinance it, or simply turn in the vehicle and pocket the equity. Problem solved.

Do the math.Calculate the savings at our MORE4LESS calculator.

MSRP quoted includes applicable rates/discounts. Tax, title, and license separate. Assumes a 36 month term 6.14% APR traditional loan and a 7.14% APR MORE4LESS loan. Residual: $26,312. MORE4LESS loans include a $325 program fee. APR = Annual Percentage Rate.
Problem Solved

 

 

 

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:

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.

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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!

2024 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, 2025
Total in 2024 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.
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Simple

Not everything in life is easy. In fact it seems there are complex rules and processes for even the simplest of tasks.

Welcome to simple. Your THFCU Visa credit card earns rewards every time you make a purchase. Those purchases are worth points, and those points are redeemable for a variety of fantastic rewards, including travel vouchers, merchandise, electronics, gift cards, and a whole lot more.

If you’ve been using your card, there’s a good chance you have quite a few points already. Visit uChooseRewards.com and create a log-in by providing some basic information in our secure site. Once logged in, see how many points you’ve already accumulated. It may just be enough to redeem for a reward or two you never knew you had.

Don’t have a THFCU Visa credit card? It’s time you did, and got the rewards you deserve. Apply right here or give us a call and we’ll take your application right over the phone. Applying for our rewards Visa credit card is also very simple!

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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

 

 

 

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Mortgage rates are at record lows. If you haven’t refinanced your home loan with THFCU, it’s worth noting that a simple phone call could save you thousands.

The same is true for shoppers looking for a purchase mortgage. Contact us before you shop and we’ll help you determine a price range that fits your budget. With today’s low interest rates, you may be surprised by just how much home you can afford.

Regardless of your situation, Mortgage Lending Officer Yancy Star can help you fill in the blanks on your next mortgage decision. Learn from Yancy! Call (218) 834-2266 or email ystark@thfcu.org

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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.

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Rewards

Whenever you use your THFCU Credit Card, you earn points for your purchases. Those points add up – literally – to incredible rewards.

Log in at uchooserewards.com and register your THFCU Credit Card to get started. As you earn points, check back to see how much you’ve accumulated and what you’re able to spend it on. With thousands of merchandise/travel options and massive point-earning potential, you’ll have the luxury of making many exciting decisions.

Register your card today. If you don’t yet have a THFCU Visa Credit Card, your first decision could be your easiest – Decide to apply today!

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

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

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.
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