Skip to Main Content
Travelling internationally or making foreign purchases?
To ensure uninterrupted service, contact us before using your THFCU Visa Card for foreign purchases or when travelling outside of the U.S.
Two harbors FCU


get out head

Being cooped up is expected during the colder months, but 2020 brought it to a whole new level. The COVID-19 pandemic and Minnesota’s stay-at-home order has us all itching to get out of the house. The fact is, there is no place better to socially distance than the great outdoors. Your credit union is here to help you make the best of your time outside. No matter how you choose to explore, we’ve got the loan program to make it happen.

Take a Drive

Explore the coastline with a new set of wheels. Roll down the windows, put the top down, or breathe in the summer air on a motorcycle. When you pre-approve your vehicle loan at THFCU, we’ll pay you 1% of the loan amount back in cash. That’s a feeling as good as the wind in your face!

Get on the Water

Still thinking about a new boat? There’s still plenty of summer left, but you know it goes fast. With boat loan pre-approval we’ll speed up the purchase process and get you on the lake that much quicker. As with your THFCU vehicle loan, you’ll get 1% of the loan amount back in cash when you pre-approve.

Be a Backyard Explorer

We understand not everyone is heading deep into nature this summer. Many of us can experience the great outdoors in our own backyard. If your exploration of nature goes no further than your own property, why not dress it up with a new screened-in porch or fire pit? A Home Equity Loan can finance any project – large or small – even if those projects are helping you prepare your home for winter!

Loan rates presented are the lowers 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. Home equity loans may include closing costs. APR = Annual Percentage Rate.
get out side


dramatically head

New car shoppers often think big. Can you blame them? Today’s vehicle has more size, more safety measures and more options than ever before. Riding in luxury, however, does come with a price tag. Often a big one.

That’s why many of our members choose the MORE4LESS vehicle loan, a program that lets you buy big while keeping your monthly payment small.

table image

Here’s how it works: Borrow up to the full amount of the vehicle. Your loan payment is calculated on only a portion of the debt and the remaining balance is kept separate as a balloon.
When you get to the end of the term, you can pay off the balloon or refinance the remaining debt or turn in the vehicle and walk away from the final payment. Should you choose to walk away, any remaining equity can be applied to your next vehicle purchase.

Call us today and we’ll run the numbers on your next vehicle purchase. Once you see the difference in MORE4LESS, you’ll be thinking big!

MSRP quoted includes applicable rebates/discounts. Traditional loan assumes 36 month term, 2.74% APR. MORE4LESS loan assumes 36 month term, 3.74% APR, a $16,350 residual, and a $295 program fee. Rates dependent on credit history, collateral, and term.


note to self head

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 Lisa Fransen can help you fill in the blanks on your next mortgage decision. Learn from Lisa! Call (218) 834-2266 or email

note to self side


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





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

Log in at 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!


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!

2020 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 11, 2021
Total in 2020 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
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

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

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.
Visit our site again soon.

Continue Cancel

Back to Top