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Two harbors FCU

Member Benefits

Memeber Benefits

Loan Calculators

Calculate payments, choose terms, compare loans and much more on our calculator page.


Shopping the dealerships for a new or used vehicle, boat, sled, or RV? Be prepared for your purchase and gain the upper hand in your purchase negotiation. Before you shop visit with us to get your interest rate, loan terms, payment amount, and financing options. Visit, call, or e-mail us to pre-approve your next loan. No appointment necessary.

Relationship Pricing "Buy-down"

Your THFCU Annual Percentage Rate (APR) may be discounted on qualifying loans. The discount will depend on the type of loan and the number of THFCU services you presently use.

Any or all of the following groups of services may qualify you for this buy-down:

  • Home Banking
  • Money Market Account
  • VISA Debit card
  • IRA or Share Certificate
  • Active, existing Checking Account or Share Draft Plus Account
    • New may qualify with a direct deposit activation
  • Direct Deposit or Periodic Payment (must be active for entire life of loan)

The first Buy-down is 0.25% APR off for two services and an additional 0.25% APR for any third service for a maximum buy-down of 0.50% APR. Ask a loan officer for details.

Home Equity Loans

Hours & Location

Mon - Thurs 7:30am to 5:30pm
Fri 7:30am to 6:00pm

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

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.

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