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Two harbors FCU


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Easy 24/7 access is a must in today’s world. THFCU’s E-Services can connect you to your accounts virtually anywhere/anytime!

Home Banking

To begin using Home Banking, select ‘Enroll’ in the LOGIN box located at the top of this page. During the enrollment process you will be asked to enter your Member Number and the last four digits of your Social Security Number.

After establishing a Logon ID and Security Code, you can begin using the many features of Home Banking, including:

  • Check your account balance
  • Pay your bills- Enroll in CheckFree!
  • Receive copies of your statements online
  • View your account history
  • Transfer funds between accounts
  • Make a loan payment
  • Reorder checks
  • Request a check to yourself
  • Apply for a loan
  • Access your Visa Credit Card
  • Access to your Visa UChoose Rewards
  • View any check that clears your account
  • Receive information on interest earned or interest paid for tax purposes
  • Stop payment on a check
  • Create alerts and enroll in eNotices
  • Transfer money to/ from another institution
  • Deposit a check – See below for more information about Mobile Deposit!

Mobile Banking

Check your balance anywhere, anytime. Transfer funds, send money, and much more. Our mobile app is available for download at the App Store or on Google Play:

Apple App Store Google Play Store


Deposit checks using your mobile device!

After downloading and logging into the THFCU app, enrolling in mobile deposit is a snap.

Print our user agreement sign and return it to THFCU to get started.



Zelle® is a fast, safe and easy way to send money to people you know and trust – from paying back a family member for a group gift or sending an allowance to the kids in college. Access Zelle® through Bill Pay today!

Terms and conditions apply. Zelle and the Zelle related marks wholly owned by Early Warning Services, LLC and are used herein under license. Copyright © 2020 First Financial.All rights reserved.



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Keep up to date with THFCU – Find us, Like us and stay informed.


Youth / Teen Clubs

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Join the THFCU Youth Advisory Board

Attention THFCU teens: What questions do you have about saving, borrowing and accessing money? It's likely those same questions are also being pondered by your friends, siblings and classmates. We'd love to provide the answers, but first we need to hear from you. The THFCU Youth Advisory Board is a group of 13-18 year old members that meet a few times each year to discuss financial issues important to today's young people.

Get involved and make a difference. Contact Erin Mecklin ( to learn more about this exciting opportunity!

Saving Safari Club (Ages 10 and under)

Saving can be fun, particularly when you're part of this free club for our young savers. Monty the Money Monkey (and his friends at THFCU) award a special badge and punch card (to keep track of deposits) with all new Safari accounts.

Every time a young saver makes a deposit, they'll receive:

  • A special gift from the THFCU 'prize bucket'
  • A punch on their savings card, encouraging them to return to THFCU and save even more. After five punches, savers get to choose from an assortment of larger prizes.
  • Entry into a quarterly drawing for $25.00 (for deposits of $25.00 or greater)

Early Earners Club (Ages 11-14)

Develop important savings habits as an Early Earner. Every time they make a deposit, they'll receive:

  • A punch on their savings card, encouraging them to return to THFCU and save even more. After five punches, savers get to choose from an assortment of larger prizes.
  • Entry into a quarterly drawing for $25.00 (for deposits of $25.00 or greater)

Parents: Sign up for eAllowance and have allowances automatically transferred into your Early Earner's account

Youth / Teen Clubs


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As a THFCU member you have free access to money management and financial education services through GreenPath, a non-profit company that partners with you to achieve your financial goals. Receive assistance with:

  • Personal and family budgeting
  • Understanding your credit report and how to improve your score
  • Money management
  • Debt repayment
  • Avoiding bankruptcy, foreclosure and repossession

Get started. Get on the GreenPath. Call Toll- Free (877) 337-3399 or Get More Information.


Hours & Location

Mon - Fri 7:30am to 5:30pm

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.
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