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Getting ready for the change in seasons has never been more important. Last winter, the Bureau of Labor Statistics reported that homeowners on average saw energy prices rise 27% from the year previous. This coming season doesn't look much better.

Home improvements can mitigate the rising cost of natural gas and electricity, and your credit union has several options at the ready:

Command a great rate using the equity in your home. There are many ways to lower your utility bills this winter. Keep the heat inside by adding insulation or upgrading your windows. Reduce your output with energy-efficient HVAC systems and new appliances. And do it all with a low-cost home equity loan or line of credit from THFCU. Rates are affordable and terms are easy on your wallet. Call us today to explore your options.

Home Improvements without Equity. If you didn't think you could afford to improve your home, think again. Two Harbors Federal Credit Union is the only lender in the area participating in the Minnesota Housing & Finance Agencys Fix Up program, which allows our members to borrow for projects without accessing your homes equity.

There's more than one way to borrow. Households with an income of $155,500 or less qualify to apply for the Fix-Up Loan, which can be used for a variety of improvements, including a new furnace, insulation, a fireplace, appliances, a new septic system and much more. For a complete list of qualifying projects, click here .

The Energy Incentive Loan has no household income requirement, and can be used for numerous efficiency improvements including heat/AC replacement, a new water heater, light fixtures, new windows, and more. For a complete list of qualifying projects, click here.

APR = Annual Percentage Rate. Rates dependent on credit history, collateral and term. Minnesota Housing loans made possible by a grant from the U.S. Department of Energy and the Minnesota Department of Commerce through the American Recovery and Reinvestment Act of 2009. Equal Housing Lender.




Your neighbor Mike just pulled up in his new sedan. When he was shopping, Mike had a bit of sticker shock, and not just on the new vehicles. Used car prices are higher than ever.

Fortunately, Mike remembered the MORE4LESS loan at THFCU. MORE4LESS is a unique borrowing experience that dramatically lowers your obligation by calculating your payment on only a portion of the debt. Your remaining balance is kept separate as a balloon. When you get to the end of the loan term, you have options - pay off the balloon, refinance the remaining debt, or turn in the vehicle and walk away from the final payment. If you choose to walk away, any remaining equity can be applied to your next vehicle purchase.

Don't let Mike have all the fun. Pick out your next vehicle new or used and run the numbers on our MORE4LESS calculator at Click here to access our MORE4LESS calculator. Choose the year, make, and model of your next car to see the difference between a traditional loan and MORE4LESS. Then pre-approve your MORE4LESS loan with us before you shop.

MSRP quoted includes applicable rebates/discounts and does not include tax, title or license. Assumes 36 month term 2.84% APR traditional loan and 3.84% APR MORE4LESS loan. Residual $14,042. MORE4LESS loans include a $295 program fee.




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.





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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

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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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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!

2022 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, 2023
Total in 2022 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 - 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.
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