Things that go bump in the night are telling you something, and it probably isn’t “Boo!” or “Get Out!” The message may very well be that it’s time to consider improvements around the house – replacing that old furnace, insulating the attic, finishing the basement.
A home equity loan from your credit union may be the answer. With home values climbing, you probably have more equity than you think. Borrowing against a portion of that equity is a low-cost way to re-invest in your property.
A traditional home equity loan allows you to borrow in one lump sum and finance repayment over as many as 15 years. A home equity line of credit (HELOC) gives even more flexibility. Earmark a portion of your equity to borrow against, then write yourself a loan whenever you want.
Scared that you may not have the equity for improvement? Ask about a Minnesota Housing Fix Up Loan, where you can borrow up to $75,000 (terms to 20 years) without equity. Funds may be used for a variety of projects, including windows, siding, bathroom and kitchen remodels, insulation, accessibility improvements, and more. :
APR = Annual Percentage Rate. Rates dependent on THFCU relationships, credit history, collateral, and term. Fix-Up Loan: No equity or mortgage lien required. Requires a household income of $177,800 or less to qualify.
Baffled by Medicare? There’s no need to put yourself in jeopardy. Your credit union has partnered with an expert that has the answers you seek.
Whether you’re turning 65 this year or simply have questions, Licensed Medicare Broker Tammy Kausch can help you better understand your options. There is no obligation when meeting with Tammy – this is a free resource exclusively for credit union members.
Call or email using the information provided to schedule a personal visit with Tammy at our branch on 11th Street. It’s really that easy.
Tammy Kausch is a licensed insurance agent. We are not connected with, nor endorsed by, the U.S. Government or the Federal Medicare Program. By calling (218) 625-5156 you agree to speak with an independent health insurance agent about Medicare insurance products. We currently represent 8 organizations that offer 61 products and may not offer every plan available in your area. Free seminars are educational events at which no plans will be reviewed and no sales will be conducted. A licensed insurance agent will be present to answer questions. Contact Medicare.gov, 1-800-MEDICARE, or your locate State Health Insurance Program to get information on all of your options.
There’s no other savings account quite like WINcentive. On the surface, it’s a traditional savings account – put money in, earn above-market dividends. Here’s where it gets better: Every time you make a deposit of $25 or more, you’re entering into an exclusive statewide drawing for cash prizes (up to four entries each month). Each month, 45 winners receive $100. Each quarter, four more receive $1,000. And at the end of the year, one lucky winner takes home $5,000. Drawings reset every month, meaning you’re eligible to win many times over.
| 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, 2027 |
| Total in 2026 | 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. | |||
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.
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.
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.
