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Spring is in the air, and it’s time to take advantage of all northern Minnesota has to offer. Make a splash with a little help from your credit union.

Improve your space – Home Equity Loan

If you spent the winter coming up with home improvement ideas, now’s the time to put them into action. By borrowing against the equity in your home, you’ll have a low-cost way to finance that new three-season porch, deck, or fire pit. Get the funds all at once with a fixed-rate home equity loan, or choose a Home Equity Line of Credit (HELOC) and write yourself a loan whenever you need it

Be ready to buy – Mortgage Pre-approval

Spring is popular time for sellers to list their homes. In this aggressive market, you’ll want the advantage of loan pre-approval, particularly if you are a first-time homebuyer. Visit with us before you shop and you’ll be ready to make your offer when the time comes.

Recreation, in style – Boat/RV/ATV Loan

A new boat on the lake, a new camper for the campground, or a new ATV for the trails. Whatever your plans for summer recreation, get the most for your money with a recreational vehicle loan. See us first for loan pre-approval to spend less time at the dealership and more time in the great outdoors

New vehicle? Think big. – MORE4LESS Vehicle Loan

If sticker shock is giving you second thoughts, it’s okay to think big. The MORE4LESS vehicle loan dramatically lowers your monthly payment by calculating it based on a portion of the debt, while the remaining balance is kept separate as a balloon. At the end of the loan term either pay off the balloon, refinance the remaining debt, or turn in the vehicle. If you choose to walk away, any remaining equity can be applied to your next vehicle purchase. See for yourself - Run the numbers using our MORE4LESS calculator.

Equal Housing Lender.
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A THFCU Visa Credit Card is your gateway to millions of rewards, and earning them has never been easier. Simply register at, then use your THFCU plastic. Every purchase earns you points, which you can track on the uchoose website.

When you’re ready to redeem, choose from over three million merchandise options and gift cards to over 400 brands. Or use your points to donate to any of over 1,000 different charities.

Not enough points? No problem. There’s no minimum point threshold to purchase. If you don’t have enough points to redeem for a full reward, use your THFCU credit card to pay any remaining balance



Problem solved

According to Kelley Blue Book, the average price of a new car is now over $48,000. If you’re thinking about making even a typical purchase, your monthly payment could be, well, a problem. Our MORE4LESS vehicle loan solves that dilemma by substantially lowering your payment.

MORE4LESS finances only a portion of the debt, keeping the rest separate as a balloon. When you get to the end of the term, you can pay off the remaining balance, refinance it, or simply turn in the vehicle and pocket the equity. Problem solved.

Do the math.Calculate the savings at our MORE4LESS calculator.

MSRP quoted includes applicable rates/discounts. Tax, title, and license separate. Assumes a 48 month term 6.14% APR traditional loan and a 7.14% APR MORE4LESS loan. Residual: $26,312. MORE4LESS loans include a $325 program fee. APR = Annual Percentage Rate.
Problem Solved



We’ve given power to your THFCU plastic with a burst of new features, improved access and more:

THFCU Visa Credit Card

Your online card experience has improved. Look for these new features on THFCU Home Banking:

If you don’t have THFCU Home Banking, you still have access to these online features. Click this link to visit your personalized card management resource. personalized card management resource.

THFCU Visa Debit Card

New features have been added to your THFCU mobile access. If you routinely travel, fraud detectors will sometimes decline a transaction that appears out of the ordinary. Our new mobile card management platform will allow you to set travel alerts before you depart, making your debit card usage effortless when away from home.

You’ll also be able to temporarily turn off your card whenever you want. Should you misplace your plastic, simply log in to mobile banking to disable the card. If you later recover the card, log in and turn it back on. You’ll have the power to immediately protect your accounts, without closing them indefinitely.

Eager for the power?

Log in to Home Banking to take advantage of these powerful new features. And if you don’t yet have a THFCU debit or credit card, apply now and put the power in your hands.




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.





WINcentiveTM is a one-of-a-kind savings account, exclusive to credit unions in Minnesota. In many ways it acts just like a normal account. Deposit funds, save, and earn dividends. Here’s where things get better: every time you increase your savings balance by $25 month-over-month, you’ll receive one entry into a cash drawing (up to four per month). Then every month, every quarter, and every year cash prizes are awarded to those with WINcentive accounts statewide.

We’ve had many winners already at THFCU, and you could be next. But you can only win if you save, so ask us about WINcentive today!

2024 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, 2025
Total in 2024 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.




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 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.

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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

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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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