Do more. Experience more. Live more. Take a big bite out of summer with help from your credit union.
MORE… to Drive
You thought that new car or truck was out of reach? Think again. With the MORE4LESS vehicle loan your monthly payment will plummet, making the big buys manageable.
Borrow at the same competitive rates as a traditional THFCU vehicle loan, but only a portion of the debt will be used to calculate your payment, while the remaining loan balance is kept separate as a balloon. When you get to the end of the term, pay off the balloon, refinance the remaining debt, or simply turn in the vehicle and walk away from the final payment. If you walk, any remaining equity can be applied to your next vehicle purchase.
The concept is simple, and the savings are real. We put a few recent buys to the test:
What’s your MORE? Build your vehicle – any make and model – using our MORE4LESS calculator.
MORE… Space to Live
Your home is your castle, but even the finest castle can benefit from improvements. With a home equity loan from your credit union, you’ll enjoy more of a very good thing. Update your kitchen. Remodel your bath. Put on that three-season porch. When you leverage the equity in your home, it’s easy and affordable.
Borrow in one lump sum or choose a line of credit and take only what you need and only when you need it. Rates remain competitive, starting at just 5.34% APR.
Want more, but don’t have the equity? We have a solution for that, too – Check out the Fix-Up Loan, our no-equity-required program offered through our partnership with Minnesota Housing. Learn more here.
No Closing Cost offer available for a limited time, $10,000 minimum loan, $75,000 maximum, appraisal not included. Equal Housing Lender. Toyota example assumes a 36-month 4.24% APR traditional loan, a 4.24% APR MORE4LESS loan, and a $36,348 residual. Chevy Silverado example assumes a 36-month 4.24% APR traditional loan, a 4.24% APR MORE4LESS loan, and a $38,945 residual. Rates dependent on credit history, collateral, and term. APR = Annual Percentage Rate.
Baffled? Bewildered? Befuddled? You’re not the only one mystified by Medicare, but you’re also not alone. Expertise is available right at your credit union.
Whether you prefer learning in a classroom or one-on-one, licensed Medicare broker Tammy Kausch can provide answers to your questions, with no obligation.
Check out the schedule below. Attend one of our free monthly seminars, or schedule an appointment at our Two Harbors office. Call (218) 625-5156 (TTY 711) to RSVP for a free seminar, or to book time with Tammy. And solve that mystery…together.
April 14, June 9, August 11
Office Hours: 8:00am-4:00pm
Free Seminar: 5:00pm
May 12, July 21, September 8
Office Hours: 8:00am-4:00pm
Free Seminar: 12:00pm
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.
