You have goals for 2026, and we’re ready with the assist:
GOAL: Affordable Home Improvements
Those remodeling plans have been on ice long enough. Rates continue to drop and equity loans are at their lowest in recent years. The time is now to invest in that new addition, expanded garage, or four-season porch. Borrow against the equity in your home or consider a Fix-Up loan.
If you choose equity, you’ll get options, all at competitive rates and terms. Borrow in one lump sum with a traditional equity loan or consider a Home Equity Line of Credit and tap only what you need, when you need it.
Our partnership with Minnesota Housing offers a solution for homeowners that don’t have or don’t want to use equity. Through the Fix Up Loan program, you may be eligible for as much as $75,000 with terms to 20 years. Qualifying borrowers must demonstrate a household income of $152,000 or less.
GOAL: Save at the Dealership
Want to avoid fisticuffs with the dealer? Get your next vehicle loan pre-approved at THFCU and shop with confidence, ready-to-buy. When you make your purchase selection, write a check then revisit with your purchase agreement and we’ll fun the loan. Pre-approval isn’t just for cars and trucks. Consider this time-saver for your next boat, sled, or other recreational purchase.
GOAL: Get More, for Less
It’s the power play of vehicle financing: the MORE4LESS loan is a unique loan that allows you to go big while keeping your payment small. Only a portion of the debt is used to calculate your monthly obligation, while the remaining loan balance is kept separate as a balloon. When you get to the end of the term, either pay off the balloon, refinance it, or turn in the vehicle and your remaining equity can be applied to your next vehicle purchase. Build the vehicle you’re looking for, then get an estimated monthly payment using our MORE4LESS calculator.
Your THFCU Visa Credit Card made your holiday special. And if you enrolled in uChoose Rewards, you earned points with every purchase. Visit our rewards and redemption catalog to redeem those points for the gift of electronics, merchandise or travel.
Missed your reward? If you have THFCU Visa, you’re eligible to earn points. Simply enroll at the link above. It’s quick and easy. Bookmark the page and return to it regularly to see how many points you’ve accumulated.
If you still don’t have THFCU Visa, consider adding it to your wallet. Competitive rates, no annual fee and rewards with every purchase. It’s the gift that keeps on giving. Apply today.
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. | |||
Put a smile on that face. Rates have dropped, and it’s time to shop.
Before heading to the dealership to check out the 2025 close-outs or the new 2026 models, visit your credit union. We’ll get you pre-approved for a loan with an incredible rate. Then choose whatever makes you happy, write a check, and drive off the lot.
Buying used? Our ‘new vehicle’ rates are good for model years as early as 2020!
Rate reductions also apply to our popular MORE4LESS vehicle loans, which get you more car at a fraction of the traditional payment. With MORE4LESS, monthly obligations are calculated using on a portion of the total debt, while the balance is kept separate as a balloon. At the end of your loan term, you have options: pay off the balance, refinance the remaining debt, or turn in the vehicle and pocket the equity.
MORE4LESS loans are available for new or used vehicles in a variety of terms. Compare payment examples below then build your own dream car using the MORE4LESS calculator.
APR = Annual Percentage Rate. Rates dependent on THFCU relationships, credit history, collateral, and
term. MOER4LESS loan Amounts assume $325 program fee. Chevy Traverse example assumes a 72-month 4.49%
APR traditional loan, a 4.49% APR MORE4LESS loan, and a $15,562 residual. Chevy Silverado example
assumes a 60-month 4.49% APR traditional loan, a 4.49% APR MORE4LESS loan, and a $29,404 residual.
Subaru example assumes a 36-month 3.49% APR traditional loan, a 3.49% APR MORE4LESS loan, and a $21,825
residual.
If you’re new to Medicare or soon will be, you likely have questions. We have answers. TruLync Medicare Advisors has joined forces with Two Harbors Federal Credit Union to help our members navigate Medicare. Tammy Kaush, a Licensed Medicare Broker, is your guide for all things Medicare. Tammy is ready to inform, without obligation. Call Tammy at (218) 625-5156 (TTY 711) or email her at Medicare@TruLync.com.
TruLync Medicare Advisors is 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. Contact Medicare.gov, 1-800-MEDICARE, or your locate State Health Insurance Program to get information on all of your options.
A THFCU Visa Credit Card is your gateway to millions of rewards, and earning them has never been easier. Simply register at uchooserewards.com, 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
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:
- Activate a new card
- Create or change your Personal Identification Number (PIN)
- Easy access to uChoose Card Rewards uChoose Card Rewards
- Make payments
- Transfer balances from other credits cards
- Access credit card statements, current or archived
- Replace a lost or stolen card
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.
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.
