Itching for a new adventure, but afraid the price tag may be too high? Consider the MORE4LESS vehicle loan, a creative way to fulfill your dream without breaking your budget.
Your monthly loan payments are low, because MORE4LESS calculates them on only a portion of your total debt. The rest of your obligation is kept separate as a balloon. At the end of the term either pay off the balance, refinance the remaining debt, or turn in the vehicle and pocket the equity.
So get a bigger truck. Treat yourself to some bells and whistles. Go off road. Take that vacation. Your adventure awaits.
MORE4LESS loans are available for new or used vehicles in a variety of terms. Compare your monthly payment to a traditional loan. Choose an adventure below or build your own dream car using our MORE4LESS calculator.
Loan Amounts assume sales tax and $325 program fee. Ford example assumes a 60 month 5.49% APR traditional loan, a 5.49% APR MORE4LESS loan, and a $30,145 residual. Jeep example assumes a 48 month 4.99% APR traditional loan, a 4.99% APR MORE4LESS loan, and a $25,032 residual. Subaru example assumes a 36 month 4.99% APR traditional loan, a 4.99% APR MORE4LESS loan, and a $17,403 residual. APR = Annual Percentage Rate. Rates dependent on credit history, collateral, and term.
Whether its much-needed repairs or you just want to update your home, a Fix Up loan from THFCU and the Minnesota Housing & Finance Agency may be your answer. Terms to 20 years, and no equity is required.
If you think a Fix Up loan is just about repairing items in severe disrepair, think again. Loans can be used for just about any home improvement reason. A partial list of projects appear to the right, but the list of opportunity is much longer and may be limited only by your imagination. To learn more, visit the Minnesota Housing website and view Eligible Projects under the Fix Up heading.
Ask us about this unique program today. Income limits may apply - A basic unsecured loan requires a Lake County household income of $152,000 or less. These limits are waived if your improvements are being made for the accessibility of a family member that has a disability. Read more at the Minnesota Housing link provided above.
Two Harbors members have used this program to improve their space – Watch the story of the Blettner family here.
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.
If you have more immediate questions, give us a call and we’ll connect you with a licensed insurance agent to provide you with the answers you seek. No obligation. Just answers.
TruLync Medicare Advisors is not connected with, nor endorsed by, the U.S. Government or the Federal Medicare Program.
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.
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!
| 2025 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, 2026 |
| Total in 2025 | 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 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.
