Two Harbors Federal Credit Union

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A short history of Two Harbors FCU

Since its inception in 1948 the Two Harbors Federal Credit Union has been serving its members in the Two Harbors, Minnesota area with exceptional financial products. You can find their current interest rates on used car loans, new car loans, 1st mortgage loans and interest rates on both fixed and adjustable mortgages here on these pages. Currently led by Randy Willert, the Two Harbors FCU has grown its membership to over 4,620 with assets of more than $71,633,236. They have a main office and 1 branch offices. Please see the credit unions website or contact them by phone at (218) 834-2266 or email them at thfcu@lakenet.com to get exact details . There are many other credit unions in the local area. See them all here. Credit Unions in Two Harbors, MN.

General Information For Two Harbors FCU was taken from their 6/30/2017 quarterly report, which is the most current available public information.

Charter Number 5721
Address 801 11th St 
City Two Harbors 
State Minnesota 
Zip-Code 55616
Phone Number (218) 834-2266
Fax Number (218) 834-2250
Email Address: thfcu@lakenet.com
CEO/President Randy Willert
Members 4,620 
Full-Time Employees 15 
Part-Time Employees 2 
Number of Branch Offices 1 
Total Assets 71,633,236 
Website http://www.thfcu.org 

Compare Two Harbors Federal Credit Union To Other Local Credit Unions


Credit Union Name
Branch Name
Address
Zip Code
Phone Number
ATM Access
Distance (Miles)
North Shore CU Grand Marais 122 E Highway 61 55604 (218) 387-1312 No 18.13

Two Harbors Federal Credit Union Financial Performance Charts


Performance Charts

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Financial Data


Two Harbors Federal Credit Union Lowest Loan Rates With State and USA Rankings

Unsecured Credit Card New Car Loans Used Car Loans 1st Mortgage Loans Other Real Estate
Rate 9.90 3.20 4.17 3.75 4.50
Mean Rate For All USA Based Credit Unions 10.56 3.72 5.00 4.48 4.95
Rank Among All USA Credit Unions 243 168 222 102 168
Rank Among All Minnesota Credit Unions 22 32 40 15 17

Two Harbors Federal Credit Union Highest Deposit Rates With State and USA Rankings

Checking Regular Savings Money Market Certificates of Deposits IRA/KEOGH
Rate 0.01 0.10 0.30 1.41 1.04
Mean Rate For All USA Based Credit Unions 0.19 0.26 0.29 0.73 0.66
Rank Among All USA Credit Unions 140 129 97 101 153
Rank Among All Minnesota Credit Unions 15 17 14 3 8
Two Harbors Federal Credit Union Loans and Leases

Interest Rate Number of Loans Amount
Unsecured Credit Card Loans 9.900389549,118
All Other Unsecured Loans/Lines of Credit 10.290501752,758
Short-Term, Small Amount Loans (STS) (Federal CU Only) 0.00000
Non-Federally Guaranteed Student Loans 0.00000
New Vehicle Loans 3.2002784,535,640
Used Vehicle Loans 4.1704394,165,756
Total 1st Mortgage Real Estate Loans/Lines of Credit 3.75044631,365,370
Total Other Real Estate Loans/Lines of Credit 4.5001162,778,293
Leases Receivable 0.00000
Total All Other Loans/Lines of Credit 3.4903003,159,676
TOTAL LOANS & LEASES 2,46947,306,611

Two Harbors Federal Credit Union Real Estate Loans and Lines of Credit

REAL STATE LOANS FIRST MORTGAGE

No. of Loans Outstanding Amt of Loans Outstanding No. of Loans Granted Year- to-Date Amount Granted Year-To-Date
Fixed Rate
    a. > 15 years 487,353,68861,121,825
    b. 15 Years or less 20810,089,85015626,215
Balloon/Hybrid
    a. > 15 years 0000
    b. 15 Years or less 14312,865,408201,504,258
Other Fixed Rate 0000
Adjustable Rate 1 yr or less 471,056,42412330,605
Adjustable Rate > 1 yr 0000

OTHER REAL ESTATE

Closed-End Fixed Rate 801,983,3846191,795
Closed-End Adjustable Rate 0000
Open-End Adjustable Rate 36794,90911294,499
Open-End Fixed Rate 0000
TOTALS 56234,143,663704,069,197

MISCELLANEOUS REAL ESTATE LOANS/LINES OF CREDIT INFORMATION

Interest Only & Payment Option 1st Mortgage Loans 000
Interest Only & Payment Option Other RE/LOC Loans 000
REVERSE MORTGAGES
    a. Federally Insured Home Equity Conversion Mortgage (HECM) 0000
    b. Proprietary Reverse Mortgage Products 0000

Two Harbors Federal Credit Union Member Offerings
First Time Homebuyer Program No
Real Estate Loans Yes
Pay Day Lending No
Share Secured Credit Cards Yes
Overdraft Protection/Courtesy Pay Yes
Overdraft Lines of Credit Yes
ATM/Debit Card Program Yes
Interest Only and Payment Option 1st Mortgage Loans No
Check Cashing Yes
Money Orders Yes
No Surcharge ATMs Yes
Home Banking Via Internet Website Yes