Featured Savings Rates
Featured Accounts

Two Harbors Federal Credit Union

Popular Accounts at this Credit Union

APYACCOUNT TYPEACCOUNT NAME
1.75%5-year CD60 Month CD
0.75%1-year CD12 Month CD
0.10%SavingsSecondary Shares

Overview / Commentary
218-834-2266
801 11Th St
Two Harbors, MN 55616

Two Harbors Federal Credit Union is headquartered in Two Harbors and is the 48th largest credit union in the state of Minnesota. It is also the 1,918th largest credit union in the nation. It was established in 1948 and as of September of 2016, it had grown to 15 employees and 5,046 members at 1 location. Two Harbors Federal Credit Union has an A health rating.

Field of Membership Restrictions

Membership is open to those who live, work, worship or attend school in Lake County, Lakeside and Lester Park neighborhoods in Duluth, and townships north from Lester Park including Bassett.
See current membership details

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Health
A
Additional Factors: Institutions with a small asset base, a short operating history, or negative return on assets can represent an instability risk beyond what their financial ratios indicate. Two Harbors Federal Credit Union has a relatively low asset base.

Health Grade Components

Overall
NCUA #5721
Year Chartered1948
Employees15
Primary Regulator
Profit Margin
Return on Assets - YTD0.85%
Return on Equity - YTD5.27%
Annual Interest Income$1.7MM
Assets and Liabilities
AssetsQ3 2016vs Q3 2015$72.0MM$65.7MM
LoansQ3 2016vs Q3 2015$47.3MM$44.4MM
DepositsQ3 2016vs Q3 2015$60.5MM$54.6MM
Equity CapitalQ3 2016vs Q3 2015$11.4MM$10.9MM
Loan Loss AllowanceQ3 2016vs Q3 2015$90.00K$82.00K
Unbacked Noncurrent LoansQ3 2016vs Q3 2015$26.00K$78.00K
Real Estate OwnedQ3 2016vs Q3 2015$0$42.00K
Rates
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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Two Harbors Federal Credit Union Savings Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.40%*$50k*-Traditional IRA
OTHER TIERS: 0.20% $100 - $2,500 | 0.30% $2,500 - $25k | 0.35% $25k - $50k
0.40%*$50k*-Roth IRA
OTHER TIERS: 0.20% $100 - $2,500 | 0.30% $2,500 - $25k | 0.35% $25k - $50k
0.40%*$50k*-CESA
OTHER TIERS: 0.20% $100 - $2,500 | 0.30% $2,500 - $25k | 0.35% $25k - $50k
0.30%*$25k*-Health Savings Account
OTHER TIERS: 0.20% $500 - $2,500 | 0.25% $2,500 - $25k
0.10%--Primary Shares
0.10%--Christmas Shares
0.10%--Secondary Shares

Two Harbors Federal Credit Union Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.30%*$50k*-Money Market Shares
OTHER TIERS: 0.10% $500 - $2,500 | 0.20% $2,500 - $25k | 0.25% $25k - $50k

Two Harbors Federal Credit Union Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.05%$500-Share Draft Plus

Two Harbors Federal Credit Union CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.75%*$2,500*-60 Month CD
OTHER TIERS: 1.45% $500 - $2,500
1.50%*$2,500*-48 Month CD
OTHER TIERS: 1.20% $500 - $2,500
1.10%*$2,500*-36 Month CD
OTHER TIERS: 0.80% $500 - $2,500
1.00%*$2,500*-24 Month CD
OTHER TIERS: 0.70% $500 - $2,500
0.80%*$2,500*-18 Month CD
OTHER TIERS: 0.50% $500 - $2,500
0.75%*$2,500*-12 Month CD
OTHER TIERS: 0.45% $500 - $2,500
0.30%$2,500-6 Month CD
Locations


Two Harbors Federal Credit Union Locations
Branch Office801 11th StTwo Harbors, MN 55616