Two Harbors Federal Credit Union

Popular Accounts at this Credit Union

APY	ACCOUNT TYPE	ACCOUNT NAME
1.85%	5-year CD	60 Month CD 2.35% - Synchrony Bank 60 Month CD
1.15%	1-year CD	12 Month CD 1.40% - Synchrony Bank 12 Month CD
0.10%	Savings	Secondary Shares 1.20% - Goldman Sachs Bank USA Online Savings

View all Two Harbors Federal Credit Union rates »

Overview / Commentary

www.thfcu.org

218-834-2266

801 11Th St
Two Harbors, MN 55616

Two Harbors Federal Credit Union is headquartered in Two Harbors and is the 49^th largest credit union in the state of Minnesota. It is also the 1,951^st largest credit union in the nation. It was established in 1948 and as of March of 2017, it had grown to 16 employees and 4,681 members at 1 location. Two Harbors Federal Credit Union's CD rates are 28% higher than the national average, and it 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

Data as of Q1 2017

Learn why bank health matters

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 Chartered	1948
Employees	16
Primary Regulator

Profit Margin
Return on Assets - YTD	0.54%
Return on Equity - YTD	3.45%
Annual Interest Income	$550.00K

Assets and Liabilities
Assets	Q1 2017vs Q1 2016	$72.7MM$68.6MM
Loans	Q1 2017vs Q1 2016	$46.5MM$44.9MM
Deposits	Q1 2017vs Q1 2016	$60.9MM$57.1MM
Equity Capital	Q1 2017vs Q1 2016	$11.3MM$11.3MM
Loan Loss Allowance	Q1 2017vs Q1 2016	$113.00K$94.00K
Unbacked Noncurrent Loans	Q1 2017vs Q1 2016	$31.00K$110.00K
Real Estate Owned	Q1 2017vs Q1 2016	$0$76.00K

Rates

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Savings
Money Market
Checking
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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

APY	MIN	MAX	ACCOUNT NAME
0.40%^*	$50k^*	-	IRA Accounts
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

APY	MIN	MAX	ACCOUNT NAME	VIEW 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

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
0.05%	$500	-	Share Draft Plus

Two Harbors Federal Credit Union CD Rates

APY	MIN	MAX	ACCOUNT NAME
1.85%^*	$2,500^*	-	60 Month CD
OTHER TIERS: 1.55% → $500 - $2,500
1.60%^*	$2,500^*	-	48 Month CD
OTHER TIERS: 1.30% → $500 - $2,500
1.40%^*	$2,500^*	-	36 Month CD
OTHER TIERS: 1.10% → $500 - $2,500
1.30%^*	$2,500^*	-	24 Month CD
OTHER TIERS: 1.00% → $500 - $2,500
1.15%^*	$2,500^*	-	12 Month CD
OTHER TIERS: 0.85% → $500 - $2,500
1.15%^*	$2,500^*	-	18 Month CD
OTHER TIERS: 0.85% → $500 - $2,500
0.65%	$2,500	-	6 Month CD

Locations

Two Harbors Federal Credit Union Locations
Branch Office	801 11th St	Two Harbors, MN 55616