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Two Harbors Federal Credit Union


TODAY'S FEATURED RATES
Member FDIC
APY APY = Annual Percentage Yield Rates as of 3/15/2025
4.54%
Our Rating
4.3  / 5
Peak Bank
Envision High Yield Savings
See Offer
Sponsored Note: Member FDIC: Insured up to $250,000. $100 Deposit Earns Interest Immediately.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 3/15/2025
4.20%
Our Rating
3.6  / 5
Jenius Bank
Jenius Savings Account
See Offer
Sponsored Note: FDIC Insured. No fees or minimums. 24/7 U.S-based support.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 3/15/2025
3.80%
Our Rating
4.3  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: Earn up to 3.80% APY and up to $300 with direct deposit. Members can unlock our highest savings rate with direct deposit OR by depositing $5,000 or more every 30 days. Terms Apply. Member FDIC
Member FDIC
APY APY = Annual Percentage Yield Rates as of 3/15/2025
4.30%
Our Rating
4.2  / 5
CIT Bank
Platinum Savings
See Offer
Sponsored Note: Get up to a $300 Cash Bonus. FDIC Insured. See site for details.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 3/15/2025
4.46%
Our Rating
4.0  / 5
Vio Bank
Cornerstone Money Market
See Offer
Sponsored Note: Interest is compounded daily, growing your money fast
Member FDIC
APY APY = Annual Percentage Yield Rates as of 3/15/2025
3.70%
Our Rating
4.3  / 5
American Express®
High Yield Savings Account
See Offer
Sponsored Note: Interest compounds daily, deposited monthly
Member FDIC
APY APY = Annual Percentage Yield Rates as of 3/15/2025
4.50%
Our Rating
4.1  / 5
BrioDirect
High-Yield Savings
See Offer
Sponsored Note: You must deposit at least $5,000 to open your account. Member FDIC
Member FDIC
APY APY = Annual Percentage Yield Rates as of 3/15/2025
4.39%
Our Rating
3.1  / 5
Valley National Bank
High-Yield Savings Account Via Raisin
See Offer
Sponsored Note: Valley National Bank, Member FDIC. $1 minimum, with no fees to open and maintain through Raisin. $250 bonus for new customers with a minimum deposit of $25,000 with promo code GET250.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 3/15/2025
4.25%
Our Rating
3.7  / 5
Sallie Mae Bank
14 Month High-Yield CD Via Raisin
See Offer
Sponsored Note: Sallie Mae Bank, Member FDIC. $1 minimum, with no fees to open and maintain through Raisin. $250 bonus for new customers with a minimum deposit of $25,000 with promo code GET250.
Member FDIC
Bonus Amount
up to $300
Our Rating
4.3  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!
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 41st largest credit union in the state of Minnesota. It is also the 1,730th largest credit union in the nation. It was established in 1948 and as of December of 2024, it had grown to 14 employees and 4,319 members at 1 location. Two Harbors Federal Credit Union's CD rates are 5X the national average, and it boasts 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

Reviews

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Health
A+

Data as of Q4 2024

Learn why bank health matters

Health Grade Components

Overall
NCUA #5721
Year Chartered1948
Employees14
Primary Regulator
Profit Margin
Return on Assets - YTD0.9%
Return on Equity - YTD6.29%
Annual Interest Income$4.9MM
Assets and Liabilities
AssetsQ4 2024vs Q4 2023$110.6MM$108.3MM
LoansQ4 2024vs Q4 2023$76.3MM$74.5MM
DepositsQ4 2024vs Q4 2023$93.9MM$92.6MM
Equity CapitalQ4 2024vs Q4 2023$15.8MM$14.8MM
Loan Loss AllowanceQ4 2024vs Q4 2023$193K$173K
Unbacked Noncurrent LoansQ4 2024vs Q4 2023$147K$156K
Real Estate OwnedQ4 2024vs Q4 2023$0$0
TODAY'S FEATURED RATES
Member FDIC
APY APY = Annual Percentage Yield Rates as of 3/15/2025
4.54%
Our Rating
4.3  / 5
Peak Bank
Envision High Yield Savings
See Offer
Sponsored Note: Member FDIC: Insured up to $250,000. $100 Deposit Earns Interest Immediately.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 3/15/2025
4.20%
Our Rating
3.6  / 5
Jenius Bank
Jenius Savings Account
See Offer
Sponsored Note: FDIC Insured. No fees or minimums. 24/7 U.S-based support.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 3/15/2025
3.80%
Our Rating
4.3  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: Earn up to 3.80% APY and up to $300 with direct deposit. Members can unlock our highest savings rate with direct deposit OR by depositing $5,000 or more every 30 days. Terms Apply. Member FDIC
Member FDIC
APY APY = Annual Percentage Yield Rates as of 3/15/2025
4.30%
Our Rating
4.2  / 5
CIT Bank
Platinum Savings
See Offer
Sponsored Note: Get up to a $300 Cash Bonus. FDIC Insured. See site for details.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 3/15/2025
4.46%
Our Rating
4.0  / 5
Vio Bank
Cornerstone Money Market
See Offer
Sponsored Note: Interest is compounded daily, growing your money fast
Member FDIC
APY APY = Annual Percentage Yield Rates as of 3/15/2025
3.70%
Our Rating
4.3  / 5
American Express®
High Yield Savings Account
See Offer
Sponsored Note: Interest compounds daily, deposited monthly
Member FDIC
APY APY = Annual Percentage Yield Rates as of 3/15/2025
4.50%
Our Rating
4.1  / 5
BrioDirect
High-Yield Savings
See Offer
Sponsored Note: You must deposit at least $5,000 to open your account. Member FDIC
Member FDIC
APY APY = Annual Percentage Yield Rates as of 3/15/2025
4.39%
Our Rating
3.1  / 5
Valley National Bank
High-Yield Savings Account Via Raisin
See Offer
Sponsored Note: Valley National Bank, Member FDIC. $1 minimum, with no fees to open and maintain through Raisin. $250 bonus for new customers with a minimum deposit of $25,000 with promo code GET250.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 3/15/2025
4.25%
Our Rating
3.7  / 5
Sallie Mae Bank
14 Month High-Yield CD Via Raisin
See Offer
Sponsored Note: Sallie Mae Bank, Member FDIC. $1 minimum, with no fees to open and maintain through Raisin. $250 bonus for new customers with a minimum deposit of $25,000 with promo code GET250.
Member FDIC
Bonus Amount
up to $300
Our Rating
4.3  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!
Rates
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Always verify rates and promotions with the bank or credit union. We are not Two Harbors Federal Credit Union; we are a rate comparison website and cannot provide official rates or promotions.

* 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
0.80%*$25k*-Health Savings Account
OTHER TIERS: 0.10% → $500 - $2.5k | 0.60% → $2.5k - $25k
0.05%$5-Primary Shares
0.05%$1-Christmas Shares
0.05%$1-Secondary Shares

Two Harbors Federal Credit Union Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.30%*$50k*-Money Market Shares
OTHER TIERS: 0.10% → $500 - $2.5k | 0.60% → $2.5k - $25k | 0.80% → $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
4.15%*$2.5k*-12 Month CD
OTHER TIERS: 3.84% → $500 - $2.5k
4.05%*$2.5k*-6 Month CD
OTHER TIERS: 3.74% → $500 - $2.5k
3.50%*$2.5k*-18 Month CD
OTHER TIERS: 3.20% → $500 - $2.5k
3.25%*$2.5k*-24 Month CD
OTHER TIERS: 2.94% → $500 - $2.5k
3.15%*$2.5k*-36 Month CD
OTHER TIERS: 2.84% → $500 - $2.5k
3.00%*$2.5k*-48 Month CD
OTHER TIERS: 2.70% → $500 - $2.5k
3.00%*$2.5k*-60 Month CD
OTHER TIERS: 2.70% → $500 - $2.5k

Two Harbors Federal Credit Union IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
4.15%*$2k*-12 Month IRA
OTHER TIERS: 3.84% → $500 - $2k
4.05%*$2k*-6 Month IRA
OTHER TIERS: 3.74% → $500 - $2k
3.50%*$2k*-18 Month IRA
OTHER TIERS: 3.20% → $500 - $2k
3.25%*$2k*-24 Month IRA
OTHER TIERS: 2.94% → $500 - $2k
3.15%*$2k*-36 Month IRA
OTHER TIERS: 2.84% → $500 - $2k
3.00%*$2k*-48 Month IRA
OTHER TIERS: 2.70% → $500 - $2k
3.00%*$2k*-60 Month IRA
OTHER TIERS: 2.70% → $500 - $2k
1.30%*$50k*-IRA Accounts
OTHER TIERS: 0.10% → $100 - $2.5k | 0.60% → $2.5k - $25k | 0.80% → $25k - $50k
Locations


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

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