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Two Harbors Federal Credit Union


TODAY'S FEATURED RATES
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/12/2025
4.00%
Our Rating
4.2  / 5
CIT Bank
Platinum Savings
See Offer
Sponsored Note: Earn more with a min. balance of $5K. Savings starts at $100. FDIC Insured.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/12/2025
3.80%
Our Rating
4.2  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: +0.20% boost to 4.00% for up to 6 months on new accounts with eligible direct deposit. Terms apply.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/12/2025
3.60%
Our Rating
4.3  / 5
American Express
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 7/12/2025
3.50%
Our Rating
4.4  / 5
Capital One
360 Performance Savings
See Offer
Sponsored Note: It only takes about 5 minutes to open a fee-free account. Member FDIC.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/12/2025
4.44%
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
Bonus Amount
up to $300
Our Rating
4.2  / 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 42nd 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 March of 2025, it had grown to 13 employees and 4,305 members at 1 location. Two Harbors Federal Credit Union's CD rates are 4X 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

Reviews

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Health
A

Data as of Q1 2025

Learn why bank health matters

Health Grade Components

Overall
NCUA #5721
Year Chartered1948
Employees13
Primary Regulator
Profit Margin
Return on Assets - YTD0.92%
Return on Equity - YTD6.43%
Annual Interest Income$1.2MM
Assets and Liabilities
AssetsQ1 2025vs Q1 2024$113MM$111.6MM
LoansQ1 2025vs Q1 2024$73.7MM$72MM
DepositsQ1 2025vs Q1 2024$96.2MM$95.9MM
Equity CapitalQ1 2025vs Q1 2024$16MM$15.1MM
Loan Loss AllowanceQ1 2025vs Q1 2024$191K$111K
Unbacked Noncurrent LoansQ1 2025vs Q1 2024$91K$8K
Real Estate OwnedQ1 2025vs Q1 2024$0$0
TODAY'S FEATURED RATES
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/12/2025
4.00%
Our Rating
4.2  / 5
CIT Bank
Platinum Savings
See Offer
Sponsored Note: Earn more with a min. balance of $5K. Savings starts at $100. FDIC Insured.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/12/2025
3.80%
Our Rating
4.2  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: +0.20% boost to 4.00% for up to 6 months on new accounts with eligible direct deposit. Terms apply.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/12/2025
3.60%
Our Rating
4.3  / 5
American Express
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 7/12/2025
3.50%
Our Rating
4.4  / 5
Capital One
360 Performance Savings
See Offer
Sponsored Note: It only takes about 5 minutes to open a fee-free account. Member FDIC.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/12/2025
4.44%
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
Bonus Amount
up to $300
Our Rating
4.2  / 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
4.05%*$2.5k*-6 Month CD
OTHER TIERS: 3.74% → $500 - $2.5k
4.00%*$2.5k*-12 Month CD
OTHER TIERS: 3.69% → $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
4.05%*$2k*-6 Month IRA
OTHER TIERS: 3.74% → $500 - $2k
4.00%*$2k*-12 Month IRA
OTHER TIERS: 3.69% → $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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