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Overview / Commentary
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 1,922nd largest credit union in the nation. It was established in 1948 and as of December of 2017, it had grown to 14 employees and 4,500 members at 1 location. Two Harbors Federal Credit Union's CD rates are 22% higher than the national average, and it has a B+ 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.
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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

NCUA #5721
Year Chartered1948
Primary Regulator
Profit Margin
Return on Assets - YTD0.35%
Return on Equity - YTD2.21%
Annual Interest Income$2.2MM
Assets and Liabilities
AssetsQ4 2017vs Q4 2016$72.7MM$72.2MM
LoansQ4 2017vs Q4 2016$47.7MM$47.2MM
DepositsQ4 2017vs Q4 2016$60.6MM$60.5MM
Equity CapitalQ4 2017vs Q4 2016$11.5MM$11.2MM
Loan Loss AllowanceQ4 2017vs Q4 2016$110.00K$113.00K
Unbacked Noncurrent LoansQ4 2017vs Q4 2016$304.00K$64.00K
Real Estate OwnedQ4 2017vs Q4 2016$0$0
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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

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

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

0.05%$500-Share Draft Plus

Two Harbors Federal Credit Union CD Rates

2.25%*$2,500*-60 Month CD
OTHER TIERS: 1.95% $500 - $2,500
2.00%*$2,500*-48 Month CD
OTHER TIERS: 1.70% $500 - $2,500
1.80%*$2,500*-36 Month CD
OTHER TIERS: 1.50% $500 - $2,500
1.50%*$2,500*-24 Month CD
OTHER TIERS: 1.20% $500 - $2,500
1.25%*$2,500*-18 Month CD
OTHER TIERS: 0.95% $500 - $2,500
1.10%*$2,500*-12 Month CD
OTHER TIERS: 0.80% $500 - $2,500
0.55%$2,500-6 Month CD

Two Harbors Federal Credit Union IRA Rates

2.25%*$2k*-60 Month IRA
OTHER TIERS: 1.95% $500 - $2,500
2.00%*$2k*-48 Month IRA
OTHER TIERS: 1.70% $500 - $2,500
1.80%*$2k*-36 Month IRA
OTHER TIERS: 1.50% $500 - $2,500
1.50%*$2k*-24 Month IRA
OTHER TIERS: 1.20% $500 - $2,500
1.25%*$2k*-18 Month IRA
OTHER TIERS: 0.95% $500 - $2,500
1.10%*$2k*-12 Month IRA
OTHER TIERS: 0.80% $500 - $2,500
0.55%$2k-6 Month IRA

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