Featured Savings Rates
Featured Accounts

Two Harbors Federal Credit Union

Popular Accounts at this Credit Union

1.85%5-year CD60 Month CD
1.15%1-year CD12 Month CD
0.10%SavingsSecondary Shares

Overview / Commentary
801 11Th St
Two Harbors, MN 55616

Two Harbors Federal Credit Union is headquartered in Two Harbors and is the 49th largest credit union in the state of Minnesota. It is also the 1,951st 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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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 - YTD0.54%
Return on Equity - YTD3.45%
Annual Interest Income$550.00K
Assets and Liabilities
AssetsQ1 2017vs Q1 2016$72.7MM$68.6MM
LoansQ1 2017vs Q1 2016$46.5MM$44.9MM
DepositsQ1 2017vs Q1 2016$60.9MM$57.1MM
Equity CapitalQ1 2017vs Q1 2016$11.3MM$11.3MM
Loan Loss AllowanceQ1 2017vs Q1 2016$113.00K$94.00K
Unbacked Noncurrent LoansQ1 2017vs Q1 2016$31.00K$110.00K
Real Estate OwnedQ1 2017vs Q1 2016$0$76.00K
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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

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

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