Two Harbors Federal Credit Union

Popular Accounts at this Credit Union

APY	ACCOUNT TYPE	ACCOUNT NAME
2.25%	5-year CD	60 Month CD 3.00% - American Express National Bank 60 Month CD
1.10%	1-year CD	12 Month CD 2.45% - Barclays 12 Month Online CD
0.15%	Savings	Secondary Shares 1.80% - American Express National Bank High Yield Savings Account

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 47^th largest credit union in the state of Minnesota. It is also the 1,895^th largest credit union in the nation. It was established in 1948 and as of June of 2018, it had grown to 13 employees and 4,502 members at 1 location. Two Harbors Federal Credit Union's CD rates are 22% 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 Q2 2018

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	13
Primary Regulator

Profit Margin
Return on Assets - YTD	0.5%
Return on Equity - YTD	3.25%
Annual Interest Income	$1.2MM

Assets and Liabilities
Assets	Q2 2018vs Q2 2017	$76.0MM$71.6MM
Loans	Q2 2018vs Q2 2017	$49.9MM$47.3MM
Deposits	Q2 2018vs Q2 2017	$63.9MM$59.8MM
Equity Capital	Q2 2018vs Q2 2017	$11.7MM$11.4MM
Loan Loss Allowance	Q2 2018vs Q2 2017	$105.00K$111.00K
Unbacked Noncurrent Loans	Q2 2018vs Q2 2017	$119.00K$186.00K
Real Estate Owned	Q2 2018vs Q2 2017	$50.00K$0

Rates

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Savings
Money Market
Checking
CD
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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
1.00%^*	$25k^*	-	Health Savings Account
OTHER TIERS: 0.50% → $500 - $2.5k \| 0.75% → $2.5k - $25k
0.40%^*	$50k^*	-	IRA Accounts
OTHER TIERS: 0.25% → $100 - $2.5k \| 0.30% → $2.5k - $25k \| 0.35% → $25k - $50k
0.15%	$5	-	Primary Shares
0.15%	$1	-	Christmas Shares
0.15%	$1	-	Secondary Shares

Two Harbors Federal Credit Union Money Market Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
0.30%^*	$25k^*	-	Money Market Shares
OTHER TIERS: 0.10% → $500 - $2.5k \| 0.25% → $2.5k - $25k

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
2.25%^*	$2.5k^*	-	60 Month CD
OTHER TIERS: 1.95% → $500 - $2.5k
2.00%^*	$2.5k^*	-	48 Month CD
OTHER TIERS: 1.70% → $500 - $2.5k
1.80%^*	$2.5k^*	-	36 Month CD
OTHER TIERS: 1.50% → $500 - $2.5k
1.50%^*	$2.5k^*	-	24 Month CD
OTHER TIERS: 1.20% → $500 - $2.5k
1.25%^*	$2.5k^*	-	18 Month CD
OTHER TIERS: 0.95% → $500 - $2.5k
1.10%^*	$2.5k^*	-	12 Month CD
OTHER TIERS: 0.80% → $500 - $2.5k
0.55%	$2.5k	-	6 Month CD

Two Harbors Federal Credit Union IRA Rates

APY	MIN	MAX	ACCOUNT NAME
2.25%^*	$2k^*	-	60 Month IRA
OTHER TIERS: 1.95% → $500 - $2k
2.00%^*	$2k^*	-	48 Month IRA
OTHER TIERS: 1.70% → $500 - $2k
1.80%^*	$2k^*	-	36 Month IRA
OTHER TIERS: 1.50% → $500 - $2k
1.50%^*	$2k^*	-	24 Month IRA
OTHER TIERS: 1.20% → $500 - $2k
1.25%^*	$2k^*	-	18 Month IRA
OTHER TIERS: 0.95% → $500 - $2k
1.10%^*	$2k^*	-	12 Month IRA
OTHER TIERS: 0.80% → $500 - $2k
0.55%	$2k	-	6 Month IRA

Locations

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

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