Two Harbors

801 11TH ST, Two Harbors, MN 55616

NCUA Insured4.1 (15 reviews)1 charter

Verified Information

NCUA Insured

Member-Owned

1 charter

Established in 1948

Contact this credit union directly for detailed information about membership eligibility and current rates.

Membership Eligibility

Anyone who lives, works, or worships in or around Two Harbors, MN may be eligible to join. Community credit unions are open to the general public within their service area.

Check eligibility on their website →

Verified Information

NCUA Insured — deposits protected up to $250,000

Member-Owned — not-for-profit cooperative

1 charter

Established in 1948

Low-Income Designated

Contact this credit union directly for detailed information about membership eligibility, current rates, and services.

Services Offered

Auto LoansPersonal LoansChecking AccountsMortgagesBusiness LoansCredit Cards

Location & Directions

Address

801 11TH ST

Two Harbors, MN 55616

Google Maps 🗺Waze

(218) 834-2266

Service Area

This credit union is located in Two Harbors and serves members in the MN area. Currently serving 4,301 members.

Membership Info:

Contact the credit union to confirm membership eligibility requirements for your area.

Note on Membership

Credit union membership is based on a common bond. Contact this credit union directly to confirm you qualify for membership.

Financial Health

Q4 2025 · NCUA

Key indicators from NCUA regulatory filings. Tap any metric to learn what it means.

Source: NCUA Federally Insured Credit Unions list, Q4 2025.

Loan Rates

Rates sourced from NCUA call report data (Q4 2025). Contact the credit union for current rates and terms.

New Auto Loan

4.99%

Used Auto Loan

6.89%

Personal Loan

9.76%

Credit Card APR

9.90%

Important: Rates are sourced from NCUA call report filings (Q4 2025) and reflect averages reported by the credit union — not guaranteed quotes. Contact the credit union directly for current rates and terms.

Your actual rate will vary based on your credit score, loan term, and financial profile. Personal loans and credit cards tend to see the most variation.

Best Rates in MN

Lowest rates currently reported by credit unions in MN (NCUA Q4 2025).

Mayo Employees— New Auto Loan

Rochester, MN

1.99%

Crow Wing Power— Used Auto Loan

Brainerd, MN

4.29%

Pipefitters-Steamfitters— Personal Loan

Woodbury, MN

7.75%

Greater Community— Credit Card APR

Dawson, MN

6.90%

Rates from NCUA regulatory filings. Contact credit unions directly for current rates.

Branches & Locations(2 total)

Member Reviews

4.1

15 Google reviews

Reviews sourced from Google Maps. Ratings reflect member experiences at this credit union.

View on Google Maps

Head of the Lakes United Way

5 months ago

Two Harbors Federal Credit Union goes above and beyond to support our community! We are so grateful for their work sponsoring our Stuff the Bus supply drive.

George Scheidt

2 years ago

Excellent as usual as they have been my credit union for over 15 years. Randy and all his employees work hard and do an outstanding job for everyone who use or need their services. Thank you all that you do. George and Liz

Amanda W.

7 years ago

Not amused. After my car loan was paid off, problems started to trickle in. Statements started being sent to an address I never provided and I was charge $10 per piece of mail returned. $3 fee per month that I had a "inactive" account (even though it was intentionally a savings account). Deeply deeply dissatisfied. If I could give a zero I would.

Harriet Hagedorn

2 years ago

Generally, I have had positive experiences here. The ones that have been less than positive were usually due to a misunderstanding! The people in the offices are the most helpful!