Credit union · NCUA insured
Two Harbors FCU
A $120.9M credit union headquartered in Two Harbors, MN, with 4,276 members and 1 branch in Minnesota.
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About Two Harbors FCU
Two Harbors Federal Credit Union was founded in 1948.
The credit union was established by people in the Two Harbors area as an alternative to commercial banks, envisioning a model financial cooperative for borrowing and saving.
THFCU is dedicated to meeting the financial needs of its members and communities across Lake County and surrounding townships.
- Headquarters
- 801 11th St, Two Harbors, MN 55616
- NCUA charter
- 5721
Membership
Who can join
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Membership is open to anyone who lives, works, attends school, or worships in Lake County, specific surrounding townships, or the 9th voting district within Duluth (Lakeside area).
Cost to join
- A $5.00 deposit to a share savings account makes you a member/owner.
Branches
1 branch in Minnesota
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Minnesota
1 branch
- Main OfficeMain office801 11th St, Two Harbors, MN 55616Directions
Walk-in offices from the NCUA directory as of March 31, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
Well capitalizedas reported to the NCUA
| Measure | This credit union | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalNet worth ratio | 14.35% | 11.43% | 13.58% or more |
| Troubled loans60+ days late | 0.07% | 0.68% | 0.39% or less |
| ProfitabilityReturn on assets | 0.60% | 0.75% | 1.18% or more |
| LendingLoans per $100 deposited | $79 | $76 | — |
- CapitalNet worth ratio14.35%Peers’ middle 11.43% · Top 25% 13.58%+
- Troubled loans60+ days late0.07%Peers’ middle 0.68% · Top 25% ≤0.39%
- ProfitabilityReturn on assets0.60%Peers’ middle 0.75% · Top 25% 1.18%+
- LendingLoans per $100 deposited$79Peers’ middle $76
Compared with the 1,338 credit unions with $100 million to $1 billion in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are loans 60 or more days late.
Regulators’ own ratings of Two Harbors FCU are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.