Credit union · NCUA insured
Two Harbors FCU Credit Card Rates
Two Harbors FCU credit cards start at 9.90% APR on purchases, after any introductory rate. Rates checked October 16, 2026.
How Two Harbors FCU’s credit card rates compare
Compared with banks and credit unions in Minnesota, where Two Harbors FCU has the most branches. Ongoing purchase APR, lowest first.
This credit union’s lowest
Two Harbors FCU
9.90%APR
- Up to
- —
Rewards Visa Credit Card
Lowest rate
Greater Community CU
6.90%APR
- Up to
- —
2nd-lowest rate
Minnesota Power Employee Credit Union
7.90%APR
- Up to
- 15.90% APR
Two Harbors FCU credit card score
84
Credit card score
Higher than 65% of U.S. banks and credit unions
- Purchase APRPurchase APR9.90%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Two Harbors FCU ranks
By credit card score, in each area where it has branches
Every rate
Current credit card rates
Rates from the credit union’s website. Most are “as low as” rates for the best credit; yours depends on your credit.
Rewards Visa Credit Card
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 9.90% | None | No annual fee, no cash advance fee and no balance transfer fee. |
Sources (1)
- thfcu.org/loans/rewardsVISA.php · captured Oct 7, 2026
Who can join Two Harbors FCU
This may be incomplete or out of date, so check with the credit union before you apply.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.
Membership information collected October 4, 2026.