801 11TH ST
Two Harbors, MN 55616
See all branch locations →

Notable Rates APY Vs.Others
Savings 0.10% 0.95% →
1-Year CD 0.70% 1.01% →
2-Year CD 0.90% 0.95% →
5-Year CD 1.40% 1.30% →
30-Year Mortgage N.A. 2.80% →
15-Year Mortgage N.A. 2.37% →
HELOC N.A. 2.79% →

2020 Overview

General Credit Union Information

Two Harbors is an NCUA insured institution located in Two Harbors, MN. It was founded in 1948 and has approximately $84.01 millions in assets.

NCUA Insured Yes
Charter Number # # 5721
Date Established 1948
Assets $84.01 million
Loans $54.69 million
Deposits $70.83 million
Capital $12.65 million

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.

Deposit Rates - October 25, 2020

Your Current Location: Washington, WA 98101

Savings and Money Market Rates (Share Account Rates) APY MIN MAX
0.10% $2,500 $4,999 Learn More
Money Market
0.15% $2,500 $2,999 Learn More
Money Market
0.15% $10,000 $14,999 Learn More
Money Market
0.20% $25,000 $29,999 Learn More
CD Rates (Share Certificate Rates) APY MIN MAX
6 Mo CD
0.35% $10,000 $14,999 Learn More
6 Mo CD
0.50% $100,000 $199,999 Learn More
12 Mo CD
0.55% $10,000 $14,999 Learn More
12 Mo CD
0.70% $100,000 $199,999 Learn More
18 Mo CD
0.65% $10,000 $14,999 Learn More
18 Mo CD
0.80% $100,000 $199,999 Learn More
24 Mo CD
0.75% $10,000 $14,999 Learn More
24 Mo CD
0.90% $100,000 $199,999 Learn More
36 Mo CD
0.90% $10,000 $14,999 Learn More
36 Mo CD
1.05% $100,000 $199,999 Learn More
48 Mo CD
1.10% $10,000 $14,999 Learn More
48 Mo CD
1.25% $100,000 $199,999 Learn More
60 Mo CD
1.25% $10,000 $14,999 Learn More
60 Mo CD
1.40% $100,000 $199,999 Learn More
Int Checking Rates APY MIN MAX
Int Ckg
0.05% $2,500 $3,499 Learn MoreShow Less

Loan Rates - October 25, 2020

Your Current Location: Washington, WA 98101

There are currently no loan rates available for TWO HARBORS

Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:

Featured - Washington 30 Year Fixed Mortgage Rates 2020

Lender APR Rate (%) Points Fees Monthly
Learn More
Rocket Mortgage
NMLS ID: 3030
3.746% 3.625% 1.00 $3,750 $1,141 Learn More
Cascadia Mortgage
NMLS ID: 1505422
License#: NMLS #1505422
2.830% 2.750% 0.63 $2,622 $1,021 Learn More
NMLS ID: 2890
License#: 520-CL-25944
2.575% 2.500% 1.00 $2,470 $988 Learn More

Featured - Washington Home Equity Line Of Credit Rates 2020

Lender APR (%)? Monthly Payment? Learn More

To upload and update your bank's rates please register. It is free to register and add rates.


Below are Two Harbors branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.

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Two Harbors Locations

Financial Details

Two Harbors Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Two Harbors. The data is provided by the NCUA. All credit unions on BestCashCow, except those specified as not NCUA-insured in the overview section above, are NCUA-insured. Depositors should be careful to remain within NCUA insurance limits.

Texas Ratio
Two Harbors U.S. Average
2.46% 6.71

The Texas Ratio compares the amount of loans at risk and assets repossessed with the amount a credit union has on hand to cover any losses. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a credit union has to absorb its loan losses.

As of March 30, 2020, Two Harbors had $290,130 in non-current loans and $23,221 in owned assets. To cover these potential losses it had $12,649,635 in net worth and $106,311 in loans loss reserves. That gives it a Texas Ratio of 2.46%.

Net Worth
Two Harbors U.S. Average
15.05% 13.61%

Two Harbors FCU has a net worth of 15.05% versus the BestCashCow average of 13.61. Net worth measures how much total assets exceed total liabilities. The higher the net worth number the more secure a credit union is considered.

Frequently Asked Questions About Two Harbors

Branches and Savings

What is Two Harbors?

A federal credit union, registered with the NCUA under certificate #5721.
Learn more about credit unions here.

Is Two Harbors FDIC insured?

No, credit unions are not insured by the FDIC. They are insured by the National Credit Union Administration. The insurance provisions of the NCUA are similar to, but not identical to, FDIC insurance.

Who can join Two Harbors?

Please see Field of Membership information above for information on who is eligible to join.

What are Two Harbors's share account and share certificate rates?

Two Harbors's deposit account rates are listed above.
You may find better online savings rates here or better local savings rates at banks or credit unions. Tables with the best CD rates are here.

How big is Two Harbors?

Two Harbors has total capital of $12.65 million. Full information on Two Harbors's financial position is located above.

Who owns Two Harbors?

Credit Unions are owned by their members.

Where are Two Harbors branches located?

See branch locations nearby.

Are Two Harbors ATMs Open 24/7?

Do Two Harbors ATMs accept cash deposits?

Can Two Harbors customers use other ATMs? What is the charge for withdrawing money from another ATM?

Does Two Harbors have a mobile app?

Does Two Harbors have mobile deposit?

Does Two Harbors have quick pay?

How can Two Harbors transfer money to other banks or credit unions?

Does Two Harbors report to credit bureaus?

Does Two Harbors use Chexsystems?

Does Two Harbors use Equifax?

What is Two Harbors's toll free phone number?

What is Two Harbors's ACH Routing Number?

What is Two Harbors's SWIFT code?

Where can I find Two Harbors's wire transfer form?

What is the Two Harbors address for deposits?

What Products Does Two Harbors Offer

Does Two Harbors offer mortgages?

Compare mortgage rates here.

Does Two Harbors offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does Two Harbors offer auto and RV loans?

Compare auto loan rates here.

Does Two Harbors offer student loans or personal loans?

Compare personal loan rates here.

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