AUTO • BOAT • RV LOANS - Two Harbors Federal Credit Union

In late May we broke ground on a new facility on Lake
County Road 26, across from Super One Foods. The
relocation is the result of a comprehensive site study that
reviewed our present office and possible new sites from
which we could best serve members.
Construction is already underway with plans for an
early 2016 occupation. Members can expect greater
convenience, a more accessible drive-through, better
parking, and a more energy efficient building. The THFCU
team is excited to serve you even better in our new home.
Keep reading Connection, and we’ll keep you updated on
the progress of our exciting new construction project!
THFCU members have been chatting up their savings on auto, boat
and RV loans. Have you heard the buzz? Our better-than-market rates
and flexible terms make financing affordable, and our pre-approval
rebate puts money back in your pocket immediately.
Want to hear more?
Pre-approval puts you in the driver’s seat. Simply visit Two Harbors FCU
before the dealership. Learn how much vehicle you can afford, what your
monthly payments will be, and how long it will take you to pay your loan
in full. Choose optional loan protection or extended warranty coverage for
less, then shop with confidence. When it’s time to make your purchase,
write a check for the full amount and drive off the lot! No dealership loan
paperwork, no back-and-forth debates with the finance manager.
Return to THFCU later that day or the next. We’ll
fund your pre-approved loan and we’ll give you 1%
of the loan amount back in cash. No wonder people
are talking!
AUTO • BOAT • RV LOANS
as
low
as
1.99%
APR
Rates presented are the lowest available, may include relationship discounts (up to 0.5% APR) and may change dependent on credit history, collateral, or term. Cash Rebate offer must
be approved by THFCU prior to purchase and is subject to verification of security interest.
Give your student some credit
School’s out! While the focus today may be on grad parties, summer sports and fun
in the sun, it won’t be long before classes are back in session. This summer consider
giving credit to the student in your life. A credit card from THFCU will provide help in
a pinch while teaching them the responsibility of debt and getting them started on
establishing a strong credit rating. We can work with you to ensure credit lines are set
at useful yet safe levels.
Rates and fees are almost always better than the big banks (particularly for
younger accountholders) and all purchases earn points that can be redeemed
for thousands of items from our ScoreCard Rewards program.
Ready to give credit? Apply for THFCU Visa at
our Second Avenue location, over the phone,
or online at thfcu.org.
Stay or Go. We have the home loan for you.
Moving? Staying put? Either way, we have you covered.
Stay. If you plan on staying in your home for the foreseeable future, why not improve it? THFCU has a variety of
improvement programs for projects big or small and at terms for those with or without considerable equity.
• Home Equity Loans – Borrow in one lump sum at a fixed rate. Rates as low as 4.00% APR.
• Home Equity Line of Credit (HELOC) – Borrow what you need, when you need it. Rates begin at 5.50% APR.
• MHFA Loans – For those with less equity seeking property repairs or energy-saving improvements.
Borrow up to $50,000 with terms to 20 years.
• FHA Title I Loans – Also for those with less equity, these loans can be used for a wider range of
improvements.
Go. If you’re considering a move, remember that THFCU is a full service mortgage lender with many options:
• Fast Track Mortgage – Speed up your home loan and get out of debt in as little as 10 years.
• Other Fixed Rate Mortgages – Terms to 30 years. Meet with us first and we’ll help you discover how much
home you can comfortably afford.
• Adjustable Rate Mortgages (ARMs) – Lock in to a below-market rate for 3, 5, or 7 years to dramatically lower
you monthly payment. After that, adjust with the market.
• FHA Mortgages – For those with modest incomes, these loans often require a smaller down payment than a
traditional mortgage.
• First time homebuyer – First purchase? Welcome home. We’re here to help with a loan designed for you.
Most equity and mortgage interest is tax-deductible. Consult your tax advisor for more information. Ready to apply?
Call or visit and we’ll find the loan that is right for you, regardless of whether you choose to stay or go!
Take THFCU with you this summer
Summer isn’t the vacation everyone says it is. More of us are busier than
ever in the summer months, and visits to the credit union don’t always fit
our schedule. With online and mobile access from THFCU, you don’t need
to be in our office to do business. Check balances, transfer funds, make
payments and much more from where you are, at any time of the day or
night. Get started at thfcu.org or mobile.thfcu.org.
626 Second Avenue - Two Harbors, MN 55616 • (218) 834-2266 • thfcu.org - mobile.thfcu.org