Two Harbors Auto Loan, HELOC & Personal Loan Rates & Who Can Join

Who Can Join Two Harbors

Membership eligibility from Two Harbors's own published criteria. How we verify this.

Community charter: live/work in Lake County

LocationLake County

Cost to join: About $5.

Verified from Two Harbors's membership page. Final membership determination is always made by the credit union.

Auto Loan Rates

Rates as of July 10, 2026

auto_new_36mo

4.240% APR

Rate4.240%

[PROMOTIONAL] Auto (New to 2021) - 36 months

auto_any_36mo

4.240% APR

Rate4.240%

[PROMOTIONAL] Large RV's and Boats - 36 months

auto_any_36mo

4.240% APR

Rate4.240%

[PROMOTIONAL] Personal RV - 36 months

auto_any_36mo

4.490% APR

Rate4.490%

[PROMOTIONAL] Auto (2020 and older) - 36 months

auto_new_48mo

4.490% APR

Rate4.490%

[PROMOTIONAL] Auto (New to 2021) - 48 months

auto_new_60mo

4.490% APR

Rate4.490%

[PROMOTIONAL] Auto (New to 2021) - 60 months

auto_new_72mo

4.490% APR

Rate4.490%

[PROMOTIONAL] Auto (New to 2021) - 72 months

auto_any_48mo

4.490% APR

Rate4.490%

[PROMOTIONAL] Large RV's and Boats - 48 months

auto_any_60mo

4.490% APR

Rate4.490%

[PROMOTIONAL] Large RV's and Boats - 60 months

auto_any_72mo

4.490% APR

Rate4.490%

[PROMOTIONAL] Large RV's and Boats - 72 months

auto_any_48mo

4.490% APR

Rate4.490%

[PROMOTIONAL] Personal RV - 48 months

auto_any_60mo

4.490% APR

Rate4.490%

[PROMOTIONAL] Personal RV - 60 months

auto_any_48mo

4.740% APR

Rate4.740%

[PROMOTIONAL] Auto (2020 and older) - 48 months

auto_any_60mo

4.940% APR

Rate4.940%

[PROMOTIONAL] Auto (2020 and older) - 60 months

auto_new_78mo

6.240% APR

Rate6.240%

[PROMOTIONAL] Auto (New to 2021) - 78 months

auto_new_84mo

6.240% APR

Rate6.240%

[PROMOTIONAL] Auto (New to 2021) - 84 months

auto_any_72mo

6.590% APR

Rate6.590%

[PROMOTIONAL] Auto (2020 and older) - 72 months

auto_any_78mo

7.490% APR

Rate7.490%

[PROMOTIONAL] Large RV's and Boats - 78 months

credit_card_platinum

9.900% APR

Rate9.900%

VISA Platinum

HELOC Rates

Rates as of July 10, 2026

heloc_variable

3.500% APR

Rate3.500%

HELOC

heloc_fixed

5.790% APR

Rate5.790%

[PROMOTIONAL] Fixed 15 years Home Equity

Personal Loan Rates

Rates as of July 10, 2026

personal_unsecured

9.640% APR

Rate9.640%

[PROMOTIONAL] Unsecured Loan

Frequently Asked Questions

What rates does Two Harbors offer?

Two Harbors currently offers auto loan, HELOC, and personal loan rates. The rates shown on this page were last verified July 10, 2026 directly from the credit union's official website.

How often are Two Harbors rates updated?

RateAPI verifies Two Harbors's rates daily by scraping its official website, then normalizing the data. The figures on this page were last verified July 10, 2026.

Where does RateAPI get Two Harbors's rate data?

Rate data is collected directly from Two Harbors's official website. RateAPI has no pay-to-rank incentives; see the methodology page for how rates are collected and normalized.

What is Two Harbors's auto loan rate?

As of July 10, 2026, Two Harbors offers auto loans from 4.24% APR.

Related Rate Data

Compare Two Harbors's rates against national credit-union benchmarks.

More Minnesota credit unions Auto loan rate benchmark HELOC rates Personal loan rates How we verify rates

Source Information

Rate data is scraped directly from the credit union's official website and verified daily by our automated systems.

View Original Source

Methodology

Learn how we collect, normalize, and verify rate data with full transparency and no pay-to-rank incentives.

View Methodology

Use it via API

Access this data programmatically with our REST API

terminal

# Get rates for Two Harbors
curl "https://api.rateapi.dev/credit-unions/minnesota/two-harbors" \
  -H "Authorization: Bearer YOUR_API_KEY"

Explore API Documentation Use with Claude