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Text Content

MTEFCU is now Breakwater Federal Credit Union

 * Call or Text: (906) 482-5005
 * Breakwater Spotlight
 * ATM Locations & Hours
 * Schedule Appointment

Search
Search
Close this search box.
 * Bank
   * Membership
   * Types of Accounts
   * New Account Resources
   * Transfers
   * Card Assistance
   * Deposit Insurance
   * Direct Deposit
 * Borrow
   * Meet Our Lenders
   * Real Estate Loans
   * Consumer / Personal Loans
   * Student Loans
   * VISA Cash Back Credit Card
   * Credit Programs
   * Loan Insurance
 * Rates
 * Services
   * Online Banking
   * Mobile App
   * Phone Banking
   * ID Protect
   * Coin Machine
   * Mobile Wallets
   * Member Vehicle Lot
 * About Us
   * Annual Meetings & Reports
   * Location, Hours, & ATMs
   * Routing & Transit
   * Fees & Charges
   * FAQs
   * Careers
   * Contact Us
 * Education Center
   * Budgeting Basics
   * Understanding Credit
   * Preparing for a Loan Appointment
   * Overwhelmed by Debt?
   * College Scholarships
   * Credit Report Checkups
   * Experian Boost
   * MoneyDesktop & MoneyMobile
   * Cost-Effective Activity Ideas
   * Youth Apps & Games
   * Glossary

Menu
 * Bank
   * Membership
   * Types of Accounts
   * New Account Resources
   * Transfers
   * Card Assistance
   * Deposit Insurance
   * Direct Deposit
 * Borrow
   * Meet Our Lenders
   * Real Estate Loans
   * Consumer / Personal Loans
   * Student Loans
   * VISA Cash Back Credit Card
   * Credit Programs
   * Loan Insurance
 * Rates
 * Services
   * Online Banking
   * Mobile App
   * Phone Banking
   * ID Protect
   * Coin Machine
   * Mobile Wallets
   * Member Vehicle Lot
 * About Us
   * Annual Meetings & Reports
   * Location, Hours, & ATMs
   * Routing & Transit
   * Fees & Charges
   * FAQs
   * Careers
   * Contact Us
 * Education Center
   * Budgeting Basics
   * Understanding Credit
   * Preparing for a Loan Appointment
   * Overwhelmed by Debt?
   * College Scholarships
   * Credit Report Checkups
   * Experian Boost
   * MoneyDesktop & MoneyMobile
   * Cost-Effective Activity Ideas
   * Youth Apps & Games
   * Glossary

Apply
Online Banking


EXPERIENCE THE CREDIT UNION DIFFERENCE WITH BFCU!


SERVING OUR MEMBERS SINCE 1952.

Become a member today


ONLINE BANKING

Online Banking ID:

RATES

APPLY FOR LOAN

FAQS


WHY BREAKWATER FEDERAL CREDIT UNION?

When you’re a member of BFCU, you’re part of something bigger. BFCU is a
not-for-profit institution, which means that our members are also the owners,
and their financial health is prioritized above all else. 

When we were founded in 1952, our primary goal was to provide members with
access to loans with reasonable interest rates, and that still rings true today!

Put your money where it works for you, not for some invisible investor, and join
the BFCU today. 




LOWER LOAN RATES,
LESS FEES.

We don’t say this just to get you in the door; we work tirelessly to provide you
ways that are going to improve your financial situation. From mortgages to
vehicle loans, when we say our rates are lower and our fees are less, we mean
it. 

See our rates


BREAKWATER SPOTLIGHT


HAVE YOU FOUND THE PERFECT HOME FOR YOUR FAMILY BUT AREN’T SURE WHAT TO DO NEXT?

At Breakwater Federal Credit Union, we have home and land loan programs to fit
each borrower’s needs. Home Loan Purchases Are you looking to finance

Learn More »


VISION STATEMENT

To be a credit union people want to be a part of.


REAP THE REWARDS OF BEING A MEMBER.

There’s no question about it: we’re different but in the best way. We make you
and your financial well-being our priority. 

Apply for membership

Routing Number: 291172682

CONTACT US

700 E. Sharon Ave.,
Houghton, MI 49931

Call or Text: 906.482.5005
Fax: 906.482.2451
Email: info@breakwaterfcu.org

MOBILE APP

Download our mobile app to deposit checks, check your account balances, and
more!



© Copyright 2022 Breakwater Federal Credit Union | Privacy Policy