MTEFCU is now Breakwater Federal Credit Union

Experience the Credit Union Difference with BFCU!

Serving our members since 1952.

Online Banking

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. 

Breakwater Spotlight

Zogo logo with their pineapple mascot


BFCU sponsors Zogo, a financial literacy app that gamefies financial education to make it fun and easy to learn! Earn REAL GIFTCARDS by learning about

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Student working on her laptop in the library

Student Loans

BFCU has partnered with ISL Education Lending to provide our members with student loan products, whether you are looking for low-interest loans for the future

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Vision Statement

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