MTEFCU is now Breakwater Federal Credit Union

Fees & Charges

Non-sufficient Funds (per item)$30.00
Overdraft Tolerance (per item)$30.00
Stop Payment Order (per item)$20.00
Returned Item (per item)$5.00
ID Protect (monthly)$2.00
Incoming Wire Transfer$5.00
Outgoing Domestic Wire Transfer$20.00
Outgoing Foreign Wire Transfer$37.50
Inactive Account (after 12 months, monthly)$5.00
Account Research (per hour*)$50.00
Premature Account Closure**$25.00
International Card Usage (per transaction)Up to 1%

* The first two hours of research are complimentary; the fee is assessed for any time exceeding the first two hours.

** The fee applies when closing an account within ninety (90) days of the account being opened.

Have a question?

Call or Text: 906.482.5005
Visit: 700 E Sharon Ave., Houghton, MI 49931

Please Note

We will be closed Monday, October 9 in observance of Columbus Day & Indigenous People's Day.

You can deposit cash/checks via our
on-site ATMs and do most of your banking via our mobile app when we're closed!