MTEFCU is now Breakwater Federal Credit Union

Location, Hours, & ATMs

Visit Us

Breakwater Federal Credit Union
700 E Sharon Ave.
Houghton, MI 49931

Call/Text: (906) 482-5005 
Fax: (906) 482-2451


Lobby Hours
M – F: 8:30 AM – 5:00 PM

Drive-up Hours
M – Th: 8:30 AM – 5:00 PM
Fri: 8:30 AM – 6:00 PM
Sat: 9:00 AM – 12:00 PM

Drive-Up ATM
Open 24/7



Main branch*
MTU Student Development Center
Wadsworth Hall
MTU Memorial Union Building

Jutila Center
Keweenaw Co-op
Portage Hospital


*Our main branch has two ATMs in the drive-thru, both of which accept deposits as well.

2023 Holiday Closures

January 2:  New Year’s Day (observed)
January 16: Martin Luther King Jr. Day
February 20: Presidents Day/ Washington’s Birthday
April 7: Good Friday (Close at 12 pm)
May 29: Memorial Day 
June 19: Juneteenth
July 4: Independence Day
September 4: Labor Day
October 9: Columbus Day/Indigenous People’s Day
November 10: Veterans Day (observed)
November 23: Thanksgiving Day
December 25: Christmas Day

January 1, 2024: New Years Day

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!