MTEFCU is now Breakwater Federal Credit Union

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Online Banking

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What would you like to apply for?

Membership

Click here to see what we need from you to open a membership account.

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Consumer Loan

Click here to learn about the consumer loan application process and what we need from you.

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Real Estate Loan

Click here to learn about the real estate application process and what we need from you.

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While BFCU does not offer student loans, our members have access to low-interest new loans and refinancing options through a non-profit organization, ISL Education Lending.
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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. 

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Breakwater Federal Credit Union logo white transparent
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!
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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!