MTEFCU is now Breakwater Federal Credit Union

Deposit Insurance

Your savings are federally insured to at least $250,000.

It is backed by the full faith and credit of the United States Government through the National Credit Union Administration.

NCUA coverage assures you that your deposits are safe for at least $250,000.  You pay nothing for this insurance protection; it is included as a benefit of being a member of a credit union. If you have any concerns regarding the safety of your funds, please contact us.

To learn more about coverage for your specific account types, read more here.  You can also calculate your share insurance estimate courtesy of (an official website of the United States government).

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!