MTEFCU is now Breakwater Federal Credit Union

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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

Closure notice

We will be closed on Monday, May 27th in observance of Memorial Day and apologize for any inconvenience.

Remember, you can perform most of your banking business via our mobile app or the two 24/7 deposit ATMs in our drive-thru!