Borrow

Low Loan Rates, Less Fees.

What sets a credit union apart from a bank? At BFCU, we strive to provide the lowest loan rates with less loan fees. If you are able to find a better loan option at another institution within Houghton, Keweenaw, or Baraga counties, let us know!

Closure notice

Breakwater Federal Credit Union will be closed on Monday, February 17, 2025, for Presidents' Day.

Remember, you can perform most of your banking needs via our online banking, mobile app, and three deposit ATMs (located in the credit union drive-up and Calumet AmericInn lobby)!