MTEFCU is now Breakwater Federal Credit Union

Enroll in one of our NEW programs to establish or improve your credit today!

When you take control of your credit, you take control of your future.

Enroll in one of our NEW programs to establish or improve your credit today!

Whether you have never had a loan before or are looking to improve your existing credit score and history, our new credit programs can help you learn what it takes to maintain great credit.

First Loan Program: For those who have never had a loan (or haven’t had one in a long time and no longer have a credit score)

Credit Improvement Program: For those who have a low credit score and/or derogatory credit history and want to improve them to receive lower interest rates and save money on future loans

Please Note

We will be closed on Monday, May 29 in observance of Memorial Day.

Remember, you can still deposit cash/checks via our on-site ATMs, get cash from our 9 local ATMs, and do most of your banking via our mobile app when we're closed!