MTEFCU is now Breakwater Federal Credit Union

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Get low rates on student loans through our nonprofit partner, ISL Education Lending!

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Get low rates on student loans through our nonprofit partner, ISL Education Lending!

We believe in providing manageable student loans with low interest rates. That’s why we’ve partnered with a nonprofit that values the same things.

If you are in need of financing for your post-secondary education or looking to refinance your high-interest student loans, apply via their website today!

Apply Now

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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. 

Apply for membership
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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!