MTEFCU is now Breakwater Federal Credit Union

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How to Become a Member

What do I need to open a membership account?

  1. Valid, unexpired government-issued ID (i.e. driver’s license or passport) OR copy of birth certificate and social security card
  2. Social security number (if you have one; if you don’t, see special requirements for non-US citizen below)
  3. Proof of address (if the one on your ID is no longer valid; i.e. utility bill or rental agreement)
  4. $25 share deposit ($5 for youth/teen accounts)


Special Requirements:

  • Parent/guardian to be joint on account (youth/teen only)
  • DHS-authorized social security card (non-US citizen only)
  • Completed W-8BEN form (non-US citizen only; instructions available here)
  • Second form of photo ID (non-US citizen only, if first ID does not state country of origin)
  • Proof of EIN (i.e. letter from IRS; orgs and businesses only)
  • Meeting minutes which specifically state an account can be opened at BFCU and who can be on the account (download template; orgs only)
Closure notice

We will close early at 3:00 pm on Thursday, December 14 to have a holiday party for our employees.

You can deposit cash/checks via our on-site ATMs and do most of your banking via our mobile app when our lobby is closed!