MTEFCU is now Breakwater Federal Credit Union

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Online Banking

Phone Banking

24/7 Account Access

Our personal automated phone teller, iTalk, provides 24/7 access to your credit union account via your phone.

Call iTalk at (877) 482-5005 to manage the following:

  • Deposit Accounts
  • Loan Accounts
  • Share Draft (Checking) Accounts
  • Transaction histories
  • Transfers between accounts
  • Loan and VISA payments

Please call/text Member Services or stop in to sign up for iTalk access.

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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© Copyright 2022 Breakwater Federal Credit Union | Privacy Policy

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!