Fees & Charges

Non-sufficient Funds (per item)$30.00
Overdraft Tolerance (per item)$30.00
Stop Payment Order (per item)$20.00
Returned Item (per item)$5.00
ID Protect (monthly)$2.00
Incoming Wire Transfer$5.00
Outgoing Domestic Wire Transfer$20.00
Outgoing Foreign Wire Transfer$37.50
Inactive Account (after 12 months, monthly)$5.00
Escheat$50.00
Garnishment/Levy$40.00
Account Research (per hour*)$50.00
Premature Account Closure**$25.00
International Card Usage (per transaction)Up to 1%

* The first two hours of research are complimentary; the fee is assessed for any time exceeding the first two hours.

** The fee applies when closing an account within ninety (90) days of the account being opened.

Have a question?

Call or Text: 906.482.5005
Email: info@breakwaterfcu.org
Visit: 700 E Sharon Ave., Houghton, MI 49931

Closure notice

We will be closed on Thursday, November 28in observance of Thanksgiving Day.

Remember, you can perform most of your banking business via our mobile app or our 24/7 deposit ATMs (credit union drive-up and Calumet AmericInn)!