Location, Hours, & ATMs

Visit Us

Breakwater Federal Credit Union
700 E Sharon Ave.
Houghton, MI 49931

Call/Text: (906) 482-5005 
Fax: (906) 482-2451

Hours

Lobby Hours
M – F: 8:30 AM – 5:00 PM

Drive-up Hours
M – F: 8:30 AM – 5:00 PM
Sat: 9:00 AM – 12:00 PM

Drive-Up ATMs
Open 24/7

ATMs

HOUGHTON
Main branch*
MTU Student Development Center
Wadsworth Hall
MTU Memorial Union Building

HANCOCK
Jutila Center
Keweenaw Co-op
Portage Hospital

CALUMET
AmericInn*

NATIONAL
When traveling across the country or to Puerto Rico, visit www.moneypass.com to find a no-fee ATM near you!

*Both ATMs in our drive-up and the one at the AmericInn accept deposits.

2025 Holiday Closures

January 1:  New Year’s Day
January 20: Martin Luther King Jr. Day
February 17: Presidents Day/ Washington’s Birthday
April 18: Good Friday (Close at 12 pm)
May 26: Memorial Day 
June 19: Juneteenth
July 4: Independence Day
September 1: Labor Day
October 13: Columbus Day/Indigenous People’s Day
November 11: Veterans Day
November 27: Thanksgiving Day
December 24: Christmas Eve 
December 25: Christmas Day
December 31: New Years Eve (Close at 12 pm)

Closure notice

We will be closed on Monday, January 20 in observance of Martin Luther King Jr. 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)!