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Membership

Become a member.

Become a member and own a share of Breakwater Federal Credit Union!

Membership is open to anyone who lives, works, worships, attends school, or regularly conducts business in Houghton, Keweenaw, or Baraga County. 

Personal Accounts

Types of Ownership

  • Youth Saver (ages 0-12)
  • Teen Saver (ages 13-17)
  • Regular (ages 18-54)
  • Prestige (ages 55+)

Identification Requirements

  • Valid photo ID (for minors who do not have a photo ID, we require copies of both their birth certificate and social security card)
  • SSN (if applicable)
  • Proof of address (if different from the one, or if not listed, on your ID)
  • $25 share deposit for Regular/Prestige OR $5 share deposit for Youth Saver/Teen Saver

Organization Accounts

Whether you are a student organization or a local club, you can open an account at the BFCU.

Identification Requirements

  • Proof of EIN number (such as a letter from the IRS)
  • Meeting minutes which specifically state that an account can be opened at BFCU and who is to be authorized on the account. We have a meeting minutes template available for those who need it.
  • Authorized signer(s) must provide a valid photo ID, SSN (if applicable), and proof of address (if different from the one, or if not listed, on IDs)
  • $25 share deposit
 

Business Accounts

What kind of business accounts does BFCU open?

  • Individual Doing-Business-As (DBAs)
  • Sole Proprietorship

Note: We do not currently open accounts for Partnership DBAs, Limited Liability Companies (LLCs), or Corporations (INCs). If you have any questions about these account types, you can contact Member Services.

 

Identification Requirements

  • Proof of EIN number (if applicable)
  • Copy of business registration paperwork
  • Authorized signer(s) must provide a valid photo ID, SSN, and proof of address (if different from the one, or if not listed, on IDs)
  • $25 share deposit
 

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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Closure notice

We will observe the following closures for the winter holidays:
CLOSED on Christmas Eve, Christmas Day, and New Years Day (Dec 24, Dec 25, and Jan 1). OPEN 8:30-12pm on New Years Eve (Dec 31).

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)!