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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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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)!