Internal Transfers


Transfers Within an Account

If you are transferring funds within an account (such as from your savings to your checking or from your checking to a loan on the same account), you have several options:


Transfers Between MTEFCU Accounts

If you are transferring funds between two separate MTEFCU accounts, you have the following methods to choose from:

*These transfers will require Preference Access, so please contact Member Services if you would like to set up Preference Access between those accounts.

ACH Transfers

ACH Transfers allow you to securely transfer money between accounts at different financial institutions or two accounts at the same institution. They can be set up as one-time transfers or as recurring transfers, including loan payments. You can initiate this transfer at the MTEFCU or the other institution, whether you are transferring the funds to OR from your account with us. 

To send an ACH transfer, you will need:

  • The name and account number for the account at the other institution
  • The routing number for the other institution

If you want to setup Direct Deposit or set up the transfer at another financial institution, please be sure to check out the formatting requirements on our Direct Deposit page.


Note: We can only end recurring AHC transfers that were set up at our institution. If you wish to end a recurring ACH transfer that you set up at another institution between your account with them and an account with us, you will need to do so at the institution where you set it up.

Wire Transfers

Incoming Transfers

To send a wire transfer from another institution to an account at the MTEFCU, please use the following information:

  • First Credit:
    Alloya Corporate FCU
    4450 Weaver Parkway
    Warrenville, IL 60555
    ABA: 271-987-635

  • Further Credit:
    Michigan Tech Employees Federal Credit Union
    700 E Sharon Ave
    Houghton, MI 49931
    ABA: 291172682

  • Final Credit:
    Member name and account number


Outgoing Transfers

For more information on an outgoing wire, please text or call Member Services. 


Other Wire Information

Incoming international wires sometimes asks for a SWIFT code in order to send the wire.  The credit union does not have a SWIFT code and can accept international wires with the use of its routing number only.

Have a question?

Call or text: 906.482.5005
Visit: 700 E Sharon Ave., Houghton, MI 49931