MTEFCU is now Breakwater Federal Credit Union

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Online Banking

Meet Our Lenders

Our Lending Team

Jake Stevens, lending manager

Jake Stevens

Lending Manager

(906) 481-7115
[email protected]

NMLS #2596976

Macy Ryynanen

Mortgage & Consumer Loan Officer

(906) 523-7280
[email protected]

NMLS #1557528

Apply for Mortgage Loan
Apply for Consumer Loan
Schedule Appointment

Bailey Raffaelli

Mortgage & Consumer Loan Officer

(906) 481-7118
[email protected]

NMLS #2406751

Apply for Mortgage Loan
Apply for Consumer Loan
Schedule Appointment

Shannon Holman

Consumer Loan Officer

(906) 481-7114
[email protected]

NMLS #2596438

Apply for Consumer Loan
Schedule Appointment

Marya Julio

Consumer Loan Officer

(906) 481-7116
[email protected]

NMLS #2596391

Apply for Consumer Loan
Schedule Appointment

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: [email protected]

Mobile App

Download our mobile app to deposit checks, check your account balances, and more!
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