Breakwater Credit Union
Verified rate book
Current Breakwater Credit Union rates
15 published offers verified as of August 4, 2026.
Mortgage rates
1 offer| Product | Published | Rate | Term / condition | Status |
|---|---|---|---|---|
| 62-Month Balloon (30-Year Amortization)other | 6.750% APR | 6.750% | — | Standard |
HELOC rates
1 offer| Product | Published | Rate | Term / condition | Status |
|---|---|---|---|---|
| HELOC (Variable)heloc_variable | 7.250% APR | 7.250% | — | Standard |
Personal loan rates
1 offer| Product | Published | Rate | Term / condition | Status |
|---|---|---|---|---|
| Unsecured Personal Loanpersonal_unsecured | 10.000% APR | 10.000% | — | Standard |
Credit card rates
1 offer| Product | Published | Rate | Term / condition | Status |
|---|---|---|---|---|
| Visa Cashback Credit Cardcredit_card_cash_back | 8.900% APR | 8.900% | — | Standard |
Savings & CD rates
11 offers| Product | Published | Rate | Term / condition | Status |
|---|---|---|---|---|
| Share Draftsavings | 0.05% APY | 0.05% | — | Standard |
| 48-Month Certificatecd_48mo | 1.99% APY | 1.99% | 48 mo | Standard |
| 36-Month Certificatecd_36mo | 1.99% APY | 1.99% | 36 mo | Standard |
| 60-Month Certificatecd_60mo | 1.99% APY | 1.99% | 60 mo | Standard |
| 24-Month Certificatecd_24mo | 2.97% APY | 2.97% | 24 mo | Standard |
| 7-Month Certificatecd_7mo | 3.45% APY | 3.45% | 7 mo | Standard |
| 12-Month Certificatecd_12mo | 3.45% APY | 3.45% | 12 mo | Standard |
| 6-Month Certificatecd_6mo | 3.45% APY | 3.45% | 6 mo | Standard |
| 72-Month Certificatecd_72mo | 4.92% APY | 4.75% | 72 mo | Standard |
| 84-Month Certificatecd_84mo | 5.65% APY | 5.50% | 84 mo | Standard |
| 84-Month Certificatecd_84mo | 5.90% APY | 5.75% | 84 mo | Standard |
As of August 4, 2026, Breakwater Credit Union offers mortgage rates from 6.75% APR. HELOC rates from 7.25% APR. Personal loan rates from 10% APR. Credit card rates from 8.9% APR. Savings and certificate yields up to 5.90% APY.
Source: RateAPI.dev, verified from Breakwater Credit Union's official website
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About Breakwater Credit Union
Institution facts reported to the National Credit Union Administration for Invalid Date.
- Members
- 10.4K
- Assets
- $138.4M
- Founded
- 1952
- Locations reported
- 1
- NCUA charter
- 8212
- Charter type
- Federal credit union
Services and member support
- Online membership application
- Online loan application
- Open an account online
- Electronic statements
- Mobile check deposit
- Mobile payments
- Financial counseling
- Financial education
- First-time homebuyer program
- Student scholarships
Source: NCUA quarterly call report. Services are institution-reported; confirm availability with the credit union.
Other credit unions with branches nearby
Compare membership, services, and rates from other institutions with an NCUA-reported branch nearby.
Nearest-first estimates use the center of your Census ZIP area and NCUA-reported branch locations. Distances are straight-line estimates, not driving distance.
Who Can Join Breakwater Credit Union
Membership eligibility from Breakwater Credit Union's own published criteria. How we verify this.
Community charter: live/work in Houghton, Keweenaw, Baraga
- LocationHoughton, Keweenaw, Baraga
Cost to join: About $5.
Verified from Breakwater Credit Union's membership page. Final membership determination is always made by the credit union.
Work at Breakwater Credit Union?
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Frequently Asked Questions
What rates does Breakwater Credit Union offer?
Breakwater Credit Union currently offers mortgage, HELOC, personal loan, and credit card rates. The rates shown on this page were last verified August 4, 2026 directly from the credit union's official website.
How often are Breakwater Credit Union rates updated?
RateAPI verifies Breakwater Credit Union's rates daily by scraping its official website, then normalizing the data. The figures on this page were last verified August 4, 2026.
Where does RateAPI get Breakwater Credit Union's rate data?
Rate data is collected directly from Breakwater Credit Union's official website. RateAPI has no pay-to-rank incentives; see the methodology page for how rates are collected and normalized.
What is Breakwater Credit Union's mortgage rate?
As of August 4, 2026, Breakwater Credit Union offers mortgage rates from 6.75% APR.
What is Breakwater Credit Union's HELOC rate?
As of August 4, 2026, Breakwater Credit Union offers home equity lines of credit from 7.25% APR.
What is Breakwater Credit Union's personal loan rate?
As of August 4, 2026, Breakwater Credit Union offers personal loans from 10% APR.
What is Breakwater Credit Union's best CD rate?
As of August 4, 2026, Breakwater Credit Union offers savings and certificate (CD) yields up to 5.90% APY.
Related Rate Data
Compare Breakwater Credit Union's rates against national credit-union benchmarks.
Source Information
Rate data is scraped directly from the credit union's official website and verified daily by our automated systems.
View Original SourceMethodology
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# Get rates for Breakwater Credit Union
curl "https://api.rateapi.dev/credit-unions/michigan/breakwater" \
-H "Authorization: Bearer YOUR_API_KEY"