Under review

A fee schedule is on record for this institution and is being reviewed. Fees will appear here once review is complete.

Community credit union, under $300M

Breakwater Federal Credit Union

Houghton, MichiganCredit UnionChicago Fed districtFees collected Mar 17, 2026Financials Q2 2026

Under review

A fee schedule is on record for this institution and is being reviewed. Fees will appear here once review is complete.

Published fees

Published fees power benchmarks; fees under review do not.

Other feesUnder review

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Fee	Amount	vs national median	Basis	Note	Source
Other feesUnder review
Account Research	$50	—	varies	per hour, first two hours complimentary	Source
Escheat	$50	—	per item	per account	Source
Garnishment/Levy	$40	—	per item	—	Source
Inactive Account	$5	—	per month	after 12 months of inactivity	Source
Incoming Wire Transfer	$5	—	per item	—	Source
International Card Usage	—	—	per item	less than 1% of transaction	Source
Non-sufficient Funds	$30	—	per item	—	Source
Outgoing Domestic Wire Transfer	$20	—	per item	—	Source
Outgoing Foreign Wire Transfer	$37.50	—	per item	—	Source
Premature Account Closure	$25	—	one time	when closing account within 90 days of opening	Source
Stop Payment Order	$20	—	per item	—	Source

Fee change alerts

We'll write once its fee schedule is verified, and again whenever a verified fee changes. Nothing else.

Headline fees published

0 of 15

Published fees

Under review

Assets

$138.2M

Status: Under review

No verified fees yet, so there is nothing to benchmark on this page.

Financial Context

Financials as of Q2 2026 · NCUA call report

Total assets

$138.2M

Total deposits

$118.9M

Service charge income (year to date)

$271K

Fee income ratio

6.6%

Return on assets

2.13%

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Based on 37,565 published fee entries from 2,624 institutions