Breakwater Federal Credit Union

Headquarters: Houghton, Michigan
Charter: Credit Union
Assets: $138.2M
Fed district: Minneapolis

8 published fees; none has a market median to compare yet.

Source: its fee schedule, read Nov 3, 2026.

Explore Hamilton View published fees

Fees against the market

Comparison with U.S. medians for fees published by banks and credit unions.

Overdraft (OD)
Breakwater Federal Credit Union: $30
Breakwater Federal Credit Union: $30
U.S. median: no median
NSF / Returned Item
Compared at $17.50, the middle of its prices
Breakwater Federal Credit Union: $5 to $30
Breakwater Federal Credit Union: $5 to $30
U.S. median: no median
Wire Transfer (Domestic Out)
Breakwater Federal Credit Union: $20
Breakwater Federal Credit Union: $20
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Nov 3, 2026View sources

Each amount links to the fee schedule it was read from. Medians for Michigan, the Minneapolis district and the U.S.: Bank Fee Index published fees, shown where at least 5 institutions publish the fee.

Compared at: The value this page compares: its one price, or the middle of its prices when it lists several (the highest, its standard fee, for overdraft).
Same rules: Its fees and every median use the same rules. Business-only fees are left out. So are CD, IRA, card inactivity, box drilling and key fees filed under a fee they don’t match, and fees charged by a different period than the median (a quarterly fee beside monthly ones).
Michigan: Banks and credit unions headquartered in Michigan that publish the fee.
Minneapolis district: Banks and credit unions headquartered in the Minneapolis Fed district that publish the fee.
U.S.: Banks and credit unions across the Bank Fee Index that publish the fee.
About the same: Within 1% of the median.
Account: Fees not tied to a named account apply across its personal accounts.

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Among its peers

Breakwater Federal Credit Union · $138M in assets

The 25 credit unions closest in assets

Credit unions of similar size, for comparing published prices. Not local competitors: they're spread over 17 states.

Credit unions only
$135M to $142M in assets
Headquartered in 17 states

See the 25 institutions

The institutions in this peer set, with the fees each publishes
Institution	City, state	Assets	Maintenance	ATM	Domestic wire	Intl. wire	Overdraft
Breakwater Federal Credit Union(this institution)	Houghton, MI	$138M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
1St Ed Credit Union	Chambersburg, PA	$138M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Allied Federal Credit Union	Arlington, TX	$138M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Aurora Federal Credit Union	Aurora, CO	$140M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Overdraft not published
Baptist Health South Florida Federal Credit Union	Miami, FL	$140M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Campbell Federal Credit Union	Maple Shade, NJ	$139M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Overdraft not published
Central Missouri Community Federal Credit Union	Warrensburg, MO	$140M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Publishes Overdraft
Coastline Federal Credit Union	Jacksonville, FL	$136M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
County Excellence Federal Credit Union	Roselle Park, NJ	$138M	Monthly maintenance not published	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Overdraft not published
Delaware State Police Federal Credit Union	Georgetown, DE	$138M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
Dept Of Labor Federal Credit Union	Washington, DC	$138M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Family First Federal Credit Union	Hapeville, GA	$136M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
First Priority Federal Credit Union	Boston, MA	$139M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Healthcare Employees Federal Credit Union	Princeton, NJ	$137M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
Healthcare Systems Federal Credit Union	Falls Church, VA	$135M	Monthly maintenance not published	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Publishes Overdraft
Horizons North Federal Credit Union	Westminster, CO	$136M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Indiana State University Federal Credit Union	Terre Haute, IN	$140M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Liberty Savings Federal Credit Union	Jersey City, NJ	$135M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Mtcu Federal Credit Union	Midland, TX	$137M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
Pacific Cascade Federal Credit Union	Eugene, OR	$140M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Overdraft not published
Pacific Horizon Federal Credit Union	Springville, UT	$141M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
The One Federal Credit Union	Meadville, PA	$139M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
Wailuku Federal Credit Union	Kahului, HI	$135M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
Walled Lake Schools Federal Credit Union	Wolverine Lake, MI	$138M	Monthly maintenance not published	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Publishes Overdraft
West Virginia Federal Credit Union	South Charleston, WV	$142M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Workmen'S Circle Incorporated Federal Credit Union	Savannah, GA	$135M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	Publishes International wire	Publishes Overdraft

✓ publishes the fee. – not published.

25 peers selected · 13 publish this fee(monthly maintenance)

12 don't publish it: shown as not published, never as zero.

Fee type

Peer pricing snapshot

Breakwater Federal Credit Union does not publish a monthly maintenance fee in the index.

The peer median is $5 among 13 publishing peers.

This describes published pricing only. Account mix, waivers and actual fee revenue are not represented.

Source: Bank Fee Index, published fee schedules, as of Nov 2, 2026.

Monthly maintenance fee in dollars, one mark per institution

Breakwater Federal Credit Union does not publish a monthly maintenance fee, so it is not on this chart.

Breakwater Federal Credit…Peer (equal prices stack)Peer median

Hamilton is the Fee Insight workspace for pricing teams.

Source: Bank Fee Index, published fee schedules, as of Nov 2, 2026. Total assets from FDIC and NCUA records.

How peers are chosen and counted

Every set except Home metro keeps the institution's own charter: banks against banks, credit unions against credit unions.
The set shown first is the first in the list with a peer median for each overdraft and monthly maintenance fee this institution publishes. If none has them all, it is the set with the most.
Closest in assets takes the institutions nearest its total assets among those that publish fees.
Home metro is the metro where it has the most branches. It counts the banks with a branch there (FDIC Summary of Deposits) and the credit unions with a branch in one of the metro's cities (NCUA). Banks only leaves the credit unions out.
State and Fed district count institutions headquartered there. Size uses its asset-size band.
Regulator uses the bank's primary federal regulator; for a credit union, its federal or state charter.
A set lists the institutions that publish at least one fee. This institution is not counted in its own set.
Each institution counts once per fee: the middle of its prices, or for overdraft its highest.
A peer median needs at least 8 peers that publish the fee. With fewer, the fee reads "too few to compare".
A fee an institution does not publish is shown as not published, never as zero.
About the same: within 1% of the median, in this section and everywhere on this page. Above or below means further than that.
A set with more than 50 peers shows the 50 closest in assets. Its medians and counts still use every peer in the set.

Published fee schedule

Amounts from Breakwater Federal Credit Union’s own schedules, with a source for each figure.

Account Maintenance

Inactive Account (after 12 months, monthly)$5
per month
Account Research (per hour)$50
Not compared: Charged per hour; comparison unavailable
per hour

Overdraft & NSF

Overdraft Tolerance (per item)$30
per item
Non-sufficient Funds (per item)$30
per item
Returned Item (per item)$5
per item

Wire Transfers

Outgoing Domestic Wire Transfer$20
Incoming Wire Transfer$5
Outgoing Foreign Wire Transfer$37.50

Check Services

Stop Payment Order (per item)$20
per item

Account Services

Garnishment/Levy$40

Fee	Amount	Basis	Note
Account Maintenance
Inactive Account (after 12 months, monthly)	$5	per month	None
Account Research (per hour)	$50Not compared: Charged per hour; comparison unavailable	per hour	None
Overdraft & NSF
Overdraft Tolerance (per item)	$30	per item	None
Non-sufficient Funds (per item)	$30	per item	None
Returned Item (per item)	$5	per item	None
Wire Transfers
Outgoing Domestic Wire Transfer	$20	Not stated	None
Incoming Wire Transfer	$5	Not stated	None
Outgoing Foreign Wire Transfer	$37.50	Not stated	None
Check Services
Stop Payment Order (per item)	$20	per item	None
Account Services
Garnishment/Levy	$40	Not stated	None

Correct a fee source

Nov 3, 2026 data snapshot. Each amount links to its fee schedule. The U.S. comparison is the middle 50% of Bank Fee Index published fees, shown where at least 5 institutions publish the fee.

Fee change alerts

Get an email when Breakwater Federal Credit Union's safe deposit box changes in our data

We check once a day and send one email covering every change.

Fees against the market

Comparison with U.S. medians for fees published by banks and credit unions.

Overdraft (OD)
Breakwater Federal Credit Union: $30
Breakwater Federal Credit Union: $30
U.S. median: no median
NSF / Returned Item
Compared at $17.50, the middle of its prices
Breakwater Federal Credit Union: $5 to $30
Breakwater Federal Credit Union: $5 to $30
U.S. median: no median
Wire Transfer (Domestic Out)
Breakwater Federal Credit Union: $20
Breakwater Federal Credit Union: $20
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Nov 3, 2026View sources

Compared at: The value this page compares: its one price, or the middle of its prices when it lists several (the highest, its standard fee, for overdraft).
Same rules: Its fees and every median use the same rules. Business-only fees are left out. So are CD, IRA, card inactivity, box drilling and key fees filed under a fee they don’t match, and fees charged by a different period than the median (a quarterly fee beside monthly ones).
Michigan: Banks and credit unions headquartered in Michigan that publish the fee.
Minneapolis district: Banks and credit unions headquartered in the Minneapolis Fed district that publish the fee.
U.S.: Banks and credit unions across the Bank Fee Index that publish the fee.
About the same: Within 1% of the median.
Account: Fees not tied to a named account apply across its personal accounts.

Among its peers

Breakwater Federal Credit Union · $138M in assets

The 25 credit unions closest in assets

Credit unions of similar size, for comparing published prices. Not local competitors: they're spread over 17 states.

Credit unions only
$135M to $142M in assets
Headquartered in 17 states

See the 25 institutions

The institutions in this peer set, with the fees each publishes
Institution	City, state	Assets	Maintenance	ATM	Domestic wire	Intl. wire	Overdraft
Breakwater Federal Credit Union(this institution)	Houghton, MI	$138M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
1St Ed Credit Union	Chambersburg, PA	$138M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Allied Federal Credit Union	Arlington, TX	$138M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Aurora Federal Credit Union	Aurora, CO	$140M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Overdraft not published
Baptist Health South Florida Federal Credit Union	Miami, FL	$140M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Campbell Federal Credit Union	Maple Shade, NJ	$139M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Overdraft not published
Central Missouri Community Federal Credit Union	Warrensburg, MO	$140M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Publishes Overdraft
Coastline Federal Credit Union	Jacksonville, FL	$136M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
County Excellence Federal Credit Union	Roselle Park, NJ	$138M	Monthly maintenance not published	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Overdraft not published
Delaware State Police Federal Credit Union	Georgetown, DE	$138M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
Dept Of Labor Federal Credit Union	Washington, DC	$138M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Family First Federal Credit Union	Hapeville, GA	$136M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
First Priority Federal Credit Union	Boston, MA	$139M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Healthcare Employees Federal Credit Union	Princeton, NJ	$137M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
Healthcare Systems Federal Credit Union	Falls Church, VA	$135M	Monthly maintenance not published	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Publishes Overdraft
Horizons North Federal Credit Union	Westminster, CO	$136M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Indiana State University Federal Credit Union	Terre Haute, IN	$140M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Liberty Savings Federal Credit Union	Jersey City, NJ	$135M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Mtcu Federal Credit Union	Midland, TX	$137M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
Pacific Cascade Federal Credit Union	Eugene, OR	$140M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Overdraft not published
Pacific Horizon Federal Credit Union	Springville, UT	$141M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
The One Federal Credit Union	Meadville, PA	$139M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
Wailuku Federal Credit Union	Kahului, HI	$135M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
Walled Lake Schools Federal Credit Union	Wolverine Lake, MI	$138M	Monthly maintenance not published	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Publishes Overdraft
West Virginia Federal Credit Union	South Charleston, WV	$142M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Workmen'S Circle Incorporated Federal Credit Union	Savannah, GA	$135M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	Publishes International wire	Publishes Overdraft

✓ publishes the fee. – not published.

25 peers selected · 13 publish this fee(monthly maintenance)

12 don't publish it: shown as not published, never as zero.

Fee type

Peer pricing snapshot

Breakwater Federal Credit Union does not publish a monthly maintenance fee in the index.

The peer median is $5 among 13 publishing peers.

This describes published pricing only. Account mix, waivers and actual fee revenue are not represented.

Source: Bank Fee Index, published fee schedules, as of Nov 2, 2026.

Monthly maintenance fee in dollars, one mark per institution

Breakwater Federal Credit Union does not publish a monthly maintenance fee, so it is not on this chart.

Breakwater Federal Credit…Peer (equal prices stack)Peer median

Hamilton is the Fee Insight workspace for pricing teams.

Source: Bank Fee Index, published fee schedules, as of Nov 2, 2026. Total assets from FDIC and NCUA records.

How peers are chosen and counted

Every set except Home metro keeps the institution's own charter: banks against banks, credit unions against credit unions.
The set shown first is the first in the list with a peer median for each overdraft and monthly maintenance fee this institution publishes. If none has them all, it is the set with the most.
Closest in assets takes the institutions nearest its total assets among those that publish fees.
Home metro is the metro where it has the most branches. It counts the banks with a branch there (FDIC Summary of Deposits) and the credit unions with a branch in one of the metro's cities (NCUA). Banks only leaves the credit unions out.
State and Fed district count institutions headquartered there. Size uses its asset-size band.
Regulator uses the bank's primary federal regulator; for a credit union, its federal or state charter.
A set lists the institutions that publish at least one fee. This institution is not counted in its own set.
Each institution counts once per fee: the middle of its prices, or for overdraft its highest.
A peer median needs at least 8 peers that publish the fee. With fewer, the fee reads "too few to compare".
A fee an institution does not publish is shown as not published, never as zero.
About the same: within 1% of the median, in this section and everywhere on this page. Above or below means further than that.
A set with more than 50 peers shows the 50 closest in assets. Its medians and counts still use every peer in the set.

Published fee schedule

Amounts from Breakwater Federal Credit Union’s own schedules, with a source for each figure.

Account Maintenance

Inactive Account (after 12 months, monthly)$5
per month
Account Research (per hour)$50
Not compared: Charged per hour; comparison unavailable
per hour

Overdraft & NSF

Overdraft Tolerance (per item)$30
per item
Non-sufficient Funds (per item)$30
per item
Returned Item (per item)$5
per item

Wire Transfers

Outgoing Domestic Wire Transfer$20
Incoming Wire Transfer$5
Outgoing Foreign Wire Transfer$37.50

Check Services

Stop Payment Order (per item)$20
per item

Account Services

Garnishment/Levy$40

Fee	Amount	Basis	Note
Account Maintenance
Inactive Account (after 12 months, monthly)	$5	per month	None
Account Research (per hour)	$50Not compared: Charged per hour; comparison unavailable	per hour	None
Overdraft & NSF
Overdraft Tolerance (per item)	$30	per item	None
Non-sufficient Funds (per item)	$30	per item	None
Returned Item (per item)	$5	per item	None
Wire Transfers
Outgoing Domestic Wire Transfer	$20	Not stated	None
Incoming Wire Transfer	$5	Not stated	None
Outgoing Foreign Wire Transfer	$37.50	Not stated	None
Check Services
Stop Payment Order (per item)	$20	per item	None
Account Services
Garnishment/Levy	$40	Not stated	None

Correct a fee source

Nov 3, 2026 data snapshot. Each amount links to its fee schedule. The U.S. comparison is the middle 50% of Bank Fee Index published fees, shown where at least 5 institutions publish the fee.