Credit union · NCUA insured
Breakwater Federal Credit Union Credit Card Rates
Top CarrotBreakwater Federal Credit Union credit cards start at 8.90% APR on purchases, after any introductory rate. Rates checked October 16, 2026.
How Breakwater Federal Credit Union’s credit card rates compare
Compared with banks and credit unions near Houghton, MI, where Breakwater Federal Credit Union has the most branches. Ongoing purchase APR, lowest first.
This credit union’s lowest
Breakwater Federal Credit Union
8.90%APR
VISA Cash Back Credit Card
2nd-lowest rate
Peninsula Federal Credit Union
9.95%APR
Breakwater Federal Credit Union credit card score
89
Credit card score
Higher than 87% of U.S. banks and credit unions
- Purchase APRPurchase APR8.90%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Breakwater Federal Credit Union ranks
By credit card score, in each area where it has branches
Every rate
Current credit card rates
Rates from the credit union’s website. Most are “as low as” rates for the best credit; yours depends on your credit.
VISA Cash Back Credit Card
Earn 1.00% cash back on all purchases deposited in savings account annually around October 1st. No annual fee. No balance transfer fee. Subject to credit approval; rate will vary depending on credit score.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 8.90% | None | All rates are 'as low as' indicating the lowest possible rate. Subject to credit approval and other conditions; rate and term will vary depending on credit score. APR may change after consummation. |
Sources (2)
All captured Oct 5, 2026
Who can join Breakwater Federal Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Membership is open to anyone who lives, works, worships, attends school, or regularly conducts business in Houghton, Keweenaw, or Baraga County.
Cost to join
- $25 share deposit required for business accounts.
- $25 share deposit required for organization accounts.
- $25 share deposit required for Regular/Prestige personal accounts.
- $5 share deposit required for Youth Saver/Teen Saver personal accounts.
Membership information collected October 5, 2026.