Breakwater

houghton, Michigan
Last verified: July 10, 2026

As of July 10, 2026, Breakwater offers a 30-year-fixed mortgage at 6.944% APR (6.75% rate, 0 points). Auto loans available from 4.58% APR. HELOC rates from 6.2% APR. Personal loan rates from 10.34% APR.

Source: RateAPI.dev, verified from Breakwater's official website

Mortgage Rates

Rates as of July 10, 2026

30-year-fixed
6.944% APR
Rate6.750%
Points0
Home Loan (Fixed Rate) 30-year
15-year-fixed
6.436% APR
Rate6.125%
Points0
Home Loan (Fixed Rate) 15-year
share_certificate_36mo
2.000% APR
Rate1.990%
Points0
Share Certificates 36 Month
share_certificate_48mo
2.000% APR
Rate1.990%
Points0
Share Certificates 48 Month
share_certificate_60mo
2.000% APR
Rate1.990%
Points0
Share Certificates 60 Month
share_certificate_24mo
3.000% APR
Rate2.970%
Points0
Share Certificates 24 Month
share_certificate_12mo
3.500% APR
Rate3.450%
Points0
Share Certificates 12 Month
share_certificate_6mo
3.500% APR
Rate3.450%
Points0
Share Certificates 6 Month
share_certificate_7mo
3.500% APR
Rate3.450%
Points0
Share Certificates 7 Month
savings
5.000% APR
Rate5.000%
Points0
HSAs
savings
5.000% APR
Rate5.000%
Points0
Savings
savings
5.000% APR
Rate5.000%
Points0
Share Draft
10-year-fixed
6.438% APR
Rate6.000%
Points0
Home Loan (Fixed Rate) 10-year
20-year-fixed
6.753% APR
Rate6.500%
Points0
Home Loan (Fixed Rate) 20-year

Auto Loan Rates

Rates as of July 10, 2026

auto_new_36mo
4.580% APR
Rate4.250%
New Auto (2025-2026) 36 Month
auto_new_60mo
4.710% APR
Rate4.500%
New Auto (2025-2026) 60 Month
auto_new_24mo
4.740% APR
Rate4.250%
New Auto (2025-2026) 24 Month
auto_new_48mo
4.760% APR
Rate4.500%
New Auto (2025-2026) 48 Month
auto_new_72mo
4.920% APR
Rate4.750%
New Auto (2025-2026) 72 Month
auto_used_24mo
4.990% APR
Rate4.500%
Used Auto (2018-2024) 24 Month
auto_used_48mo
5.000% APR
Rate4.750%
Used Auto (2018-2024) 48 Month
auto_used_36mo
5.080% APR
Rate4.750%
Used Auto (2018-2024) 36 Month
auto_used_60mo
5.210% APR
Rate5.000%
Used Auto (2018-2024) 60 Month
auto_used_72mo
5.430% APR
Rate5.250%
Used Auto (2018-2024) 72 Month
auto_new_84mo
5.650% APR
Rate5.500%
New Auto (2025-2026) 84 Month
auto_used_84mo
5.900% APR
Rate5.750%
Used Auto (2018-2024) 84 Month
auto_used_36mo
6.340% APR
Rate6.000%
Used Auto (2017 and Older) 36 Month
auto_used_60mo
6.460% APR
Rate6.250%
Used Auto (2017 and Older) 60 Month
auto_used_24mo
6.490% APR
Rate6.000%
Used Auto (2017 and Older) 24 Month
auto_new_24mo
6.490% APR
Rate6.000%
New Personal Recreational (2025-2026) 24 Month
auto_new_48mo
6.500% APR
Rate6.250%
New Personal Recreational (2025-2026) 48 Month
auto_used_48mo
6.510% APR
Rate6.250%
Used Auto (2017 and Older) 48 Month
auto_new_36mo
6.580% APR
Rate6.250%
New Personal Recreational (2025-2026) 36 Month
auto_new_60mo
6.960% APR
Rate6.750%
New Personal Recreational (2025-2026) 60 Month
auto_new_72mo
7.180% APR
Rate7.000%
New Personal Recreational (2025-2026) 72 Month
auto_used_24mo
7.240% APR
Rate6.750%
Used Personal Recreational (2024 and older) 24 Month
auto_used_48mo
7.260% APR
Rate7.000%
Used Personal Recreational (2024 and older) 48 Month
auto_used_36mo
7.340% APR
Rate7.000%
Used Personal Recreational (2024 and older) 36 Month
auto_used_60mo
7.710% APR
Rate7.500%
Used Personal Recreational (2024 and older) 60 Month
auto_used_72mo
8.180% APR
Rate8.000%
Used Personal Recreational (2024 and older) 72 Month
credit_card_cash_back
8.900% APR
Rate8.900%
Visa Cashback Credit Card

HELOC Rates

Rates as of July 10, 2026

heloc_fixed
6.200% APR
Rate5.750%
Home Equity Loan (In-House Fixed Rate) 7-year
heloc_fixed
6.330% APR
Rate6.000%
Home Equity Loan (In-House Fixed Rate) 10-year
heloc_fixed
6.370% APR
Rate5.750%
Home Equity Loan (In-House Fixed Rate) 5-year
heloc_fixed
6.730% APR
Rate6.500%
Home Equity Loan (In-House Fixed Rate) 15-year
heloc_variable
7.690% APR
Rate7.250%
Home Equity Line of Credit

Personal Loan Rates

Rates as of July 10, 2026

personal_unsecured
10.340% APR
Rate10.000%
Personal Loan

Frequently Asked Questions

What rates does Breakwater offer?

Breakwater currently offers mortgage, auto loan, HELOC, and personal loan rates. The rates shown on this page were last verified July 10, 2026 directly from the credit union's official website.

How often are Breakwater rates updated?

RateAPI verifies Breakwater's rates daily by scraping its official website, then normalizing the data. The figures on this page were last verified July 10, 2026.

Where does RateAPI get Breakwater's rate data?

Rate data is collected directly from Breakwater's official website. RateAPI has no pay-to-rank incentives; see the methodology page for how rates are collected and normalized.

What is Breakwater's mortgage rate?

As of July 10, 2026, Breakwater offers a 30-year-fixed mortgage at 6.944% APR.

What is Breakwater's auto loan rate?

As of July 10, 2026, Breakwater offers auto loans from 4.58% APR.

Related Rate Data

Compare Breakwater's rates against national credit-union benchmarks.

More Michigan credit unionsMortgage rate benchmarkAuto loan rate benchmarkHELOC ratesPersonal loan ratesHow we verify rates

Source Information

Rate data is scraped directly from the credit union's official website and verified daily by our automated systems.

View Original Source

Methodology

Learn how we collect, normalize, and verify rate data with full transparency and no pay-to-rank incentives.

View Methodology

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terminal
# Get rates for Breakwater
curl "https://api.rateapi.dev/credit-unions/michigan/breakwater" \
  -H "Authorization: Bearer YOUR_API_KEY"
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