Clearwater Credit Union (MT)


Overview / Commentary
406-523-3300
3600 Brooks St
Missoula, MT 59801

Clearwater Credit Union (MT) is headquartered in Missoula and is the 2nd largest credit union in the state of Montana. It is also the 504th largest credit union in the nation. It was established in 1956 and as of June of 2020, it had grown to 154 employees and 51,616 members at 6 locations. Clearwater Credit Union (MT) has an A+ health rating.

Field of Membership Restrictions

Clearwater Credit Union is open to anyone who lives, works, worships, or attends school in the Montana counties of Beaverhead, Deer Lodge, Granite, Lake, Missoula, Ravalli, or Silver Bow.
See current membership details

Reviews (2)

Helped me dig myself out of a hole.

I was having a hard time deciding how to best take care of my money. I talked to a lady at Missoula Federal Credit Union and she convinced me to open up a checking account with them. They charge 7 bucks for the service and didn't require a hard credit pull. I had tried several local banks and national banks and none of them would accept me. I was paying outrageous fees with my previous bank and it wasn't convenient at all. I can't even tally up the amount of money I'm saving now that I'm with better bank.

Ethically Corrupted

They illegally garnished my student loan disbursement, which is a federally protected source which cannot be garnished. When confronted the resolution specialist told me to prove it, and that they in no way accepted responsibility of their error. Absolute slime-ball bank.



Health
A+

Health Grade Components

Overall
NCUA #11300
Year Chartered1956
Employees154
Primary Regulator
Profit Margin
Return on Assets - YTD0.91%
Return on Equity - YTD7.82%
Annual Interest Income$10.3MM
Assets and Liabilities
AssetsQ2 2020vs Q2 2019$681.6MM$547.3MM
LoansQ2 2020vs Q2 2019$351.6MM$285.2MM
DepositsQ2 2020vs Q2 2019$596.9MM$474.1MM
Equity CapitalQ2 2020vs Q2 2019$74.3MM$61.9MM
Loan Loss AllowanceQ2 2020vs Q2 2019$5.9MM$4.7MM
Unbacked Noncurrent LoansQ2 2020vs Q2 2019$181.00K$641.00K
Real Estate OwnedQ2 2020vs Q2 2019$123.00K$346.00K
Rates
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Always verify rates and promotions with the bank or credit union. We are not Clearwater Credit Union (MT); we are a rate comparison website and cannot provide official rates or promotions.

* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Clearwater Credit Union (MT) Savings Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.15%*$5$2.5kV.I.P. Share Savings
OTHER TIERS: 0.05% $2.5k+
0.10%$5-IRA Share Savings
0.05%$1k-Health Savings Account (HSA)
0.05%$5-Basic Share Savings
0.05%$5-Savvy Saver Program
0.05%$5-Financial Freedom Program
0.05%$5-MyMoney Program

Clearwater Credit Union (MT) Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.15%*$2.5k*-Regular Money Market
OTHER TIERS: 0.05% $1.5k - $2.5k

Clearwater Credit Union (MT) Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.15%*$2.5k*-Premium Checking
OTHER TIERS: 0.05% $1.5k - $2.5k
0.05%--Traditional Checking
0.05%--Classic Checking
0.05%--Basic Checking
0.02%--Business Checking (S20)

Clearwater Credit Union (MT) CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
5.00%$1k-SmartSaver CD
0.30%$500-60 Month CD
0.30%$500-11 Month CD Special
0.15%$500-24 Month CD
0.10%$500-6 Month CD
0.10%$500-12 Month CD

Clearwater Credit Union (MT) IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.30%$1k-60 Month IRA
0.25%$1k-36 Month IRA
0.15%$1k-24 Month IRA
0.10%$1k-12 Month IRA
Locations


Clearwater Credit Union (MT) Locations
Branch Office126 W Spruce StMissoula, MT 59802
Branch Office107 Main StStevensville, MT 59870
Branch Office3600 Brooks StMissoula, MT 59801
Branch OfficeFirst Level University CtrMissoula, MT 59812-0001
Branch Office2610 N Reserve StMissoula, MT 59808
Branch Office1775 S Russell StMissoula, MT 59801

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