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 477th largest credit union in the nation. It was established in 1956 and as of March of 2021, it had grown to 160 employees and 52,835 members at 8 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
Employees160
Primary Regulator
Profit Margin
Return on Assets - YTD3.33%
Return on Equity - YTD34.38%
Annual Interest Income$5.5MM
Assets and Liabilities
AssetsQ1 2021vs Q1 2020$810.5MM$597.7MM
LoansQ1 2021vs Q1 2020$453.3MM$325.1MM
DepositsQ1 2021vs Q1 2020$724.5MM$517.6MM
Equity CapitalQ1 2021vs Q1 2020$75.7MM$70.0MM
Loan Loss AllowanceQ1 2021vs Q1 2020$7.1MM$5.0MM
Unbacked Noncurrent LoansQ1 2021vs Q1 2020$201.00K$558.00K
Real Estate OwnedQ1 2021vs Q1 2020$0$161.00K
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+
0.05%$1k-Health Savings Account (HSA)
0.05%$5-Basic Share Savings
0.05%$5-IRA Share Savings

Clearwater Credit Union (MT) Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.05%$1.5k-Regular Money Market

Clearwater Credit Union (MT) Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.05%$1.5k-Premium Checking

Clearwater Credit Union (MT) CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
5.00%$1k-SmartSaver CD
0.10%$500-6 Month CD
0.10%$500-12 Month CD
0.10%$500-24 Month CD
0.10%$500-60 Month CD
0.10%$500-11 Month CD Special
0.10%$500-36 Month CD
0.10%$500-48 Month CD

Clearwater Credit Union (MT) IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.10%$1k-12 Month IRA
0.10%$1k-24 Month IRA
0.10%$1k-36 Month IRA
0.10%$1k-60 Month IRA
0.10%$1k-11 Month IRA Special
0.10%$1k-6 Month IRA
0.10%$1k-48 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
Branch Office34 E Granite StButte, MT 59701-9326
Branch Office2237 34th stMissoula, MT 59801

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