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Clearwater Credit Union (MT)


TODAY'S FEATURED RATES
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/12/2025
4.00%
Our Rating
4.2  / 5
CIT Bank
Platinum Savings
See Offer
Sponsored Note: Earn more with a min. balance of $5K. Savings starts at $100. FDIC Insured.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/12/2025
3.80%
Our Rating
4.2  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: +0.20% boost to 4.00% for up to 6 months on new accounts with eligible direct deposit. Terms apply.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/12/2025
3.60%
Our Rating
4.3  / 5
American Express
American Express® High Yield Savings Account
See Offer
Sponsored Note: Interest compounds daily, deposited monthly
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/12/2025
3.50%
Our Rating
4.4  / 5
Capital One
360 Performance Savings
See Offer
Sponsored Note: It only takes about 5 minutes to open a fee-free account. Member FDIC.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/12/2025
4.44%
Our Rating
4.3  / 5
Peak Bank
Envision High Yield Savings
See Offer
Sponsored Note: Member FDIC: Insured up to $250,000. $100 Deposit Earns Interest Immediately.
Member FDIC
Bonus Amount
up to $300
Our Rating
4.2  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!
Overview / Commentary
clearwatercreditunion.org
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 413th largest credit union in the nation. It was established in 1956 and as of March of 2025, it had grown to 193 employees and 64,131 members at 11 locations. Clearwater Credit Union (MT)'s money market rates are 5X the national average, and it has an A health rating.

Field of Membership Restrictions

Clearwater Credit Union is open to those who live, work, worship, or attend school in the Montana counties of Beaverhead, Broadwater, Cascade, Deer Lodge, Flathead, Gallatin, Granite, Jefferson, Lake, Lewis and Clark, Lincoln, Madison, Meagher, Mineral, Missoula, Park, Powell, Ravalli, Sanders, or Silver Bow. Immediate family and household members of anyone eligible to join also qualify for membership.
See current membership details

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Health
A

Data as of Q1 2025

Learn why bank health matters

Health Grade Components

Overall
NCUA #11300
Year Chartered1956
Employees193
Primary Regulator
Profit Margin
Return on Assets - YTD0.9%
Return on Equity - YTD9.53%
Annual Interest Income$13.6MM
Assets and Liabilities
AssetsQ1 2025vs Q1 2024$1.13B$1.06B
LoansQ1 2025vs Q1 2024$801.7MM$729MM
DepositsQ1 2025vs Q1 2024$886.6MM$811.8MM
Equity CapitalQ1 2025vs Q1 2024$104.9MM$91.2MM
Loan Loss AllowanceQ1 2025vs Q1 2024$11.4MM$9.3MM
Unbacked Noncurrent LoansQ1 2025vs Q1 2024$1MM$797K
Real Estate OwnedQ1 2025vs Q1 2024$0$0
TODAY'S FEATURED RATES
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/12/2025
4.00%
Our Rating
4.2  / 5
CIT Bank
Platinum Savings
See Offer
Sponsored Note: Earn more with a min. balance of $5K. Savings starts at $100. FDIC Insured.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/12/2025
3.80%
Our Rating
4.2  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: +0.20% boost to 4.00% for up to 6 months on new accounts with eligible direct deposit. Terms apply.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/12/2025
3.60%
Our Rating
4.3  / 5
American Express
American Express® High Yield Savings Account
See Offer
Sponsored Note: Interest compounds daily, deposited monthly
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/12/2025
3.50%
Our Rating
4.4  / 5
Capital One
360 Performance Savings
See Offer
Sponsored Note: It only takes about 5 minutes to open a fee-free account. Member FDIC.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/12/2025
4.44%
Our Rating
4.3  / 5
Peak Bank
Envision High Yield Savings
See Offer
Sponsored Note: Member FDIC: Insured up to $250,000. $100 Deposit Earns Interest Immediately.
Member FDIC
Bonus Amount
up to $300
Our Rating
4.2  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!
Rates
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* 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
0.50%*$5$2.5kV.I.P. Share Savings
OTHER TIERS: 0.05% → $2.5k+
0.05%$1k-Health Savings Account (HSA)
0.05%$5-Primary Share Savings
0.05%$0-Coverdell Education Savings
0.05%$0-Montana Medical Savings (MSA)
0.05%$5-Youth Savings
0.05%$5-Secondary Share Savings

Clearwater Credit Union (MT) Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
2.00%*$100k*-Regular Money Market
OTHER TIERS: 1.50% → $0 - $50k | 1.75% → $50k - $100k

Clearwater Credit Union (MT) Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.50%*$100k*-Premium Checking
OTHER TIERS: 1.00% → $0 - $50k | 1.25% → $50k - $100k

Clearwater Credit Union (MT) CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
5.00%$100$1kSmart Saver Add-on CD
4.00%$100-6 Month CD
4.00%$100-6 Month Youth CD
3.75%$100-12 Month CD
3.75%$100-12 Month Youth CD
3.20%$100-24 Month CD
3.20%$100-24 Month Youth CD
3.20%$100-24 months Clean Energy CD
3.00%$100-60 Month CD
3.00%$100-36 Month CD
3.00%$100-48 Month CD
3.00%$100-36 Month Youth CD
3.00%$100-48 Month Youth CD
3.00%$100-60 Month Youth CD

Clearwater Credit Union (MT) IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
4.00%$100-6 Month IRA
3.75%$100-12 Month IRA
3.20%$100-24 Month IRA
3.00%$100-36 Month IRA
3.00%$100-60 Month IRA
3.00%$100-48 Month IRA
0.05%$100-IRA Share Savings
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