Clearwater Credit Union Bozeman MT | Affordable Vehicle Loans & Business Banking

Introduction

Welcome to Clearwater, your trusted partner in financial well-being right here at 5 W Mendenhall St, Bozeman, MT 59715. Established in 1956, we have proudly served our community for over six decades, building a strong foundation of trust and reliability with our members. With a robust membership base of 62,859 individuals, we're dedicated to meeting the unique financial needs of each person who walks through our doors. At Clearwater, we understand that your financial goals are important. That's why we manage total assets of $1,093,213,713, ensuring that we have the resources to support you with a variety of services from personal banking and auto loans to mortgage financing and business loans. Our commitment to excellence is reflected in our total deposits of $45,786,495 and a net worth of $131,566,756. While members can visit us at our Bozeman branch, official correspondence should be sent to our mailing address: 3600 Brooks St, Missoula, MT 59801. This ensures that your inquiries are directed to the right place without delay. Under the leadership of CEO Jack Lawson and Board President Anthony Boote, our team of 192 employees is here to provide personalized assistance every step of the way. Whether you're looking for a new credit card with rewards or seeking advice on debt consolidation, our friendly staff is ready to help. We invite you to discover how Clearwater can enhance your financial journey. Feel free to reach out by calling us at 406-523-3300 or visit our website at Clearwater Credit Union for more information. Your financial future starts here!

Branch History & Mission

Join Us Today

We invite you to become part of the Clearwater family! Experience firsthand how we can help you achieve your financial goals while contributing positively to our community. Whether you're looking for personal banking or business solutions, Clearwater is here for you every step of the way. Reach out today at 406-523-3300 or explore more about what we offer online at Clearwater Credit Union. Join us on this journey toward financial empowerment!

Our Evolution

Over the years, Clearwater has evolved to meet the changing needs of our community. We started as a small credit union focused on providing essential banking services and have expanded to offer a full suite of personal and business banking options. Our commitment to member satisfaction has been key to our growth. We are proud to offer services such as checking and savings accounts, auto loans, mortgage financing, personal loans, and business banking solutions. As we look back at our history, we celebrate significant milestones that have shaped us into who we are today. Our headquarters in Missoula continues to guide our mission while we operate multiple branches across Montana. The dedication of our staff is evident in everything we do. With 192 employees ready to assist you during our operating hours from Monday to Friday, 9:00 AM to 5:00 PM, we ensure that your banking experience is both friendly and efficient.

Our Mission

At Clearwater, our mission goes beyond just providing financial services; it's about making a positive impact in the communities we serve. We believe in empowering individuals and families by offering products designed with their best interests in mind. We are committed to fostering financial literacy and supporting local initiatives that enrich lives in Bozeman and beyond. We also take pride in being accessible. With an ATM available and drive-thru banking services offered at our branch, convenience is always a priority for us. Additionally, for those who prefer digital interactions, we provide online and mobile banking options that make managing finances easier than ever before. While members can visit us at 5 W Mendenhall St Bozeman MT 59715 for all their banking needs, official correspondence should be sent to our mailing address at 3600 Brooks St, Missoula MT 59801.

Branch Location & Accessibility

Get in Touch!

Have questions or want to learn more about what we offer? Call us at 406-523-3300 we'd love to hear from you! We invite you to stop by Clearwater's Bozeman Downtown branch today and experience personalized service that puts you first!

Nearby Landmarks and Accessibility

Located near vibrant downtown Bozeman, our branch is easy to find and close to popular spots such as the historic courthouse and local dining options. We understand that accessibility is important for all our members. Our branch features ADA-compliant entrances and ramps, ensuring everyone can easily access our services. Plus, we offer ample parking for those visiting us by car.

Operating Hours and Services

Our friendly team is here to assist you Monday through Friday from 9:00 AM to 5:00 PM. With our drive-thru service available, banking has never been easier! Need quick cash? We have an ATM on-site for your convenience. For those who are part of our shared service center network, feel free to complete basic transactions like deposits and withdrawals seamlessly. While members can visit us at 5 W Mendenhall St, official correspondence should be sent to our mailing address at 3600 Brooks St, Missoula, MT 59801.

Member Eligibility

Joining the Clearwater community means stepping into a world of support and opportunity. At Clearwater, we believe that everyone deserves access to financial services that help them thrive. To become a member, you simply need to meet our friendly eligibility criteria, which are designed to welcome you into our family. Generally, residents of Montana and those who work or worship in the area are eligible. We encourage you to check out the detailed information on eligibility for any specifics or updates. Once you're ready to take the next step, opening an account is a breeze! You can find all the necessary details for setting up your account by visiting http://clearwatercreditunion.org/home-loans/home-buying-center/get-started/. If you have any questions or need assistance along the way, don't hesitate to give us a call at (406) 523-3300. We're here for you every step of the journey!

Business Banking & Commercial Services

Practical Merchant Services

Imagine having tools that simplify your payment processing while enhancing customer satisfaction. Our merchant services allow you to accept various payment methods easily, making transactions smoother for both you and your customers. This means fewer barriers at checkout and more satisfied clients who keep coming back. Located at 5 W Mendenhall St, Bozeman, MT 59715, Clearwater is here to help you navigate your financial needs and support your journey toward success. Connect with us today at 406-523-3300 to learn more about how we can assist your business!

Unlocking Growth with Commercial Loans

Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs: - We've funded over $304 in commercial loans for our members, helping businesses scale and succeed. - We also support the broader business community with $4 in non-member commercial loans, providing flexible financing solutions. - With an outstanding commercial loan portfolio of $134,634,645, we continue to drive economic growth by financing new and expanding businesses.

Comprehensive List Of Services

ATM & Drive-Thru Services

Need cash on the go? Our ATM services ensure easy access to your funds whenever you need them. Plus, with our drive-thru banking options available for deposits, withdrawals, and simple transactions, we make it easy for you to bank without leaving your car.

Business Banking Services

For our entrepreneurial members, Clearwater offers business banking services including merchant services and business loans. We know how important it is to have reliable financial support when running a business, which is why we strive to provide solutions that empower local entrepreneurs.

Convenient Online & Mobile Banking

In today's fast-paced world, convenience matters. That's why Clearwater provides robust online and mobile banking features that let you manage your finances from anywhere. You can check balances, transfer funds, pay bills, and even send money to friends easily through person-to-person payments right from your phone!

Credit Cards & Rewards

Our credit cards come with rewards programs that allow you to earn points on your purchases, making every dollar spent work harder for you. Whether you're using it for everyday expenses or special occasions, you can enjoy the benefits while building your credit.

Personal Banking Solutions

We understand that managing personal finances can be overwhelming at times. That's why we offer checking and savings accounts designed to fit various lifestyles and preferences. Whether you need a simple account for daily transactions or a high-yield savings option to grow your money, Clearwater has you covered. For those looking to purchase a vehicle, our auto loans and vehicle financing options make it easier than ever. Imagine driving off in your dream car with flexible terms and competitive rates that suit your budget. If you're considering buying a home, our mortgage loans and refinancing solutions are crafted to help you navigate the housing market with confidence. We also provide personal loans and debt consolidation options to assist you in managing unexpected expenses or consolidating existing debts into a single, more manageable payment.

Shared Branch Transactions

As part of our commitment to community banking, we also offer basic shared branch transactions for partner credit union members. This means you can conduct deposits and withdrawals even if you're not near one of our branches. At Clearwater in Bozeman, MT, we're here to serve all your financial needs. If you'd like more information about any of our services or want assistance in choosing what's right for you, don't hesitate to reach out at 406-523-3300 or visit us online at clearwatercreditunion.org. Let us help you take the next step toward achieving your financial goals!

Digital & Online Banking

In today's fast-paced world, managing your finances should be easy and secure. At Clearwater, we understand the importance of convenience, which is why we offer a robust suite of digital and online banking services designed to fit your lifestyle. With our online banking services available 24/7 at http://clearwatercreditunion.org/, you can access your accounts anytime and from anywhere. Whether you're checking your balance, transferring funds, or paying bills, everything is just a few clicks away. Plus, with features like electronic signature authorization, signing documents has never been easier or more secure. We also provide e-statements for our members, making it simple to keep track of your finances while reducing paper clutter. You can view your statements online whenever you need them, ensuring you have quick access to important information. For those who prefer using their smartphones, our mobile application offers a variety of features that make banking on the go a breeze. You can enjoy mobile payments to easily make purchases directly from your phone. Need to send money to a friend? Our person-to-person transfer feature lets you do just that in seconds! At Clearwater, we prioritize your security and strive to make your banking experience as user-friendly as possible. With real-time account management tools and a commitment to protecting your personal information, you can bank with peace of mind. Whether you're managing everyday transactions or planning for the future, our digital banking services are here to help simplify your financial life. Explore all the possibilities today by visiting us at http://clearwatercreditunion.org/!

Financial Strength

At Clearwater, financial security is not just a goal it's a promise. Our members count on us for stability, and we take that responsibility seriously. We are committed to providing a solid foundation for your financial future, ensuring you can trust us with your savings and loans. With a net worth of $131,566,756, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of 1203 demonstrates a solid capital foundation, ensuring that we can continue providing loans, competitive savings rates, and uninterrupted services even in uncertain economic times. Members' savings are secured through $149,937,465 in share certificates and $104,046,370 in money market shares, offering stable and rewarding financial growth opportunities. Unlike traditional banks, we prioritize our members. With non-member deposits at $2,266,836, we ensure that our resources are focused on benefiting you through better loan rates, lower fees, and exclusive perks. With $113,766,756 in undivided earnings, we reinvest in innovative banking tools, stronger lending options, and enhanced security measures to serve our members better. Our lending capacity supports members' financial goals with $8,216 in used auto loans and a total of $783,741,231 in loans and leases available for various needs. Our operational efficiency is reflected in our net income of $0, which enables us to continue offering competitive loan rates and solid financial products for our members. We also take pride in having 187 full-time employees and 5 part-time employees, ensuring our branches are always ready to serve you with a knowledgeable and committed team. Net Shares (Funds available for lending and investments): $2,575,473. Total Share Accounts: 136,218, showing a strong and growing member base that trusts us with their finances. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, Clearwater is your trusted partner. Visit us at 5 W Mendenhall St Bozeman MT 59715 or call 406-523-3300 to learn more about how we can help you achieve your financial goals. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov based on the latest results.

Loan Offering

Auto Loans

Looking to buy a new car? Our auto loans offer some of the lowest rates in the industry, with over $107,020,130 in used vehicle loans and $39,112,611 in new vehicle loans already helping members get on the road. Whether you're interested in financing a brand-new vehicle or finding the perfect used option, we provide flexible terms tailored to your budget.

Business Financing

For business owners, our outstanding commercial loans totaling $134,634,645 provide the capital needed to grow and expand your business. We understand the unique challenges entrepreneurs face and are here to help you succeed with tailored lending solutions. Our commitment extends beyond just providing loans; we also offer refinancing options for those looking to improve their financial situation or make adjustments as their needs change. If you have questions about eligibility or want to explore your options further, don't hesitate to reach out. You can contact us at 406-523-3300 during our operating hours from Monday to Friday between 9:00 AM and 5:00 PM. For more information about our services and offerings or to start an application today, visit us online at clearwatercreditunion.org. All performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. Let Clearwater be your partner in achieving your financial aspirations!

Mortgage Loans

Thinking about homeownership? Our mortgage options include Junior Lien 1-4 Family Residential Properties loans totaling $65,738,147, making buying or refinancing simple. We offer competitive rates and personalized service to ensure your journey to homeownership is smooth and straightforward.

Unsecured Credit Cards

We also offer flexible terms on unsecured credit card loans, with a total of $23,801,187 in loans helping members manage their finances effectively. These cards come with various benefits and rewards designed to support your everyday spending while offering peace of mind.

Loan Aggregator

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Ensuring Accurate Loan Comparisons

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CLEARWATER FEDERAL CREDIT UNION - Bozeman, MT

Type of Loan Offerings

Personal Loans

Student Loans

Vehicle Loans

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