Clearwater Credit Union Missoula MT | Low Mortgage Rates & Auto Loans

Introduction

Welcome to Clearwater, your trusted partner in financial well-being! Located at 1775 S Russell St, Missoula, MT 59801, our branch has proudly served the community since 1956. With a commitment to providing exceptional service and support, we have grown to include 62,859 members and manage total assets of over $1,093,213,713. At Clearwater, we understand that banking is more than just transactions; it's about building relationships. Our dedicated team of 192 employees, led by CEO Jack Lawson and Board President Anthony Boote, is here to help you navigate your financial journey with confidence. Whether you're looking for personal loans, mortgage options, or business banking services, we've got you covered. While members can visit us at our convenient location in Missoula, official correspondence should be sent to our mailing address at 3600 Brooks St, Missoula, MT 59801. We are proud to offer a variety of services tailored to meet your needs, including checking and savings accounts, auto loans, and credit cards with rewards. With a net worth of $131,566,756 and total deposits amounting to $45,786,495, Clearwater is well-equipped to support your financial goals. Our commitment to transparency and member satisfaction is reflected in our impressive cash reserves of $13,233,713. Join us today and discover how Clearwater can empower you financially. Don't hesitate to reach out by calling us at 406-523-3300 or visiting our website at http://www.clearwatercreditunion.org . Your future starts here!

Branch History & Mission

At Clearwater, our journey began in 1956 with a simple yet powerful vision: to empower our community in Missoula, MT, through accessible financial services. Over the years, we have grown from a small local credit union into a trusted institution that proudly serves over 62,000 members. Our branch is located at 1775 S Russell St, right in the heart of Missoula, making it easy for you to drop by and connect with us. Our mission is clear. We are committed to providing exceptional financial services while fostering a sense of community and support. We believe that everyone deserves access to financial tools that can help them achieve their dreams whether it's buying a home, securing an auto loan, or planning for retirement. As we continue to grow, we remain focused on building lasting relationships with our members and investing in the communities we serve. Since our establishment, Clearwater has achieved significant milestones. Today, we proudly manage assets totaling over $1 billion. This growth reflects not only our commitment to sound financial practices but also the trust placed in us by our members. Our operating hours are designed for your convenience our lobby is open Monday through Thursday from 9:00 AM to 4:30 PM and Friday until 5:00 PM. If you prefer drive-thru banking, we're here for you Monday through Friday from 7:30 AM to 6:00 PM and Saturday from 9:00 AM to 1:00 PM. In addition to traditional banking services such as checking and savings accounts, auto loans, mortgages, and personal loans, Clearwater embraces modern technology. We offer online banking and mobile payment options so you can manage your finances anytime, anywhere. Our commitment to accessibility includes ADA compliance and shared service center availability for those who need additional support. Our community outreach initiatives are at the heart of what we do. We partner with local organizations to provide resources and programs that uplift our neighbors. Whether it's sponsoring educational workshops or supporting local charities, Clearwater strives to make a positive impact in Missoula. If you're not yet a member of Clearwater Credit Union, we invite you to join us! Experience firsthand how our dedicated team can help you reach your financial goals while being part of a caring community. For more information about opening an account or learning about our services, visit us online at clearwatercreditunion.org or call us at 406-523-3300. Together, let's build a brighter financial future!

Branch Location & Accessibility

Get in Touch

Have questions or need assistance? Don't hesitate to give us a call at 406-523-3300. Our team is ready and eager to help you with whatever you need. We look forward to welcoming you soon!

Nearby Landmarks and Accessibility

You'll find our branch nestled close to local landmarks, making it a familiar stop for many residents. We're near the bustling Southgate Mall and just a short drive from the scenic Clark Fork River. With ample parking available right outside our door, accessing our facilities is hassle-free. Plus, we prioritize accessibility; our building is ADA compliant and features ramps for those who need them.

Operating Hours

Our doors are open to serve you during convenient hours: from Monday to Thursday, our lobby welcomes you from 9:00 AM to 4:30 PM, while on Fridays we extend our hours until 5:00 PM. If you're looking for drive-thru banking, we're here for you Monday through Friday from 7:30 AM to 6:00 PM and Saturday from 9:00 AM to 1:00 PM.

Services Offered

At Clearwater, we offer a range of services tailored to meet your financial needs. From checking and savings accounts to auto loans and mortgages, we have something for everyone. Need a quick cash withdrawal? Our ATM is available for your convenience. Additionally, we provide basic drive-thru banking for deposits and simple transactions as well as shared services for partner credit union members. While you can visit us at our branch location for all your banking needs, please note that any official correspondence should be sent to our mailing address at 3600 Brooks St, Missoula, MT 59801.

Member Eligibility

Becoming a member of Clearwater means joining a welcoming community that prioritizes your financial well-being. To be eligible, you simply need to live, work, worship, or attend school in the areas we serve, which helps us foster connections within our neighborhoods. If you meet these criteria, you're already on your way to enjoying the benefits of membership! At Clearwater, we offer a range of services designed to support your financial goals, from personalized banking options to competitive loan rates. Getting started is easy! You can open an account by visiting us at 1775 S Russell St Missoula Mt 59801 or by checking out the details online at http://clearwatercreditunion.org/home-loans/home-buying-center/get-started/ . If you have any questions or need more information about eligibility requirements, feel free to give us a call at (406) 523-3300. We're here to help you every step of the way and ensure your transition into our credit union feels smooth and inviting. For more detailed eligibility criteria, please visit .

Business Banking & Commercial Services

Merchant Services That Make a Difference

Imagine this: you own a local café, and you want to streamline payments for your customers while managing inventory efficiently. Our merchant services can help you accept various payment methods, making transactions smooth for both you and your patrons. With tools tailored to fit your business model, you can focus on what really matters delivering exceptional service. At Clearwater, we're more than just a bank; we're your partner in success. Let us help you turn your business goals into reality. Visit us today at 1775 S Russell St Missoula Mt 59801 or give us a call at (406) 523-3300!

Tailored Loan Solutions

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 and Drive-Thru Services

Our branch also features ATM services for quick cash withdrawals and balance checks when you're on the go. For those who prefer face-to-face interactions without leaving their vehicles, our basic drive-thru banking services allow for easy deposits and withdrawals. Additionally, if you're a member of a partner credit union, take advantage of basic shared branch transactions where you can deposit or withdraw funds seamlessly. At Clearwater Credit Union in Missoula, MT, we're not just a place for transactions; we're your partners in financial wellness. Our goal is to empower you with the tools and resources necessary for managing your finances effectively. For more information or to get started with any of our services, feel free to give us a call at (406) 523-3300 or visit us online at Clearwater Credit Union. Let us help you navigate your financial journey today!

Business Banking Solutions

For local businesses, Clearwater offers specialized banking services that include merchant services and business loans. We know how important it is for businesses to have reliable financial support, which is why we're here to assist you in achieving your goals.

Online and Mobile Banking

In today's fast-paced world, convenience is key. That's why we provide robust online and mobile banking features. With our online banking platform, you can easily manage your accounts from anywhere. Need to check your balance or make a transfer? Our mobile app lets you do just that plus, you can send money directly to friends through person-to-person transfers.

Personal Banking Services

When it comes to personal banking, we offer checking and savings accounts designed to help you manage your day-to-day finances effectively. If you're considering purchasing a new car or need financing for your vehicle, our auto loans and vehicle financing options are flexible and affordable. Homeownership is within reach with our mortgage loans and refinancing solutions, making it easier than ever to invest in your future. If you're dealing with unexpected expenses or want to consolidate your debt, our personal loans can provide the support you need. And don't forget about our credit cards that come with rewards perfect for those who like to earn while they spend.

Digital & Online Banking

Convenient Features

Our online platform offers a variety of features to help you stay in control of your money. You can easily check balances, transfer funds, and pay bills all from the comfort of your home or on the go. Plus, with electronic signatures available, you can complete transactions quickly and securely without needing to visit a branch.

Mobile Banking Made Easy

With our mobile application, banking is literally at your fingertips. Whether you're making mobile payments or sending money to friends through person-to-person transfers, our app provides a user-friendly experience that fits seamlessly into your busy life. If you prefer using your smartphone for transactions, our mobile payments feature makes it quick and simple.

Security You Can Trust

At Clearwater, we prioritize your security. Our online banking system is equipped with advanced security measures to protect your personal information and financial data. You can bank with confidence knowing that we're committed to keeping your accounts safe. In summary, Clearwater's digital and online banking services provide the convenience and accessibility you need while ensuring that managing your finances is straightforward and secure. Explore all these features today by visiting Clearwater Credit Union.

Stay Organized with E-Statements

Say goodbye to paper clutter! Our e-statements feature allows you to view and manage your account statements digitally. This not only helps keep your finances organized but also contributes to a more sustainable environment.

Financial Strength

Committed to Growth

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 is robust; with $8,216 in used auto loans and $783,741,231 in total loans and leases, we're here to support your financial goals across various sectors. Our operational efficiency is reflected in our $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 who are always ready to serve you with a knowledgeable, committed team.

Member Trust

Total Share Accounts: 136,218, showing a strong and growing member base that trusts us with their finances. The net shares available for lending and investments stand at $2,575,473, further showcasing our ability to support your needs effectively. In summary, 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 1775 S Russell St Missoula Mt 59801 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.

Secure Savings Options

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. We prioritize our members above all else; 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.

Strong Financial Health

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 $1,203 demonstrates a solid capital foundation, ensuring that we can continue providing loans, competitive savings rates, and uninterrupted services even in uncertain economic times.

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 a reliable used car, we are here to make the process easy and affordable.

Business Loans

For business owners, our outstanding commercial loans totaling $134,634,645 provide the capital needed to grow and expand your business. We believe in supporting local entrepreneurs and small businesses by offering tailored solutions to meet their financing needs. Our dedicated team at Clearwater is committed to helping you navigate through these options seamlessly. If you're interested in refinancing or exploring eligibility options for any of our loan products, feel free to reach out to us at 406-523-3300 or visit us at 1775 S Russell St Missoula MT 59801. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov , based on the latest results. At Clearwater Credit Union, we're here to help you every step of the way toward achieving your financial dreams!

Mortgage Loans

Thinking about homeownership? Our mortgage options, including Junior Lien 1-4 Family Residential Properties loans totaling $65,738,147, make buying or refinancing simple. We understand that purchasing a home is one of the biggest decisions you'll ever make. That's why we offer personalized service and guidance every step of the way.

Unsecured Credit Card Loans

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 are designed for everyday purchases while providing you with the ability to build your credit history.

Loan Aggregator

Benefits of Using LendMesh

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How LendMesh Ensures Accurate Comparisons

Loan data on LendMesh is sourced directly from banks and credit unions that comply with National Credit Union Administration (NCUA) lending standards, based on the latest results (Source: https://www.ncua.gov ). This commitment ensures that users receive fair and transparent offers. By focusing on verified data, LendMesh guarantees that the loan options presented are legitimate and trustworthy.

CLEARWATER FEDERAL CREDIT UNION