We believe that banking should be about more than just transactions; it's about making a positive impact in the lives of those we serve. Our outreach initiatives focus on supporting local organizations, promoting financial literacy, and fostering economic development within Missoula and beyond. By partnering with schools and non-profits, we work to uplift our community because we know that together, we can achieve more.
While maintaining our deep-rooted community values, Clearwater also embraces technology to enhance member experiences. We offer modern conveniences such as online banking and mobile payments for those who prefer digital solutions. Our commitment to accessibility includes ADA-compliant facilities to ensure everyone feels welcome at our branch. Although we do not have ATM or drive-thru services currently available, our dedicated team is always ready to assist you during lobby hours from Monday to Thursday 9:00 AM - 4:30 PM and Friday from 9:00 AM - 5:00 PM.
As we look ahead to the future, Clearwater remains focused on delivering personalized service tailored to your unique needs. Whether you're looking for loans or savings options, we're here to help you reach your financial goals. We invite you to visit us at 3600 Brooks St in Missoula or explore more about what Clearwater has to offer by calling us at (406) 523-3300 or visiting our website at clearwatercreditunion.org. Experience the difference of being part of a credit union that truly cares about its members and community!
From humble beginnings, Clearwater has steadily expanded its services to meet the changing needs of our community. Over the years, we've achieved significant milestones, including growing our total assets to an impressive $1,093,213,713. This growth reflects our commitment to providing exceptional financial services while ensuring the best possible experience for our members. Our mission is clear: to empower individuals and families through accessible financial solutions and community support. We strive to create lasting relationships built on trust and integrity. Every member who walks through our doors is not just a number; they are part of the Clearwater family.
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.
Imagine processing payments seamlessly while focusing on what you do best running your business. Our merchant services provide the tools you need to accept payments easily and securely, whether in-store or online. This means less time worrying about transactions and more time delighting your customers. Located at 3600 Brooks St Missoula Mt 59801 in Missoula, MT, we're dedicated to empowering local businesses. Let us help you achieve your goals! For inquiries, call us at (406) 523-3300.
In today's fast-paced world, convenience is key. That's why we emphasize our digital banking features. With online banking and mobile payments available, managing your finances has never been easier. You can check your account balance, transfer money, or pay bills right from your smartphone or computer. Our user-friendly mobile application allows you to bank on the go, ensuring that your financial needs are met no matter where life takes you.
One of the core services we offer at Clearwater is ATM Services Only. This service ensures that you can easily access your funds whenever you need them. Imagine being out shopping or running errands and needing cash with our ATM services, you can quickly get what you need without any hassle.
At Clearwater, we understand that every member's journey is unique. Whether you're a first-time homebuyer looking for guidance or someone wanting to streamline their finances with e-statements, we're here to assist you every step of the way. Our team is dedicated to helping you find the right solutions tailored to your lifestyle.
We invite you to visit us during our lobby hours: Monday through Thursday from 9:00 AM to 4:30 PM and Friday from 9:00 AM to 5:00 PM. If you have questions about our services or need assistance, don't hesitate to call us at (406) 523-3300. We're here to help make your banking experience as smooth and enjoyable as possible. Explore all that Clearwater has to offer by visiting our website at http://clearwatercreditunion.org/ today! Your financial well-being is important to us, and we look forward to serving you soon!
With our 24/7 online banking services, you can check balances, transfer funds, and pay bills at any time that suits you. If you're always on the move, our mobile application makes banking even easier. You can download it to manage your accounts right from your smartphone! We also offer e-statements for those who prefer a paperless option. This not only helps the environment but also allows you to view your statements quickly and securely whenever you need them. Plus, with electronic signature authorization, signing documents has never been simpler no more printing and mailing forms! If you're looking to send money to friends or family, our person-to-person transfer feature lets you do this easily and securely. And if you enjoy the convenience of mobile payments, you'll be glad to know that we support this as well.
Your security is a top priority at Clearwater. We use advanced encryption technology to protect your personal information while you bank online. Our user-friendly features ensure that even those new to digital banking find it easy to navigate. In short, whether you're at home or on the go, our digital and online banking services make managing your finances straightforward and secure. Join us today and experience the convenience of banking with Clearwater!
We also take pride in having 187 full-time employees and 5 part-time employees who are dedicated to serving you with expertise and care. Our knowledgeable team is always ready to assist you at every step of your financial journey.
Total Share Accounts stand at 136,218, showcasing a strong and growing member base that trusts us with their finances. As we grow together, our commitment remains steadfast: to provide you with exceptional service and reliable financial solutions tailored just for you. 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 3600 Brooks St Missoula Mt 59801 or call (406) 523-3300 to learn more about how we can help you achieve your financial goals.
With $113,766,756 in undivided earnings, we reinvest in innovative banking tools and stronger lending options to enhance your experience with us. This reinvestment allows us to introduce new products that meet your evolving needs while ensuring your funds remain secure. Our lending capacity is substantial, with $8,216 in used auto loans and $783,741,231 in total loans and leases available for our members. This diverse range of offerings supports your financial goals across various sectors.
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 your savings because we believe that when our members succeed, we all succeed. Unlike traditional banks, we focus on our members first. With non-member deposits at $2,266,836, we ensure that our resources are concentrated on benefiting you through better loan rates, lower fees, and exclusive perks designed specifically for our member community.
With a net worth of $131,566,756, we maintain strong financial health, which allows us to offer better rates, lower fees, and enhanced member services. This robust net worth reflects our commitment to supporting our members' needs while maintaining stability. Our net worth ratio of 12.03% demonstrates a solid capital foundation, ensuring that we can continue providing loans, competitive savings rates, and uninterrupted services even in uncertain economic times. This means you can trust us to be here when you need us the most.
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 looking for a reliable used car or a brand-new model, our flexible terms can make your purchase easier.
For business owners, our outstanding commercial loans totaling $134,634,645 provide the capital needed to grow and expand. We understand that running a business comes with its own set of challenges, and we're here to support your journey. Whether you're considering refinancing an existing loan or looking for eligibility options for any of our products, we encourage you to reach out. Our team is ready to assist you in navigating through your options and finding what works best for you. At Clearwater Credit Union, we pride ourselves on transparency and member service. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. If you have questions or would like more information about any of our loan offerings, feel free to contact us at 406-523-3300. We're here to help!
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 work with you every step of the way to ensure you find the right loan for your circumstances.
Managing everyday expenses is easier with our unsecured credit card loans. With a total of $23,801,187 in loans available, we provide flexible terms that help our members manage their finances effectively. This option is perfect for those who need quick access to funds without tying up collateral.
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