Clearwater Credit Union Missoula MT | Quick Personal Loans & Auto Financing

Introduction

Welcome to Clearwater, your trusted financial partner in the heart of Missoula, Montana. Established in 1956, our commitment to serving our members has made us a cornerstone of this community. With 62,859 members and total assets exceeding $1,093,213,713, we pride ourselves on delivering personalized banking solutions that truly meet your needs. Our branch is conveniently located at 2237 34th St, Missoula, MT 59801, where we offer a range of services designed to help you achieve your financial goals. From checking and savings accounts to auto loans and mortgages, we are dedicated to providing you with exceptional service every step of the way. We also understand that effective communication is essential; that's why you can reach us at (406) 523-3300 for any inquiries or assistance. Under the leadership of CEO Jack Lawson and Board President Anthony Boote, our team works tirelessly to create a welcoming environment for all members. We believe in building strong relationships within the community, fostering trust and support that go beyond traditional banking. While members can visit us at our branch location, all official correspondence should be sent to our mailing address if it's different from the branch address. Our team is available during lobby hours from Monday to Friday, making it easy for you to get the help you need when you need it. Join us today and discover how Clearwater can help you navigate your financial journey with confidence. Visit our website at clearwatercreditunion.org for more information or simply drop by our branch we're here to serve you!

Branch History & Mission

Community Engagement

Clearwater is deeply committed to community outreach and support. We engage with local organizations and initiatives that uplift the community and promote financial literacy. By partnering with various groups, we strive to create positive change and provide resources that help improve the lives of those around us. In addition to our traditional banking services, we've embraced digital advancements that enhance member experience. With options like online banking and mobile payments available, managing finances has never been easier or more convenient. Join us at Clearwater and become part of a community-focused credit union dedicated to your financial success. Experience firsthand how we can support you every step of the way! For more information or to start your membership journey today, visit us at Clearwater Credit Union or give us a call at (406) 523-3300. Let's work together towards achieving your financial goals!

Mission Statement

Our mission at Clearwater is simple yet profound: to empower our members through exceptional financial services while fostering community connections. We believe that everyone deserves access to quality banking solutions that can help them achieve their dreams. Whether it's personal banking needs, auto loans, or business financing, we aim to make these processes straightforward and beneficial for all. While members can visit us at 2237 34Th St Missoula MT 59801 for any assistance they need, official correspondence should be sent to the same address as there is no separate mailing address. Our operating hours are designed with your convenience in mind: Monday through Thursday from 9:00 AM to 4:30 PM and Friday from 9:00 AM to 5:00 PM. Additionally, we offer drive-thru services from Monday to Friday from 7:30 AM to 6:00 PM for those who prefer quick transactions.

Branch Location & Accessibility

Welcome to Clearwater, your friendly neighborhood credit union located at 2237 34th St in Missoula, MT! Our branch is not just a spot on the map; it's a hub of convenience for all your banking needs. Nestled close to local favorites and easily accessible from major roads, we are here to serve you with a smile. While members can visit us at our physical location, we want you to know that we also provide a reliable mailing address for official correspondence. Our operating hours are designed with your busy life in mind: our lobby is open Monday through Friday from 9:00 AM to 4:30 PM, and our drive-thru service is available from 7:30 AM to 6:00 PM on weekdays. Finding us is easy! Whether you're coming from downtown or nearby neighborhoods, our branch is situated conveniently for quick access. Parking is plentiful and designed for easy entry and exit, ensuring that your visit is as smooth as possible. We also take accessibility seriously our branch features ADA-compliant entrances and ramps so everyone can enjoy our services. At Clearwater, we believe in offering more than just traditional banking. You can take advantage of our ATM availability right on-site and enjoy the ease of drive-thru banking for simple transactions like deposits and withdrawals. Plus, if you're part of a partner credit union, feel free to use our shared service center for basic transactions as well! If you have any questions or need assistance, don't hesitate to call us at 406-523-3300. We can't wait to welcome you into our Clearwater family!

Member Eligibility

Becoming a member of Clearwater is like joining a close-knit family that truly cares about your financial well-being. At our branch located at 2237 34Th St Missoula Mt 59801, we welcome anyone who lives, works, worships, or attends school in the Missoula area. Whether you're just starting out on your financial journey or looking for a supportive partner to help you reach your goals, we believe everyone deserves access to the services and benefits we offer. Membership provides you with personalized banking options, competitive rates, and a community-focused approach that sets us apart. To learn more about our eligibility requirements for detailed information. Ready to join? Opening an account is simple! Just check out the easy steps outlined at http://clearwatercreditunion.org/home-loans/home-buying-center/get-started/, or give us a call at (406) 523-3300 if you have any questions. We can't wait to welcome you into the Clearwater family!

Business Banking & Commercial Services

Commercial Loan Options

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.

Merchant Services

But it doesn't stop there! Our merchant services are designed to simplify your day-to-day operations. Picture a busy restaurant owner who needs an easy way to process payments while keeping track of sales. Our tailored merchant solutions provide that convenience, allowing you to focus on what you do best serving your customers. Visit us at 2237 34Th St Missoula Mt 59801 in Missoula, MT, or call us at (406) 523-3300 to learn more about how we can support your business goals today!

Comprehensive List Of Services

Business Banking Services

For local entrepreneurs and businesses, we provide specialized services such as merchant services and business loans. We know how important it is for your business to have reliable financial support. With our assistance, you can focus on growing your business while we take care of the numbers.

Digital Banking Convenience

In today's fast-paced world, convenience matters. That's why online and mobile banking are integral parts of our offerings at Clearwater - Ss Retail. You can check balances, transfer funds, and pay bills from anywhere no need to visit us in person if you're pressed for time! Our ATM and cash withdrawal services ensure that access to your money is just around the corner.

Easy Transactions at Your Fingertips

For those quick visits, we offer basic drive-thru banking where you can handle deposits, withdrawals, and simple transactions without leaving your car. Additionally, if you're a member of a partner credit union, our shared branch transactions allow you to make deposits and withdrawals effortlessly. At Clearwater, we're committed to making banking easy and accessible for everyone in Missoula, MT. If you're ready to explore how we can assist you further or have any questions about our services, don't hesitate to reach out! Call us at (406) 523-3300, or visit us at 2237 34Th St Missoula Mt 59801 today. Join us at Clearwater - Ss Retail where we prioritize your financial well-being!

Personal Banking Solutions

Our personal banking options are tailored for everyone. With checking and savings accounts, you can choose the right fit for your lifestyle. Imagine easily keeping track of your spending while saving for that dream vacation! Our auto loans and vehicle financing make purchasing a new car hassle-free, allowing you to hit the road in no time. If you're considering buying a home, our mortgage loans and refinancing services can help turn that dream into reality with competitive rates and personalized advice. Sometimes life throws unexpected expenses your way, which is why we offer personal loans and debt consolidation options. We want to help you regain control over your finances without breaking a sweat. Plus, our credit cards with rewards let you earn points on everyday purchases, making each transaction more rewarding.

Digital & Online Banking

Convenient Online Banking

With our 24/7 online banking services, you can access your accounts anytime, anywhere. Just visit http://clearwatercreditunion.org/ to get started. You can check balances, pay bills, transfer money, and even apply for loans all from the comfort of your own home. This means no more rushing to the bank during business hours or waiting in line; everything you need is just a few clicks away.

E-Statements for Easy Tracking

Say goodbye to paper clutter with our e-statements. With this feature, you'll receive your account statements electronically, making it easy to track your spending and manage your finances from anywhere. No more worrying about lost mail or keeping track of physical statements. At Clearwater, we're committed to providing you with accessible and efficient banking solutions that cater to your needs. Explore all these features today and experience how digital banking can simplify your life!

Mobile App Features

Our mobile application makes banking even easier. You can enjoy features like person-to-person transfers, allowing you to send money to friends and family instantly. Plus, with mobile payments enabled, you can make purchases using your phone securely and conveniently. Everything is designed with user-friendliness in mind so that managing your money feels effortless.

Secure Transactions

Security is a top priority at Clearwater. We use advanced technology to protect your personal information and transactions. Our electronic signature authorization feature allows you to sign documents digitally, making it simpler and faster to complete transactions without compromising safety.

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 proud to share our financial strength, which reflects our commitment to providing reliable services and support to our community. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. 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 is robust with $8,216 in used auto loans and a total of $783,741,231 in loans and leases, supporting members' financial goals across various sectors. Our operational efficiency is reflected in our performance currently showing $0 in net income which allows 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, committed team. The total number of share accounts stands at 136,218, showcasing a strong and growing member base that trusts us with their finances. Our net shares (funds available for lending and investments) amount to $2,575,473, indicating our ability to provide support when you need it most. 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 2237 34Th St Missoula Mt 59801 or call 406-523-3300 to learn more about how we can help you achieve your financial goals.

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. We provide flexible terms and competitive rates to ensure you find the right fit for your budget.

Business Financing

For business owners looking to expand or invest in their operations, our outstanding commercial loans totaling $134,634,645 provide the capital needed to grow and succeed. We understand that every business is different and are dedicated to offering tailored solutions that fit your needs.

Credit Card Loans

Managing finances can be easier with our unsecured credit card loans. We offer flexible terms on these loans, with a total of $23,801,187 available to help members effectively manage their spending while enjoying rewards on purchases.

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're here to guide you through the process and help you secure the financing you need for your dream home.

Refinancing Options

If you're considering refinancing any existing loans or mortgages for better rates or terms, our team is ready to discuss eligibility options with you. Refinancing can be a great way to save money and reduce monthly payments. At Clearwater Credit Union, we're committed to providing accessible financial solutions that empower our members. For performance insights and financial data sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. Explore our loan offerings today and see how we can assist you in achieving your financial aspirations!

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CLEARWATER FEDERAL CREDIT UNION - Missoula, MT

Type of Loan Offerings

Personal Loans

Student Loans

Vehicle Loans

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