Clearwater Credit Union Missoula MT | Quick Personal Loans & Business Banking

Introduction

Welcome to Clearwater, your trusted financial partner located at 126 W Spruce St, Missoula, MT 59802. Established in 1956, we take pride in serving our growing community of over 62,859 members with dedication and care. Our mission is simple: to provide personalized banking solutions tailored to meet your needs. At Clearwater, we understand that financial stability is crucial for both individuals and businesses. That's why we manage total assets of $1,093,213,713 and offer a wide range of services, including personal banking, auto loans, mortgages, and business financing. With a strong commitment to our members, we have successfully issued 32,455 loans and leases, ensuring that your dreams can become reality. While you can visit us at our branch address for all your banking needs, please note that official correspondence should be directed to our mailing address at 3600 Brooks St, Missoula, MT 59801. Led by our dedicated CEO Jack Lawson and Board President Anthony Boote, our team of 192 employees is here to support you every step of the way. We believe in fostering trust within our community while maintaining a solid financial foundation with a net worth of $131,566,756 and total deposits exceeding $45,786,495. Whether you're looking to open an account or apply for a loan, we're here to help! Feel free to call us at 406-523-3300 or explore more about our services on our website at clearwatercreditunion.org. Come discover how Clearwater can help you achieve your financial goals today!

Branch History & Mission

At Clearwater, we are proud to share a legacy that began in 1956 in the heart of Missoula, MT. Since our inception, we have been dedicated to serving our community and helping individuals achieve their financial goals. With a steadfast commitment to providing accessible financial services, our branch has grown alongside our members, evolving to meet their diverse needs over the years. Located at 126 W Spruce St, Missoula, MT 59802, our branch is easily accessible for all residents in the area. We invite you to visit us in person or reach out by phone at 406-523-3300. While members can visit us at this location, official correspondence should be sent to our mailing address at 3600 Brooks St, Missoula, MT 59801. As of today, Clearwater proudly serves over 62,859 members with total assets reaching an impressive $1,093,213,713. Our mission is simple yet powerful: to enhance the financial well-being of our members while contributing positively to the community. We believe that everyone deserves a chance to thrive financially. That's why we offer a range of services tailored for personal and business needs from checking accounts and auto loans to mortgages and credit cards with rewards. Over the years, we've invested in digital advancements to provide convenient online banking options and mobile applications that allow members to manage their finances effortlessly. Our commitment extends beyond just banking; we strive for ADA compliance and ensure that all members have access to our services. We also take pride in being a part of the Missoula community through partnerships and outreach efforts. By supporting local initiatives and charities, we aim to foster a spirit of cooperation and support among our neighbors. Our operating hours are designed for your convenience: Monday through Thursday from 9:00 AM to 4:30 PM and Friday from 9:00 AM to 5:00 PM for lobby services. Additionally, you can take advantage of our drive-thru banking from Monday to Friday between 7:30 AM and 6:00 PM. In addition to traditional banking services, we offer shared service center availability for partner credit union members as well as ATM access for easy cash withdrawals and balance checks. Join us at Clearwater Credit Union where your financial future matters most! Experience firsthand how we can help you achieve your goals while being part of a caring community. Visit us today or explore more about what we offer online at Clearwater Credit Union.

Branch Location & Accessibility

Call Us Anytime!

Have questions? Our friendly team is ready to assist you! Give us a call at 406-523-3300 or stop by during our operating hours. We look forward to welcoming you at Clearwater Credit Union and helping you with all your banking needs!

Convenient Access and Parking

At Clearwater, we prioritize making banking accessible for everyone. Our branch is fully compliant with ADA standards, featuring ramps and easy entry points for all. Plus, there's plenty of parking available nearby, so you can stop by with ease.

Operating Hours that Fit Your Schedule

We understand that life gets busy! That's why we offer flexible hours for your convenience. Our lobby is open Monday through Thursday from 9:00 AM to 4:30 PM and on Friday until 5:00 PM. For those on the go, our drive-thru service operates Monday through Friday from 7:30 AM to 6:00 PM, allowing you to handle your banking needs quickly without leaving your vehicle.

Services Tailored for You

At Clearwater, we provide a range of services designed to meet your needs. From personal banking solutions like checking and savings accounts to auto loans and mortgage refinancing options, we're here to help you every step of the way. Additionally, enjoy the convenience of our ATM services and drive-thru banking for quick deposits and withdrawals.

Member Eligibility

Becoming a member of Clearwater is like joining a warm and welcoming family where your financial well-being is our top priority. If you're living, working, or worshiping in the Missoula area, you're likely eligible to join us! We believe in making banking accessible for everyone, so whether you're a student, a professional, or just someone looking for better financial services, we invite you to explore membership with us. Enjoy perks like competitive rates on loans and savings accounts, personalized service from our dedicated team, and a range of products designed to meet your needs. To get started on your journey with Clearwater, simply visit us at our location on 126 W Spruce St Missoula Mt 59802 or give us a call at (406) 523-3300. You can also find all the details about eligibility and account opening by checking out this link: Eligibility Criteria. Joining is easy, and we can't wait to welcome you into our community!

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

In today's fast-paced world, having the right tools can make all the difference. Our merchant services allow you to accept payments easily and efficiently, whether online or in-person. This means more time for you to focus on what really matters: growing your business and serving your customers. Visit us at 126 W Spruce St Missoula Mt 59802 in Missoula, MT, or give us a call at (406) 523-3300 to learn more about how our business banking and commercial services can help you achieve your goals.

Comprehensive List Of Services

Accessing Cash Made Simple

Need cash? Our branch includes an ATM for quick access to funds along with basic drive-thru banking services for simple transactions like deposits and withdrawals. Plus, if you're a member of another credit union that participates in shared branching, you can complete basic transactions at our location too!

Business Banking Services

For our business members, we offer comprehensive Business Banking solutions including Merchant Services & Business Loans. We understand the unique challenges businesses face and strive to provide the tools necessary for success.

Convenience at Your Fingertips

With today's fast-paced lifestyle, we know convenience is key. That's why we offer robust Online & Mobile Banking features. Easily manage your accounts from anywhere using our user-friendly app. You can make transfers, check balances, pay bills, and even send money to friends and family with just a few taps on your smartphone.

Home Financing Made Easy

Buying a home is one of life's biggest decisions. At Clearwater, we simplify this process with our Mortgage Loans & Refinancing solutions. Our team is here to guide you through every step, ensuring you understand your options and find the right mortgage that meets your needs.

Personal Banking Solutions

Whether you are just starting out or looking to manage your finances better, our Personal Banking services have you covered. We offer checking and savings accounts that help you save for those big goals, whether it's a vacation, a new car, or simply building an emergency fund. If you're in the market for a new vehicle, our Auto Loans & Vehicle Financing options provide competitive rates and flexible terms tailored to fit your budget.

Rewarding Credit Card Options

Don't forget about our Credit Cards with Rewards! Earn points on your everyday purchases and enjoy benefits that make managing expenses more rewarding.

Support for Your Personal Goals

In addition to mortgages, we also provide Personal Loans & Debt Consolidation options. Whether you need funding for a special project or want to consolidate existing debt into one manageable payment, we're here to assist you in achieving your financial objectives.

Visit Us Today!

We invite you to visit us at 126 W Spruce St Missoula Mt 59802, or give us a call at (406) 523-3300 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. We look forward to helping you navigate your financial needs while providing the friendly service you've come to expect from Clearwater. Discover how we can assist you by checking out all of our offerings today!

Digital & Online Banking

Key Features

With our 24/7 online banking services, you can check balances, pay bills, and transfer funds whenever it suits you. No more rushing to the bank before closing time! Plus, with e-statements available, you can keep track of your finances without worrying about paper clutter. Our mobile application takes banking convenience a step further. You can make mobile payments directly from your phone, allowing you to handle transactions quickly and securely. Need to send money to a friend? Our person-to-person transfer feature makes it simple and instant.

Security and Ease of Use

Security is a top priority for us at Clearwater. We provide electronic signature authorization for your peace of mind, ensuring that your transactions are safe. Our user-friendly interface allows you to navigate easily, making it accessible for everyone whether you're tech-savvy or just getting started with digital banking. With all these features designed with you in mind, managing your money has never been easier or more secure. Dive into the future of banking with us today! For more information and to start using these services, visit http://clearwatercreditunion.org/ now!

Financial Strength

Growing Together

Total Share Accounts: 136,218, showing a strong and growing member base that trusts us with their finances. This collective strength empowers us to serve you better every day. 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 126 W Spruce St Missoula Mt 59802 or call (406) 523-3300 to learn more about how we can help you achieve your financial goals.

Investing in Our Future

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 significant; we have $8,216 in used auto loans and $783,741,231 in total loans and leases that support your financial goals across various sectors.

Member-Centric Savings

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.

Operational Efficiency

Our operational efficiency is reflected in our $2,695,100, 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, committed team.

Strong Financial Position

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 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.

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 after a brand-new model or a reliable used option, our team is here to guide you through the process and ensure you find the right fit for your budget.

Business Financing

For business owners looking to expand or improve operations, our outstanding commercial loans totaling $134,634,645 provide the capital needed to grow and succeed. Our team is equipped to support your business financing needs with tailored solutions that meet your unique requirements. At Clearwater located at 126 W Spruce St Missoula MT 59802, we're committed to helping you navigate your borrowing needs effectively. For more information on how our loan offerings can work for you or to discuss refinancing options available today, feel free to call us at 406-523-3300. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results.

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 aim to provide clear and straightforward lending solutions that can accommodate various financial situations. If you are interested in refinancing your current mortgage or exploring eligibility options for your first home purchase, we can assist you every step of the way.

Unsecured Credit Card Loans

Managing day-to-day expenses can be challenging; that's why 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, our credit cards come with rewards that can benefit your everyday purchases.

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CLEARWATER FEDERAL CREDIT UNION - Missoula, MT

Type of Loan Offerings

Personal Loans

Student Loans

Vehicle Loans

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