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

Introduction

Welcome to Clearwater, your trusted credit union located at 2610 N Reserve St, Missoula, MT 59808. Since our establishment in 1956, we've been dedicated to serving our community with reliable financial solutions tailored to your needs. With a strong membership base of 62,859 and total assets exceeding $1,093,213,713, we pride ourselves on being a pillar of support for both individuals and businesses alike. At Clearwater, we believe that financial health is the cornerstone of a thriving community. That's why we offer a wide range of services from personal banking options like checking and savings accounts to vehicle loans and mortgage refinancing. In addition, our commitment to business banking includes merchant services and business loans, ensuring that local entrepreneurs have the support they need to succeed. While members can visit us at our branch address, official correspondence should be sent to 3600 Brooks St, Missoula, MT 59801. Our experienced team, led by CEO Jack Lawson and Board President Anthony Boote, is here to guide you through your financial journey with personalized service and expertise. With total loans amounting to 32,455 and deposits over $45,786,495, Clearwater stands as a reliable partner in your financial endeavors. We also maintain a net worth of $131,566,756, showcasing our stability and commitment to responsible growth. Ready to take the next step towards achieving your financial goals? Visit us today or give us a call at 406-523-3300. Let Clearwater be your trusted ally in navigating the path to financial success!

Branch History & Mission

Commitment to Community

At Clearwater, we believe that banking should be more than just transactions; it should be about fostering community connections. Our commitment extends beyond just providing financial services; we actively engage in local outreach efforts and partnerships aimed at uplifting those around us. While members can visit us at 2610 N Reserve St for their banking needs, official correspondence can be sent to 3600 Brooks St, Missoula, MT 59801. We are also pleased to offer convenient features like drive-thru banking and ATM access, ensuring that your banking experience is both efficient and user-friendly.

Embracing Modern Solutions

In today's digital world, we understand the importance of accessibility. That's why we've invested in online and mobile banking platforms that allow you to manage your finances anytime, anywhere. Whether it's through electronic statements or mobile payments, we strive to make banking as straightforward as possible.

Join Us!

As we look towards the future, Clearwater remains committed to enriching lives and supporting the community that has supported us for so many years. If you're not yet a member or looking for a reliable partner in your financial journey, we invite you to join us! Experience firsthand the benefits of being part of Clearwater where your financial success is our priority. For any inquiries or assistance, don't hesitate to contact us 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. Together, let's build a brighter future!

Our Journey

Since opening our doors, Clearwater has experienced remarkable growth and change. From our humble beginnings, we have expanded our services and embraced modern banking practices while staying true to our core values. Today, we manage total assets of approximately $1.09 billion, a testament to the trust placed in us by our members. Our mission is clear: to empower our members through accessible financial services while enhancing the quality of life in our communities. We offer a wide range of products including personal and business banking solutions, auto loans, mortgages, and credit cards with rewards that cater to diverse financial needs.

Branch Location & Accessibility

Comprehensive Services at Your Fingertips

When you visit Clearwater, you're not just getting access to an ATM; you're stepping into a world of financial possibilities! From personal checking and savings accounts to auto loans and mortgage refinancing, we have something for everyone. We also provide shared services for partner credit union members, allowing deposits and withdrawals even if you're visiting from another branch. While members can visit us at 2610 N Reserve St Missoula Mt 59808, official correspondence should be sent to our mailing address at 3600 Brooks St, Missoula, MT 59801. If you have any questions or need assistance, don't hesitate to call us at 406-523-3300.

Easy Access and Nearby Landmarks

Whether you're stopping by after work or running errands, our location is perfect for you. You'll find us right across from the popular Southgate Mall, making it easy to combine your shopping trips with banking tasks. Plus, we offer ample parking so you can come and go without any hassle. Our branch is fully equipped with ADA-compliant features, including ramps for easy access, ensuring everyone in our community can visit us comfortably.

Friendly Operating Hours

At Clearwater, we understand that your time is valuable. That's why our lobby hours are designed to fit your busy schedule. We're open Monday through Thursday from 9:00 AM to 4:30 PM, and on Fridays from 9:00 AM to 5:00 PM. Need to swing by on the weekend? We're here for you on Saturdays from 9:00 AM to 1:00 PM! If you prefer drive-thru service, our drive-thru banking is available Monday through Friday from 7:30 AM to 6:00 PM and Saturday from 9:00 AM to 1:00 PM as well.

Visit Us Today!

We invite you to stop by Clearwater today! Whether you need help opening an account or want information about our loan options, our friendly staff is here to assist you every step of the way. Experience the personalized service that makes us more than just a credit union come see how we're part of your community!

Member Eligibility

Joining the Clearwater community means stepping into a world of support and shared values. At Clearwater, we warmly welcome individuals who live, work, worship, or attend school in our vibrant community. If you're a member of our local associations or have family members who are already part of our credit union, you're also eligible to join us. Becoming a member opens up a range of benefits tailored just for you, from competitive loan rates to personalized financial services designed to help you thrive. Ready to get started? Opening an account with us is easy and straightforward. You can find all the details you need about eligibility and how to become a member. If you have any questions or need assistance along the way, don't hesitate to reach out at (406) 523-3300. We're here for you!

Business Banking & Commercial Services

Member 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. Whether you're looking to expand your operations, invest in new equipment, or manage cash flow, we have options that fit your needs.

Non-Member Support

We also support the broader business community with $4 in non-member commercial loans, providing flexible financing solutions that can help jumpstart new ventures or stabilize existing ones.

Outstanding Portfolio

With an outstanding commercial loan portfolio of $134,634,645, we continue to drive economic growth by financing new and expanding businesses in the Missoula area. In addition to loans, our merchant services offer practical benefits, such as streamlined payment processing solutions that make it easier for you to handle transactions efficiently keeping your focus on what matters most: running your business. Visit us at 2610 N Reserve St Missoula Mt 59808 or call us at (406) 523-3300 to explore how we can partner with you on your business journey!

Comprehensive List Of Services

Convenient Access

Accessibility is key in today's fast-paced world. Our branch features an ATM for cash withdrawals and basic drive-thru banking for quick deposits and withdrawals. If you're part of another credit union, take advantage of our Basic Shared Branch Transactions, allowing you to complete deposits and withdrawals effortlessly.

Get Started Today!

Ready to take charge of your financial future? Call us at (406) 523-3300 or visit our website at Clearwater - Rs to learn more about how our services can benefit you. Our friendly staff is eager to assist you in finding the right solutions tailored just for you. Join us at Clearwater, where we're committed to supporting your financial journey every step of the way!

Loans and Credit Options

At Clearwater, we understand that life can sometimes throw unexpected expenses your way. That's why we provide Personal Loans & Debt Consolidation options helping you regain control over your finances. Additionally, our Credit Cards with Rewards give you the chance to earn points on every purchase you make. For business owners, we offer comprehensive Business Banking services, including merchant services and business loans that can help you expand and thrive in today's economy.

Personal Banking Services

Whether you're looking to open a checking or savings account, our Personal Banking options cater to all your everyday financial needs. Imagine having the ability to manage your finances from the comfort of your home. With our Online & Mobile Banking features, you can check your balance, transfer funds, and pay bills anytime, anywhere. If you're considering purchasing a new car or refinancing an existing vehicle, our Auto Loans & Vehicle Financing services are designed with competitive rates and flexible terms. For those planning to buy a home, we offer Mortgage Loans & Refinancing solutions that help make the process easier and more affordable.

Digital & Online Banking

Accessibility and Ease-of-Use

Clearwater makes it easy to stay on top of your finances. You can manage your accounts in real-time from anywhere with an internet connection. The intuitive design of our online banking platform means you won't have to waste time figuring out how things work just log in and get started! Whether you're at home, at work, or out running errands, our digital tools provide you with the flexibility you need. Join us at Clearwater and experience how easy managing your finances can be!

Key Features

We know security is a top concern when it comes to managing money online. That's why Clearwater provides electronic signature authorization to ensure that all your transactions are safe and secure. You can also enjoy the peace of mind that comes with e-statements, which allow you to view your account statements online rather than waiting for them in the mail. In addition, our mobile application gives you the power to handle your banking on-the-go. Want to pay a friend? With our person-to-person transfer feature, sending money is quick and hassle-free. Plus, our mobile payments option means you can shop without needing cash or cards; just use your smartphone!

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 maintaining a strong financial foundation that allows us to offer the best services possible while ensuring your savings are safe. 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 across various sectors with $8,216 in used auto loans and $783,741,231 in total loans and leases. Our operations reflect our commitment to excellence with $0 net income, showcasing our focus on sustainable practices rather than short-term profits. 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) amount to $2,575,473, while the total number of share accounts stands at 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 2610 N Reserve St Missoula MT 59808 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 purchasing a brand-new model or a reliable pre-owned vehicle, we have options that suit your budget and lifestyle.

Business Financing

For business owners, our outstanding commercial loans totaling $134,634,645 provide the capital needed to grow and expand. Whether you're starting a new venture or looking to enhance an existing one, our business loans are designed to support your ambitions. In addition to these options, we encourage you to explore refinancing opportunities if you're looking for ways to improve your current loan terms. It's essential to note that performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. For more information about our loan products or to speak with one of our knowledgeable representatives, please call us at 406-523-3300. We're here to help you every step of the way!

Mortgage Loans

Thinking about homeownership? Our mortgage options make buying or refinancing simple. We provide various mortgage solutions, including Junior Lien 1-4 Family Residential Properties loans totaling $65,738,147. We also offer refinancing options to help you lower your monthly payments or access cash from your home's equity.

Unsecured Credit Card Loans

We also offer flexible terms on unsecured credit card loans, with a total of $23,801,187 in loans assisting members in managing their finances effectively. These cards come with no collateral requirements and can help streamline your spending while providing rewards for responsible use.

Loan Aggregator

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How LendMesh Ensures Accurate Loan 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 to using verified institutions ensures fair and transparent offers for users. Each loan listing is carefully curated to reflect current market conditions, allowing consumers to make informed decisions.

CLEARWATER FEDERAL CREDIT UNION - Missoula, MT

Type of Loan Offerings

Personal Loans

Student Loans

Vehicle Loans

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