Clearwater Credit Union Missoula MT | Top Checking & Rewards Cards

Introduction

Welcome to Clearwater, your trusted financial partner located at First Level University Ctr, Missoula, MT 59812. Since our establishment in 1956, we have been dedicated to serving our community with integrity and care. With a growing membership of 62,859 members, we're more than just a credit union; we are a family that supports each other through life's financial journeys. At Clearwater, we pride ourselves on our solid financial standing. Our total assets amount to an impressive $1,093,213,713, with total deposits reaching $45,786,495. We are committed to providing competitive loans and services tailored to meet your needs, having issued a total of 32,455 loans and leases. Our net worth stands at $131,566,756, ensuring that we can continue to offer the best for our members. Our leadership is passionate about fostering a welcoming environment. Under the guidance of CEO Jack Lawson and Board President Anthony Boote, we strive to create innovative solutions for personal and business banking alike. Whether you're looking for checking and savings accounts, auto loans, or mortgage options, we've got you covered! While members can visit us at our branch location in Missoula, official correspondence should be sent to our mailing address at 3600 Brooks, Missoula, MT 59801. If you have any questions or would like assistance with your financial needs, don't hesitate to reach out! You can contact us at 406-523-3300 during our lobby hours from 9:00 AM to 5:00 PM, Monday through Friday. We invite you to explore all that Clearwater has to offer by visiting us online at clearwatercreditunion.org. Join us as we continue to build a brighter financial future together!

Branch History & Mission

Commitment to Innovation

We understand that banking needs evolve over time. That's why we continually invest in digital advancements to enhance your banking experience. From online and mobile banking options to electronic signatures and mobile payments, we're dedicated to making banking easy and accessible for everyone. While members can visit us at First Level University Ctr for all their banking needs, official correspondence should be sent to our mailing address at 3600 Brooks, Missoula, MT 59801 if different from the branch address.

Join Us

Join us on this journey! At Clearwater, you're not just another account number; you're part of a family that cares about your well-being and success. With friendly staff available during our operating hours from Monday to Friday, 9:00 AM to 5:00 PM, we're here to answer any questions you might have. Call us at 406-523-3300 or visit our website at clearwatercreditunion.org to learn more about how we can help you thrive financially. Experience the benefits of membership today!

Our Mission

Our mission is simple yet profound: we strive to provide exceptional financial services while supporting the community we serve. Whether it's offering personal banking solutions like checking and savings accounts, auto loans, or mortgages, we aim to empower our members with the tools they need to achieve their financial goals. Moreover, we believe in giving back through various community outreach initiatives, ensuring that we not only support our members but also uplift those around us. As a credit union rooted in community values, Clearwater is more than just a place to bank; it's a hub for collaboration and growth. With total assets exceeding $1 billion and a focus on member satisfaction, we have established ourselves as a reliable partner for financial success.

Branch Location & Accessibility

Welcome to Clearwater Credit Union, conveniently located at First Level University Center in beautiful Missoula, MT. Our branch is easy to find and designed with your needs in mind. Whether you're a long-time member or new to our community, we're here to help you with all your banking needs. While members can visit us at First Level University Center, official correspondence should be sent to our mailing address at 3600 Brooks, Missoula, MT 59801. This helps ensure that your important documents reach us without delay. Situated near the vibrant heart of Missoula, our location is surrounded by local landmarks and attractions that make it easy to drop in during your day. We offer ample parking and accessibility features, including ADA-compliant ramps, ensuring that everyone can access our services comfortably. Our branch operates Monday through Friday from 9:00 AM to 5:00 PM, making it convenient for you to stop by after work or during lunch breaks. If you prefer banking on the go, we also provide ATM services for quick cash withdrawals and balance checks. At Clearwater Credit Union, we pride ourselves on offering a range of services tailored to meet your financial needs. From personal banking solutions like checking and savings accounts to auto loans and mortgage refinancing options, our friendly staff is ready to assist you. We also support basic shared branch transactions for partner credit union members. Feel free to give us a call at 406-523-3300 if you have any questions or need assistance before your visit. We look forward to welcoming you soon!

Member Eligibility

Joining the Clearwater family means becoming part of a supportive community that truly cares about your financial well-being. At Clearwater, located at First Level University Ctr Missoula Mt 59812, we welcome individuals who share our values and mission. Generally, if you live, work, or go to school in Missoula County, you're eligible to become a member. This opens up a world of opportunities for you, including access to a variety of financial services tailored to your needs. For those interested in learning more about the specific eligibility criteria, please visit our detailed resource at . Becoming a member is easy! Simply reach out to us at (406) 523-3300 or check out our account opening process online at http://clearwatercreditunion.org/home-loans/home-buying-center/get-started/ . We're here to guide you every step of the way as you take this exciting leap towards better banking options and personalized service. Welcome to a brighter financial future with Clearwater!

Business Banking & Commercial Services

Merchant Services That Work for You

In addition to loans, we offer comprehensive merchant services that simplify payment processing. Imagine a busy Saturday morning at your café; having the right tools allows you to accept payments quickly and efficiently, ensuring satisfied customers leave happy. Our services help you focus on what you do best running your business while we take care of the financial details. Visit us at First Level University Ctr Missoula Mt 59812 in Missoula, MT or call us at (406) 523-3300 to learn how we can help your business grow!

Tailored 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.

Comprehensive List Of Services

Auto Loans & Vehicle Financing

Thinking about purchasing a new car? Our auto loans offer competitive rates and flexible terms that make it simple for you to get behind the wheel of your dream vehicle. We also provide financing options for used cars, ensuring that whether you're buying new or pre-owned, we have solutions that fit your budget.

Business Banking Services

If you're a business owner, we haven't forgotten about you! Our business banking services include merchant services and business loans designed to help your venture thrive. You can count on us for support as you grow and manage your business finances.

Convenient Access & Support

In addition to our wide array of services, we ensure ease of access with ATM & Cash Withdrawal Services available at various locations. Plus, if you're a member of partner credit unions, enjoy basic shared branch transactions like deposits and withdrawals without any hassle. To speak with one of our friendly representatives or learn more about how we can assist you today, don't hesitate to call us at (406) 523-3300. At Clearwater - Um, we're not just about numbers; we're about people your financial well-being is our priority! So why wait? Come visit us at First Level University Ctr Missoula Mt 59812 or check out our website at http://clearwatercreditunion.org/ to explore all the ways we can help make managing your finances simpler and more rewarding!

Credit Cards with Rewards

Who doesn't love earning rewards? Our credit cards come with perks that allow you to earn points on everyday purchases. Imagine earning cashback or travel rewards simply by using your card for things you already buy!

Home Financing Options

When it comes to home ownership, we're here to support you every step of the way. Our mortgage loans and refinancing options provide the financial flexibility you need. Picture this: securing a low-interest rate on your mortgage can save you thousands over the life of the loan. Plus, our experienced team can guide you through the process, making it straightforward and stress-free.

Personal Banking Solutions

Whether you're looking to open a checking or savings account, our personal banking services are tailored to suit your lifestyle. Imagine being able to easily access your funds with online and mobile banking, allowing you to check balances, transfer money, and even pay bills right from your phone. With options for both checking and savings accounts, managing your money has never been easier.

Personal Loans & Debt Consolidation

Life can sometimes throw unexpected expenses your way. That's where our personal loans come into play. Whether it's for a family emergency or consolidating debt, we offer personal loans with terms that work for you. It's all about making sure you have the resources available when you need them most.

Digital & Online Banking

Access Your Accounts Anytime

With our 24/7 online banking services, you have complete access to your accounts whenever you need it. Whether it's checking your balance or transferring funds, everything is just a click away at http://clearwatercreditunion.org/ . Our user-friendly platform ensures that even those who aren't tech-savvy can navigate it easily.

Go Green with E-Statements

Sign up for e-statements and help reduce paper waste while keeping track of your finances digitally. It's not only better for the environment but also offers you instant access to your statements whenever you want them.

Mobile Banking Made Easy

Our mobile application lets you manage your accounts right from your smartphone. Want to make payments? With our mobile payments feature, it's as simple as tapping a button. Need to send money to friends? Use our person-to-person transfer service for quick and easy transactions. At Clearwater, we're committed to providing modern solutions that simplify your banking experience while keeping it secure and accessible. Join us today and discover how effortless managing your finances can be!

Security You Can Trust

Security is our top priority. We utilize advanced measures to protect your personal information. Plus, with electronic signature authorization available, signing documents online has never been safer or more convenient. You can complete transactions without the worry of compromising your data.

Financial Strength

Growing Member Base

Total Share Accounts stand at 136,218, showing a strong and growing member base that trusts us with their finances. Our commitment to serving you is unwavering. 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 First Level University Ctr Missoula MT 59812 or call us at 406-523-3300 to learn more about how we can help you achieve your financial goals.

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 net income of $0, 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 and committed team.

Reinvesting in Your Future

With $113,766,756 in undivided earnings, we reinvest in innovative banking tools and stronger lending options to serve our members better. Our lending capacity supports members' financial goals across various sectors with $8,216 in used auto loans and a total of $783,741,231 in loans and leases available to help you achieve your dreams.

Solid 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 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 interested in financing a new or used vehicle, we have options tailored to fit your budget.

Commercial Loans

For business owners looking to expand or invest in new opportunities, our outstanding commercial loans totaling $134,634,645 provide the capital needed to grow and succeed. At Clearwater, we believe in making financing accessible and straightforward for everyone. We also provide refinancing options if you're looking to lower your monthly payments or consolidate debt just ask us how! Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov , based on the latest results. Whether you're ready to apply or want more information about our loan products and eligibility options, give us a call at 406-523-3300 or visit us at our branch located at First Level University Ctr Missoula Mt 59812. We're here to help you every step of the way!

Credit Lines

If you need extra cash for unexpected expenses or projects around the house, our credit lines might be just what you need. With $370,691,608 available in total credit lines, we ensure that our members have access to funds when they need them most.

Mortgage Loans

Thinking about homeownership? Our mortgage options make buying or refinancing simple. We offer Junior Lien 1-4 Family Residential Properties loans totaling $65,738,147, ensuring that you'll have access to the funds needed for your dream home.

Unsecured Credit Card Loans

Managing everyday expenses can be challenging. 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 provide an easy way to cover costs while enjoying the benefits of rewards.

Loan Aggregator

Ensuring 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 means you can trust that the information you receive is not only current but also fair and transparent. Each loan offer is presented without hidden fees or misleading terms.

Key Benefits of Using LendMesh

- Verified Data: Loan offers are sourced from legitimate financial institutions, ensuring transparency. - No Sponsored Listings: LendMesh does not prioritize lenders based on paid promotions our goal is to provide unbiased results. - Real-Time Rate Comparisons: Up-to-date loan rates from multiple institutions help users make informed decisions. Thousands of users trust LendMesh for their loan comparisons. One member shared: "LendMesh helped me find a lower mortgage rate in minutes, saving me thousands over the loan term!" This feedback highlights how effective LendMesh can be in securing better financial outcomes for its users. Compare real-time loan offers today at LendMesh and find the best rates for your needs. Disclaimer: Loan approvals and interest rates are subject to creditworthiness, income verification, and applicable federal and state regulations. Rates may vary based on financial institution guidelines.

CLEARWATER FEDERAL CREDIT UNION