Where your banking does more—fueling people, communities, and Montana’s future.
Clearwater Credit Union is a values-based banking institution, which means we prioritize member interests, transparency, long-term resilience, and sustainable economic development over profit maximization.
As a member, you benefit from responsible, ethical banking built around your needs—because our top priority is serving you.
You gain access to the tools, resources, guidance you need to be in control of your financial life
We welcome and support you—no matter your background—because we believe everyone should have an opportunity.
You’re part of something bigger—every deposit, payment and purchase you make helps drive positive social, economic, and environmental change in our community.
If you live, work, worship, attend school, volunteer, or are part of an organization in any of the counties highlighted in light blue on the map, you’re eligible to join. We’d love to welcome you.
Credit unions are not-for-profit financial cooperatives built to serve their members—not shareholders. That means every decision is made with people, not profit, at the center.
Instead of going to outside investors, earnings are reinvested back into members—through better rates, lower fees, improved services, and meaningful community impact.
Your deposits are federally insured by the National Credit Union Administration (NCUA) up to $250,000—providing the same level of protection as traditional banks.
Credit unions are member-owned and democratically governed. Every member has an equal vote—because every voice matters, regardless of account size.
Enjoy access to more than 30,000 surcharge-free ATMs nationwide, giving you convenient access to your money wherever you are.
Rooted in local communities, credit unions invest in the places they serve—supporting local businesses, nonprofits, and initiatives that help communities thrive.
When you join a credit union, you’re not just a customer—you’re an owner. That means your financial institution exists to serve you.
Clearwater’s personal savings accounts provide a secure way for you to save. You’ll earn a competitive interest rate while ensuring your savings align with socially responsible values.