Photo of a woman checking out at a store, using contactless payment while the clerk smiles at her over the counter.

Reward yourself with a balance transfer to a better credit card.

Visit a branch or contact us today!

No transfer fees. Great rates. Local service.

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No Annual Fee

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1.90% APR* on Balance Transfers for 12 Months

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0 Balance Transfer Fees

At Clearwater, we believe the ultimate reward is more money in your wallet. Transfer your other credit card balances to your Clearwater Credit Card and get 1.90% APR* for 12 months.

For Clearwater members who already have a Clearwater Credit Card – simply call us at (406) 523-3300 or visit a Clearwater branch and start your balance transfer today. Balance transfers must be received by March 20, 2022

Visa credit card benefits

Use your Visa to shop local, online, or on the road, protect your security, travel smart, and build credit.

  • No annual fee
  • No fee for balance transfers
  • Low international fee (1%)
  • Rental car collision coverage
  • Interest rates as low as 7.90% APR*
  • Secure EMV Chip-Enabled Card
  • Added security with free CardNav app
Photo of a customer using her credit card with a card reader in a store.

VISA Credit Card Rates

Visa Credit Card1

Minimum APR2 Maximum APR2
1 All loans subject to approval. Rates, terms, & conditions are subject to change and may vary based on creditworthiness, qualifications, & collateral conditions.
2 APR = Annual Percentage Rate.The rates and terms shown are effective as of November 26, 2018.
7.90% 16.90%


View Disclosures

*APR = Annual Percentage Rate. All loans subject to credit approval, rate based on credit. Balance transfers may not be used to pay any Clearwater accounts. Balance transfers must be received by March 20, 2022.

Federally Insured by NCUA.