Consolidation Loans

A fresh start
starts here

Want a clean slate? We offer a variety of products to help you consolidate your debt and create a new beginning. Talk to us about which option works best for your needs.

Loan options

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Unsecured Loans

If you don’t have collateral to secure a personal loan, but you want one monthly payment with a single (lower) interest rate, this option may be a fit.

  • No collateral required
  • We service it in-house
  • Easier to get, but rates are higher

Apply for an unsecured loan

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Secured Loans

Do you have funds in your Clearwater Credit Union savings share or certificate? Consider a Secured Loan. You can borrow up to 100% of the amount in your account. Don’t hesitate to reach out if you have questions.

Apply for a secured loan

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Home Equity Line of Credit

A Home Equity Line of Credit (HELOC) is a line of credit with spending limits based on the value of your home. If you want access to funds while paying interest only on what you spend, a HELOC could be a good choice.

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Home Equity Loan

Like a HELOC, a Home Equity Loan is based on the value of your home — but unlike a HELOC, it’s paid out in one lump sum at a fixed interest rate. This loan can be a useful consolidation tool if you know exactly how much you need to pay down your debt.

Free Financial Counseling

Learn how to build a better budget, navigate financial issues, and find solutions in times of stress. Welcome to the free member service that gives you the tools to take control.

Learn about financial counseling

Apply for a Loan

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Contact Us
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Get Started
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Ask a Question

My Loan — Ways to Pay

Yes. If you’re enrolled in Direct Deposit, you can authorize our credit union to deduct your loan payment right from your paycheck.

Contact us to get started

Yes, we call that a Periodic Payment. You can authorize our credit union to transfer your loan payment directly from your savings or checking account on a weekly, semi-monthly, or monthly basis — whatever works best for you.

Contact us to get started

Yes, you can make an online payment whenever it’s convenient for you — and if you download our mobile app, you can also make payments from your smartphone or tablet.

Sign up for digital banking

Yes, our Voice Response Teller is available 24 hours a day, so you can transfer your loan payment from any touch-tone phone. Just call 406-523-3311 or 1-800-254-1803.

Yes, we have night drop boxes at our branches for just this purpose. Your transaction will be processed on the next business day.

Find a location

Yes, send your payments to:

Clearwater Credit Union
Attention: Tellers
3600 Brooks Street
Missoula, MT 59801