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Routing: 292977899

Credit Cards

What if your credit card worked hard to help you and your community thrive? At Clearwater Credit Union, it does. Every purchase you make generates income that we use to foster social, economic, and environmental change.

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Essential Visa Credit Card

This low-rate Visa Credit Card with no annual fee is an essential addition to your wallet. Enjoy the spending power of Visa and the peace of mind that comes from knowing it’s packed with benefits that include card controls, zero liability purchase protection, and identity theft protection.

  • Low rate
  • No annual or balance transfer fees
  • Same rate for purchases and cash advances
  • Fraud text alerts
  • Card controls

Apply Today

Essential Visa Credit Card

APR = Annual Percentage Rate. Rates effective as of

Term APR Min Amount Max Amount
Revolving 11.50% - 18.00% —— $20,000

APR varies with the Prime Rate as published in the Wall Street Journal. See Credit Card Disclosure for rates and terms. Payment example: Minimum payment of 2.00% of the outstanding balance, subject to a minimum of $25.00.

Secured Visa Credit Card

Enjoy the spending power of a Visa credit card while simultaneously building or rebuilding your credit. We’ll secure your credit card with funds you deposit into a Clearwater savings account.

  • Incredibly low rate
  • No annual fee or balance transfer fees
  • Same rate for purchases and cash advances
  • Fraud text alerts
  • Card controls

Apply Today

Secured Visa Credit Card

APR = Annual Percentage Rate. Rates effective as of

Term APR Min Amount Max Amount
Revolving 9.90% —— $20,000

APR is a fixed-rate for all borrowers. Minimum payment of 2.00% of the outstanding balance, subject to a minimum of $25.00.

Card Benefits

Both our Essential Visa and Visa Secured Credit Cards come with added benefits to help protect you and your purchases.

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Card Controls

Control where, when, and how you use your Clearwater debit or credit cards with Card Controls. This feature empowers you to manage your cards in real time.

  • Activate your cards and reset your PIN
  • Turn your cards on and off instantly from your PC, tablet, or mobile device
  • Setup transaction alerts to monitor fraud
  • Control geographic boundaries where your card can be used
  • Limit your spending amounts to reach budget goals
  • Restrict the types of purchases you or family members can make

You can set up and manage Card Controls via Clearwater Digital Branch. Log in from your PC, tablet, or mobile device and choose Main Menu > Manage Cards.

Visa Credit Card FAQs

What should I do if my card is lost or stolen?

If your card is lost or stolen or your card data has been compromised, please call 888-241-2510, and we’ll do our best to help protect you and your money.

How do I reset my credit card PIN?

Please log in to Clearwater Digital Branch and choose Manage Cards.

Where can I find a fee-free ATM?

All Clearwater ATMs are fee-free when you have a Clearwater account. Plus, as a member, you can also make deposits and withdraw cash surcharge-free at over 30,000 CO-OP Network ATMs nationwide.

Additional Resources

Credit Card Types and Terms

Explore the different credit card types available in today’s marketplace and key terms to know to make the best decision for you.
Read Article

Credit Card Management Tips

Watch this video to learn credit card management tips to help you control your financial life.
Watch Video

10 Things to Avoid Buying with a Credit Card

Sometimes, you can’t avoid it, but learn about the 10 things you should avoid buying with a credit card.
Read Article