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 with your Visa credit card generates income that we use to foster social, economic, and environmental change right here in Western Montana.
Choose the credit card that's right for you
Essential Visa Credit Card
Low rates and fewer fees
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
Secured Visa Credit Card
Build or repair your credit
Secure your Visa credit card with your savings account and get the convenience of a credit card with no annual fee. Applying for our Share-Secured Visa is a great way to start bringing that credit score up and avoid dipping into your savings.
Need to request a Credit Increase?
Are you looking to increase your spending power? If you already have a Clearwater Visa Credit Card you can now apply online for a credit increase.
Security to spend with confidence
Download CardNav for Security & Control
With our free CardNav app you get real-time control over your Clearwater Credit Union debit and credit cards through your smartphone or tablet.
CardNav adds another level of security to your cards by letting you decide how and when they can be used and alerting you when any types of transactions you specify take place. You can even use CardNav to:
- Control where, when, and how your cards are used
- Turn cards on and off instantly from your mobile device
- Limit spending amounts to reach budget goals
- Restrict types of purchases made
Download the free CardNav app, and gain a new level of security and control over your money today.
EMV Chip Card Security
Your Visa credit card comes equipped with EMV Chip Card Security, the first EMV chip-enabled card made locally available in Missoula. Whether your business travels take you to Florence, Montana, or Florence, Italy, you can rest assured that your card has this advanced security feature to protect it.
Traveling? Let us know
To protect your account, we keep your Visa card blocked in many countries by default. If you’re making a trip outside the U.S., use the form below to let us know where and when you’re traveling, and we’ll make sure you have access to your funds wherever the journey takes you.
Visa Rates
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APR2 |
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1 All loans subject to approval. Rates, terms, & conditions are subject to change and may vary based on creditworthiness, qualifications, & collateral conditions. The rates and terms shown are effective as of May 1, 2022. |
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APR2 9.90% |
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APR2 |
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1 All loans subject to approval. Rates, terms, & conditions are subject to change and may vary based on creditworthiness, qualifications, & collateral conditions. The rates and terms shown are effective as of September 19, 2024. |
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APR2 As low as 12.00% |
Get started
FAQ
If your card is lost or your card data compromised, we’ll do our best to protect you. Please notify us right away at 888-241-2510.
Here’s an ATM lookup where you can locate a surcharge-free ATM near you. There are almost 30,000 ATMs across the U.S. where you can use your Clearwater Credit Union card free of charge. That’s more than you’d get with a traditional bank!
Visit our Personal Checking page for details.