Inclusive Banking Solutions

Banking options to help when you need it

As many as one in four Americans lack sufficient access to fair, honest financial services, and 7% of Americans do not have their own bank accounts. Clearwater offers a variety of services designed to help unbanked and underbanked Montanan’s build a brighter financial future.

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SmartSpend Account

Having trouble getting a traditional checking account? The way banks typically handle checking accounts doesn’t meet everyone’s needs. To address that, we developed SmartSpend: the checking account without checks, which lets you make deposits, carry a debit card, and cash your paychecks – all for only $5.00 a month.


In the online application, please write “Applying for a SmartSpend Account,” in the comments field.

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Credit Builder Loan

Looking to establish or rebuild your credit? Our Credit Builder Loan is a great option. When you take out a credit builder loan up to $1,000 – we deposit those funds into a savings account, and they are held until your loan is paid in full. Once you pay off your loan in full, we release the hold, and you have access to those funds. Now you have up to $1,000 in a savings account and 12 months of credit history.


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Secured VISA Credit Card

Working on building 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.


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Payday Alternative Loan (PAL)

Need a little cash to tide you over between paychecks but don’t want to take out a high-cost, high-risk payday loan? Avoid the predatory lending trap and save on fees and interest with a PAL. If you’re a credit union member, you can apply for $200-700, even if your credit isn’t great.


Community Impact Story

Smart accounts, smart business

How financial institutions can give “unbankable” people a way to get back in the game — and a place to belong.

Read more

Community Education

Interested in having a member of our Clearwater Team speak in your class, after-school program, or civic group?

We have a team of co-workers who can provide financial education and cover various real-world scenarios on a range of topics from saving, budgeting, loans, understanding and building credit, values-based banking, and more!

Email us or visit our contact form and select “Community Education” in the subject drop-down menu to get started. We’ll tailor our presentation to fit your time and needs.

Sign up for our upcoming Financial Literacy Series

We’re partnering with the Missoula Lifelong Learning Center to offer a collection of financial literacy courses. Learn how to apply for a loan, understand your credit, and improve your understanding of basic banking.

Financial Literacy Series: Banking Basics

October 6, 2021
6:00 PM – 7:30 PM  |  Dickinson LLC, 204

Do you have a bank account but don’t know how to navigate all the functions or know about all the features? Do you need a bank account but don’t know where to start?  Join Clearwater Credit union for this informative workshop that explores all you need to know for banking basics!

Financial Literacy Series: Understanding Credit

October 13, 2021
6:00 PM – 7:30 PM  |  Dickinson LLC, 204

Did you know many employers and rental agencies use your credit scores?  Bad credit can keep you from getting that dream job or a bigger rental.  There may be simple fixes or errors on your credit report that can be adjusted to increase your score, or you may need a longer-term strategy.  Having good credit will save you money on interest rates and make you eligible for new opportunities.

Financial Literacy Series: Applying for a Loan

October 20, 2021
6:00 PM – 7:30 PM  |  Dickinson LLC, 204

Do you need a loan, but don’t know where to start or denied for a loan but don’t know why?  Find out what documentation you need to apply for a loan and how to navigate the financial systems to get your loan approved.  If you have a low credit score please also enroll in the Understanding Credit class.

Financial Counseling for Members

Debra Casper is a Certified Financial Counselor. She received her certification from The Certified Credit Union Financial Counselor program and Credit Union National Association, Inc on March 15, 2007.

Debra has 15 years of experience in our lending department, where she’s gained experience with a variety of financial situations. Debra understands the stress and emotions that can come with tough financial decisions and works to create a safe, comfortable environment to help you work through them.

Call Debra at 406-523-3539

Email Debra to Make an Appointment

Take Control of Your Finances

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