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Pathway Banking

Build a clear path to a bright financial future.

Pathway Banking is best for those who have difficulty qualifying for traditional bank accounts or loans.

MANAGE MONEY

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SmartSpend Checking Account

Easily access, manage, and monitor your money.

No minimum balance, unlimited debit card transactions, and fee-free ATM transactions at over 30,000 ATMs nationwide. All for just $5 a month.

OPEN ACCOUNT

Please write “Applying for SmartSpend” in the Comments
field of your online application.

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V.I.P. Savings Account

Save for annual expenses, like vacation or holiday spending, while earning a higher interest rate. Deposit up to $250 monthly to a max of $$2,500 annually, and we’ll hold your funds until a future date of your choosing, up to 12 months.

START SAVING

(RE)BUILD YOUR CREDIT

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Payday Alternative Loans (PAL)

Get a little extra to hold you over to the next payday while avoiding the high rates and fees of payday lenders. If you’ve been a Clearwater member for at least 90 days and have 90 days of continuous income, you can apply for $200 – $1,000 even if your credit isn’t great.

APPLY TODAY

All loans are subject to approval.

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Credit Builder Loan

Our Credit Builder Loan helps you build or rebuild your credit. Apply for a loan up to $1,000 for 12 months and we’ll deposit the funds into a savings account and hold them until you pay off the loan in full. Once fully paid, we release funds and you have up to $1,000 in a savings account and 12 months of credit history.

APPLY TODAY

All loans are subject to approval.

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Secure Visa Credit Card

Build your credit and enjoy the spending power of a Visa card with an amount equal to your credit limit held in a Clearwater savings account. Our Secured Visa is a great way to boost your credit score and avoid dipping into your savings. All for no annual fee.

APPLY TODAY

All loans are subject to approval.

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AutoBoost Auto Loan

Whether you’re buying a new or used vehicle, this is the auto loan for people with credit challenges. It’s available only at approved, local dealerships and requires six months of continuous employment and a 10% cash down payment to qualify.

ASK FOR AUTOBOOST AT LOCAL DEALERS

All loans subject to approval.

Build Money Skills

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Financial Counseling

Take control of your debt and your financial future with help from one of our Certified Financial Counselors. As a Clearwater member, you have access to free financial counseling that can help you build a workable budget and learn how to navigate financial challenges.

Make an Appointment

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Financial Education

Build your money skills with our free, on-demand financial education resources. With topics covering everything from budgeting and borrowing to taxes, retirement, investing, and more, our online Education Center helps you boost your financial savvy on your own time at your own pace..

Learn More

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
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