It’s simple, really. We offer different lending products to answer different needs — helping you make ends meet, check off items on your bucket list, or finance that new solar energy project.
Personal Loan Options
Unsecured Personal Loan
Get the loan you want — even with no collateral to secure it. Unsecured loans have a higher interest rate, but can be easier to get and have no prepayment penalties.
Secured Personal Loan
Do you have funds in your Clearwater Credit Union savings share or certificate? You can borrow up to 100% of the amount in your account.
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? Save yourself lots of money in fees and interest with a P.A.L., available in amounts of $200-$1000.
Personal Line of Credit
Protect yourself from the occasional overdraft or unplanned expense with this revolving line of credit, which provides access to money when you need it, and an interest-free zero balance when you don’t.
Solar Energy Loan
We have two options for you: the Solar Home Equity Loan and the Unsecured Solar Loan. Lower your utility bill, offset your carbon emissions, and enjoy 90 days before your first payment.
SwiftNote In-store Financing
SwiftNote connects you to financing right in the store or office, so it’s easier to purchase what you want when you want it. Use SwiftNote at any participating merchant, including medical providers, retailers, service providers and more.
Computer & Bicycle Loans
Whether you’re working from home, furthering your education, or starting a new job, we can help make sure you have the tools you need to succeed. Finance your computer or bicycle up to $3,500.
Essential Visa Credit Card
With no annual fee, no promotional teases, and rates as low as 12.50% APR*, our Essential Visa Credit Card is an honest bargain.
Looking to build credit? Apply for our share-secured Visa, and start bringing that credit score up.
*APR = Annual Percentage Rate
Apply for a credit card|
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 March 1, 2020. |
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APR2 As low as 12.50% |
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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% |
Loan Rates
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Loan Type |
APR as low as2 |
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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 July 1, 2024. |
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Loan Type Unsecured |
APR as low as2 9.25% |
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Loan Type Personal Line of Credit |
APR as low as2 7.90% |
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Loan Type Payday Alternative Loan |
APR as low as2 28.00% |
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Loan Type Credit Builder Loan |
APR as low as2 3.00% above savings rate |
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Loan Type Certificate Secured |
APR as low as2 3.00% above certificate rate |
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Loan Type Share Secured |
APR as low as2 3.00% above savings rate |
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Loan Type Home Solar Unsecured Loan3 |
APR as low as2 7.25% (240 months4) |
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Loan Type Energy Efficiency Loan5 |
APR as low as2 6.90% (120 months6) |
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Loan Type Computer Loan |
APR as low as2 5.00% (18 months7) |
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Loan Type Bicycle Loan |
APR as low as2 5.00% (18 months7) |
Apply for a Loan
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.
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.
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.
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.
Yes, send your payments to:
Clearwater Credit Union
Attention: Universal Associate
3600 Brooks Street
Missoula, MT 59801