Grow your savings safely and securely with a Clearwater Certificate of Deposit (CD). While your savings earn interest over time, we’ll put your funds to work by sparking social, economic, and environmental change.
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Clearwater’s Certificates of Deposit (CDs) are a great choice if you do not need immediate access to your funds and want to earn a secure, guaranteed rate of return.
APY = Annual Percentage Yield. Rates effective as of
| CD | Min | Max | APY | Rate | Interest Accrues | Dividends Paid |
|---|---|---|---|---|---|---|
| 6-Month | $100 | —— | 4.50% | 4.41% | Daily | Monthly |
| 12-Month | $100 | —— | 4.00% | 3.93% | Daily | Monthly |
| 24-Month | $100 | —— | 3.20% | 3.15% | Daily | Monthly |
| 24-Month Clean Energy | $100 | —— | 3.20% | 3.15% | Daily | Monthly |
| 36-Month | $100 | —— | 3.00% | 2.96% | Daily | Monthly |
| 48-Month | $100 | —— | 3.00% | 2.96% | Daily | Monthly |
| 60-Month | $100 | —— | 3.00% | 2.96% | Daily | Monthly |
| SmartSaver Youth¹ | $100 | $1,000 | 5.00% | 4.89% | Daily | Monthly |
Early withdrawal penalties may apply to all CDs. Fees may reduce earnings.
Make a positive impact with your deposits with Clearwater’s 24-month Clean Energy CD. While you earn a competitive interest rate, we’ll pool Clean Energy CD funds to help Montana homeowners and businesses finance clean energy solutions.
APY = Annual Percentage Yield. Rates effective as of
| CD | Min | Max | APY | Rate | Interest Accrues | Dividends Paid |
|---|---|---|---|---|---|---|
| 6-Month | $100 | —— | 4.50% | 4.41% | Daily | Monthly |
| 12-Month | $100 | —— | 4.00% | 3.93% | Daily | Monthly |
| 24-Month | $100 | —— | 3.20% | 3.15% | Daily | Monthly |
| 24-Month Clean Energy | $100 | —— | 3.20% | 3.15% | Daily | Monthly |
| 36-Month | $100 | —— | 3.00% | 2.96% | Daily | Monthly |
| 48-Month | $100 | —— | 3.00% | 2.96% | Daily | Monthly |
| 60-Month | $100 | —— | 3.00% | 2.96% | Daily | Monthly |
| SmartSaver Youth¹ | $100 | $1,000 | 5.00% | 4.89% | Daily | Monthly |
Early withdrawal penalties may apply to all CDs. Fees may reduce earnings.
Help the young people in your life reach their savings goals with a Youth Certificate of Deposit (CD). You’ll enjoy the low minimum opening deposit and the ability to add funds in $100 increments up to $500 monthly.
Teach your youth the value of building savings over time with our SmartSaver CD. Regardless of the balance, this CD pays 5.00% APY when you leave the funds untouched until the youth’s 18th birthday.
APY = Annual Percentage Yield. Rates effective as of
| CD | Min | Max | APY | Rate | Interest Accrues | Dividends Paid |
|---|---|---|---|---|---|---|
| 6-Month | $100 | —— | 4.50% | 4.41% | Daily | Monthly |
| 12-Month | $100 | —— | 4.00% | 3.93% | Daily | Monthly |
| 24-Month | $100 | —— | 3.20% | 3.15% | Daily | Monthly |
| 24-Month Clean Energy | $100 | —— | 3.20% | 3.15% | Daily | Monthly |
| 36-Month | $100 | —— | 3.00% | 2.96% | Daily | Monthly |
| 48-Month | $100 | —— | 3.00% | 2.96% | Daily | Monthly |
| 60-Month | $100 | —— | 3.00% | 2.96% | Daily | Monthly |
| SmartSaver Youth¹ | $100 | $1,000 | 5.00% | 4.89% | Daily | Monthly |
Early withdrawal penalties may apply to all CDs. Fees may reduce earnings.
A CD is a type of savings account. Imagine a lockbox with a timer in which you put your money, set the timer, and wait. When the term ends, you can roll over your CD to a new term or withdraw your money, along with all the interest it’s accumulated. CDs typically earn more interest than a standard savings account, so your money grows faster. However, there is usually an early withdrawal penalty if you withdraw your funds before your term expires.
Yes, your accounts are federally insured to at least $250,000 by the NCUA.
To open your account, please have the following items ready: