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Personal Savings

Saving money, making change

Money is power, and where you do your banking makes a difference. At Clearwater Credit Union, we’re committed to using our resources to spark social, economic, and environmental change.

Community giving

In 2023, we donated 5% of our Net Income to 185 non-profit organizations.

$564,000
Donated

Environmental impact

By measuring the energy and water we use, and then working to use less of it in our daily operations, we’re reducing our environmental impact and, we hope, encouraging others to follow our example too. When you bank with us, you’re making change happen.

Read about our impact
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Help me choose

  • Best if you want

    Best if you want

  • Opening Deposit

    Opening Deposit

  • Minimum Balance

    Minimum Balance

  • Monthly Dividends

    Monthly Dividends

  • Monthly Fee

    Monthly Fee

Primary Savings Account

  • Best if you want

    Start saving with our Primary Savings account — all our members have one

  • Opening Deposit

    $5

  • Minimum Balance

    $5

  • Monthly Dividends

  • Monthly Fee

    $0

V.I.P Savings Account

  • Best if you want

    Our “Very Important Purchase” account helps you save for something special

  • Opening Deposit

    $5

  • Minimum Balance

    $5

  • Monthly Dividends

  • Monthly Fee

    $0

Money Market Account

  • Best if you want

    Earn greater dividends from the account designed for the higher-balance saver

  • Opening Deposit

    $1,500

  • Minimum Balance

    $1,500

  • Monthly Dividends

  • Monthly Fee

    $5 (if balance falls below min)

Certificate of Deposit

  • Best if you want

    Grow your savings faster with a Certificate of Deposit.

  • Opening Deposit

    $100

  • Minimum Balance

    $100

  • Monthly Dividends

  • Monthly Fee

    $0 (early withdrawal penalty applies)

Savings account rates

Primary Savings
Primary Savings

Deposit Amount

Dividend Rate

APY1

1 APY = Annual Percentage Yield.

The rates and terms shown are effective as of December 22, 2018.

Deposit Amount

$5

Dividend Rate

0.05%

APY1

0.05%

 

VIP Savings1
VIP Savings1

Deposit Amount

Dividend Rate

APY2

1 $250 max. dep/mo. Dividends earned on portion of balance.
2 APY = Annual Percentage Yield.

The rates and terms shown are effective as of November 01, 2022.

Deposit Amount

$5-2500

Dividend Rate

0.50%

APY2

0.50%

Deposit Amount

$2500

Dividend Rate

0.05%

APY2

0.05%

Certificates of Deposit1
Certificates of Deposit1

Term

Dividend Rate

APY2

1 $100 Minimum to Open.
2 APY = Annual Percentage Yield. Fees may reduce earnings. Early withdrawal penalties may apply to certificate accounts.
3 Funds in this CD help local homeowners and businesses finance clean energy solutions.

The rates and terms shown are effective as of July 3, 2024.

Term

6 months

Dividend Rate

4.89%

APY2

5.00%

Term

12 months

Dividend Rate

4.46%

APY2

4.55%

Term

24 months

Dividend Rate

4.12%

APY2

4.20%

Term

24 months Clean Energy CD3

Dividend Rate

4.12%

APY2

4.20%

Term

36 months

Dividend Rate

3.69%

APY2

3.75%

Term

48 months

Dividend Rate

3.64%

APY2

3.70%

Term

60 months

Dividend Rate

3.54%

APY2

3.60%

Tiered Money Market1
Tiered Money Market1

Deposit Amount

Dividend Rate

APY3

1 $5 Monthly Fee if Below Minimum.
2 $1500 Minimum. Dividends earned on entire balance.
3 APY = Annual Percentage Yield.

The rates and terms shown are effective as of May 4, 2023.

Deposit Amount

$0-$50,000

Dividend Rate

1.49%

APY3

1.50%

Deposit Amount

$50,000-$100,000

Dividend Rate

1.74%

APY3

1.75%

Deposit Amount

$100,000

Dividend Rate

1.98%

APY3

2.00%

See all savings rates

Open your account

To open a savings account, please have the following items ready:

  • Photo ID, such as a valid driver license, state ID, passport, or permanent residence card (you may be asked to provide more than one photo ID to confirm your identity)
  • Social Security Number (we use this to identify you and to look up your checking account history)
  • Opening deposit for the type of account you want to open (different accounts require different opening deposit amounts)

Join Today

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Help your child save

Jump start your child’s savings while teaching smart skills for money management. Our SmartSaver Youth Certificate makes it easy, with a minimum balance of $100 and 5.00% APY.

Learn more
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Get started saving

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Ask a Question
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Contact Us

FAQ

Yes, your accounts with us are federally insured to at least $250,000 by the NCUA.

It’s a type of savings account. Imagine a lockbox with a timer: you put your money in, set the timer and wait. When the term ends, you get to withdraw your money, along with all the interest it’s accumulated. Term certificates typically earn more interest than a standard savings account, so your money grows faster.

Yes, we partner with Corebridge Financial, in order to provide our members with financial planning, investment, and insurance services that complement traditional credit union products and services. There are licensed Corebridge Financial representatives with offices at Clearwater branches. To make an appointment for a no-cost consultation, please call 406-523-3300.