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 2017, we donated 7.5% of our net income to non-profit organizations.

$304,838

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

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)

Open an Account

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. The rates and terms shown are effective as of September 1, 2023.
Term 6 months	Dividend Rate 4.41%	APY² 4.50%
Term 12 months	Dividend Rate 3.20%	APY² 3.25%
Term 24 months	Dividend Rate 2.96%	APY² 3.00%
Term 36 months	Dividend Rate 2.72%	APY² 2.75%
Term 48 months	Dividend Rate 2.47%	APY² 2.50%
Term 60 months	Dividend Rate 2.47%	APY² 2.50%

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)

Open account

Image of coworker helping a member at a teller station.

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

Join Today

Apply Online

Ask a Question

(406) 523-3300

Send a message

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.