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.
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 impactHelp me choose
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Best if you want
Best if you want
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Opening Deposit
Opening Deposit
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Minimum Balance
Minimum Balance
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Monthly Dividends
Monthly Dividends
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Monthly Fee
Monthly Fee
Primary Savings Account
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Best if you want
Start saving with our Primary Savings account — all our members have one
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Opening Deposit
$5
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Minimum Balance
$5
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Monthly Dividends
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Monthly Fee
$0
V.I.P Savings Account
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Best if you want
Our “Very Important Purchase” account helps you save for something special
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Opening Deposit
$5
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Minimum Balance
$5
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Monthly Dividends
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Monthly Fee
$0
Money Market Account
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Best if you want
Earn greater dividends from the account designed for the higher-balance saver
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Opening Deposit
$1,500
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Minimum Balance
$1,500
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Monthly Dividends
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Monthly Fee
$5 (if balance falls below min)
Certificate of Deposit
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Best if you want
Grow your savings faster with a Certificate of Deposit.
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Opening Deposit
$100
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Minimum Balance
$100
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Monthly Dividends
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Monthly Fee
$0 (early withdrawal penalty applies)
Savings account rates
Deposit Amount |
Dividend Rate |
APY1 |
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1 APY = Annual Percentage Yield. The rates and terms shown are effective as of December 22, 2018. |
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Deposit Amount $5+ |
Dividend Rate 0.05% |
APY1 0.05% |
Deposit Amount |
Dividend Rate |
APY2 |
---|---|---|
1 $250 max. dep/mo. Dividends earned on portion of balance. The rates and terms shown are effective as of November 01, 2022. |
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Deposit Amount $5-2500 |
Dividend Rate 0.50% |
APY2 0.50% |
Deposit Amount $2500+ |
Dividend Rate 0.05% |
APY2 0.05% |
Term |
Dividend Rate |
APY2 |
---|---|---|
1 $100 Minimum to Open. The rates and terms shown are effective as of September 1, 2023. |
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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% |
Deposit Amount |
Dividend Rate |
APY3 |
---|---|---|
1 $5 Monthly Fee if Below Minimum. The rates and terms shown are effective as of May 4, 2023. |
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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% |
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)
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 moreGet started saving
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.