--- title: "Clearwater Credit Union Rates (Nov 2026): CDs to 4.15%" description: "Clearwater Credit Union rates today: savings & CDs up to 4.15% APY. Every rate verified daily from the official website — no pay-to-rank. See who can join Clearwater Credit Union — verified membership eligibility with the requirements and cost to join." canonical: "https://rateapi.dev/credit-unions/montana/clearwater" last-updated: "2026-11-13" source: "https://rateapi.dev/llms.txt" --- # Clearwater Credit Union Rates (Nov 2026): CDs to 4.15% ### Mortgage rates 2 offers | Product | Published | Rate | Term / condition | Status | | **Loan Terms (60 - 240 months)** other | — APR | 6.450% | — | Standard | | **Loan Terms (120 Months)** other | — APR | 6.900% | — | Standard | Clearwater Credit Union mortgage rates as of November 12, 2026 ### Auto & vehicle rates 15 offers | Product | Published | Rate | Term / condition | Status | | **New or Used Electric Vehicle Loan (36 Months)** auto_any_36mo | — APR | 5.240% | 36 mo · any | Standard | | **New or Used Electric Vehicle Loan (48 Months)** auto_any_48mo | — APR | 5.240% | 48 mo · any | Standard | | **New or Used Electric Vehicle Loan (60 Months)** auto_any_60mo | — APR | 5.240% | 60 mo · any | Standard | | **New or Used Electric Vehicle Loan (72 Months)** auto_any_72mo | — APR | 5.240% | 72 mo · any | Standard | | **New or Used Electric Vehicle Loan (84 Months)** auto_any_84mo | — APR | 5.990% | 84 mo · any | Standard | | **New or Used Vehicle Loan (60 Months)** auto_any_60mo | — APR | 6.240% | 60 mo · any | Standard | | **New or Used Vehicle Loan (36 Months)** auto_any_36mo | — APR | 6.240% | 36 mo · any | Standard | | **New or Used Vehicle Loan (48 Months)** auto_any_48mo | — APR | 6.240% | 48 mo · any | Standard | | **New or Used Vehicle Loan (72 Months)** auto_any_72mo | — APR | 6.240% | 72 mo · any | Standard | | **New or Used Vehicle Loan (84 Months)** auto_any_84mo | — APR | 6.990% | 84 mo · any | Standard | | **RV Loan / Boat Loan (120 Months)** rv_any_120mo | — APR | 7.500% | 120 mo | Standard | | **RV Loan / Boat Loan (180 Months)** rv_any_180mo | — APR | 7.500% | 180 mo | Standard | | **RV Loan / Boat Loan (36 Months)** rv_any_36mo | — APR | 7.500% | 36 mo | Standard | | **RV Loan / Boat Loan (48 Months)** rv_any_48mo | — APR | 7.500% | 48 mo | Standard | | **RV Loan / Boat Loan (60 Months)** rv_any_60mo | — APR | 7.500% | 60 mo | Standard | Clearwater Credit Union auto & vehicle rates as of November 12, 2026 ### Personal loan rates 6 offers | Product | Published | Rate | Term / condition | Status | | **36-Month Signature Loan** personal_unsecured_36mo | — APR | 8.750% | 36 mo | Context only | | **48-Month Signature Loan** personal_unsecured_48mo | — APR | 9.500% | 48 mo | Context only | | **60-Month Signature Loan** personal_unsecured_60mo | — APR | 10.250% | 60 mo | Context only | | **72-Month Signature Loan** personal_unsecured_72mo | — APR | 10.750% | 72 mo | Context only | | **Personal Line of Credit (Revolving)** ploc_variable | — APR | 12.250% | — | Context only | | **Payday Alternative Loan (PAL) (5 Months)** personal_unsecured_5mo | — APR | 28.000% | 5 mo | Context only | Clearwater Credit Union personal loan rates as of November 12, 2026 ### Savings & CD rates 17 offers | Product | Published | Rate | Term / condition | Status | | **Daily** savings | — APY | 0.05% | — | Context only | | **IRA** ira | 0.05% APY | 0.05% | — | Standard | | **6-Month Certificate** cd_6mo | — APY | 3.73% | 6 mo | Standard | | **6-Month IRA Certificate** ira_cd_6mo | 3.80% APY | 3.73% | 6 mo | Standard | | **12-Month Certificate** cd_12mo | — APY | 3.83% | 12 mo | Standard | | **12-Month IRA Certificate** ira_cd_12mo | 3.90% APY | 3.83% | 12 mo | Standard | | **36-Month IRA Certificate** ira_cd_36mo | 4.15% APY | 4.07% | 36 mo | Standard | | **60-Month IRA Certificate** ira_cd_60mo | 4.15% APY | 4.07% | 60 mo | Standard | | **48-Month IRA Certificate** ira_cd_48mo | 4.15% APY | 4.07% | 48 mo | Standard | | **24-Month IRA Certificate** ira_cd_24mo | 4.15% APY | 4.07% | 24 mo | Standard | | **SmartSaver Youth** savings | — APY | 4.89% | — | Eligibility restricted | | **18-Month Certificate** cd_18mo | — APY | 5.00% | 18 mo | Context only | | **60-Month Certificate** cd_60mo | — APY | 5.24% | 60 mo | Standard | | **72-Month Certificate** cd_72mo | — APY | 5.24% | 72 mo | Standard | | **36-Month Certificate** cd_36mo | — APY | 5.24% | 36 mo | Standard | | **48-Month Certificate** cd_48mo | — APY | 5.24% | 48 mo | Standard | | **84-Month Certificate** cd_84mo | — APY | 5.99% | 84 mo | Standard | Clearwater Credit Union savings & cd rates as of November 12, 2026 ### Other rates 10 offers | Product | Published | Rate | Term / condition | Status | | **24-Month Energy Resilience** other | — % | 4.070% | — | Standard | | **Computer Loan (18 Months)** other | — % | 5.000% | — | Context only | | **Max of 72 months** other | — % | 5.000% | — | Context only | | **E-Bike Loan (Max of 72 months)** other | — % | 5.000% | — | Context only | | **Bike Loan (18 Months)** other | — % | 5.000% | — | Context only | | **Motorsport/UCC Loan (48 Months)** other | — % | 9.750% | — | Context only | | **Motorsport/UCC Loan (36 Months)** other | — % | 9.750% | — | Context only | | **Motorsport/UCC Loan (72 Months)** other | — % | 9.750% | — | Context only | | **Motorsport/UCC Loan (60 Months)** other | — % | 9.750% | — | Context only | | **Revolving** other | — % | 9.900% | — | Standard | Clearwater Credit Union other rates as of November 12, 2026 Savings and certificate yields up to 4.15% APY. > Source: [RateAPI.dev](https://rateapi.dev/credit-unions/montana/clearwater) , verified from [Clearwater Credit Union's official website](https://clearwatercreditunion.org/) Loading branch locator… ## About Clearwater Credit Union Institution facts reported to the National Credit Union Administration for Invalid Date. Members 67.2K Assets $1.2B Founded 1956 Locations reported 11 NCUA charter 11300 Charter type Federal credit union ### Services and member support - Online membership application - Online loan application - Open an account online - Electronic statements - Mobile check deposit - Mobile payments - Financial counseling - Financial education - First-time homebuyer program - Bilingual services - Student scholarships - Credit-builder products - Payday Alternative Loans I Source: [NCUA quarterly call report](https://ncua.gov/analysis/credit-union-corporate-call-report-data/quarterly-data) . Services are institution-reported; confirm availability with the credit union. ### Other credit unions with branches nearby Compare membership, services, and rates from other institutions with an NCUA-reported branch nearby. [**Whitefish Credit Union Association** Whitefish Credit Union - Missoula Office · Missoula · MT · 59801-5636 About 0.4 miles away](https://rateapi.dev/credit-unions/montana/whitefish-credit-union-association) [**Montana Educators'** Main Office · Missoula · MT · 59801-6658 About 0.4 miles away](https://rateapi.dev/credit-unions/montana/montana-educators) [**Horizon** Brooks Branch · Missoula · MT · 59801-7811 About 0.6 miles away](https://rateapi.dev/credit-unions/washington/horizon) [**Park Side Financial** West Broadway · Missoula · MT · 59802 About 1.4 miles away](https://rateapi.dev/credit-unions/montana/park-side-financial) [**St. Pats Employees** St. Pat's Employees Federal Credit Union · Missoula · MT · 59802-4008 About 1.4 miles away](https://rateapi.dev/credit-unions/montana/st-pats-employees) [**Mountain America** 0167 Missoula Reserve St · Missoula · MT · 59808 About 2.9 miles away](https://rateapi.dev/credit-unions/utah/mountain-america) Nearest-first estimates use the center of your Census ZIP area and NCUA-reported branch locations. Distances are straight-line estimates, not driving distance. ## Who Can Join Clearwater Credit Union Membership eligibility from Clearwater Credit Union's own published criteria. [How we verify this](https://rateapi.dev/eligibility-methodology) . Membership criteria are published on Clearwater Credit Union's website. Check the membership page below to confirm whether you qualify. - Location Cascade, Gallatin, Lewis and Clark, Missoula, Ravalli, Silver Bow — MT Verified from [Clearwater Credit Union's membership page](https://clearwatercreditunion.org/) . Final membership determination is always made by the credit union. ## Membership rules for Clearwater Credit Union Geography 6 counties 6 published paths to membership, last verified August 5, 2026, from NCUA regulator charter records. ### Geography 6 Auto-verified against the source page from NCUA regulator charter records · last verified August 5, 2026 - Cascade County, MT - Gallatin County, MT - Lewis And Clark County, MT - Missoula County, MT - Ravalli County, MT - Silver Bow County, MT “NCUA call report 2026-03-31: TOM_CODE=66 (community charter); branch footprint: Cascade County, MT; Gallatin County, MT; Lewis And Clark County, MT; Missoula County, MT; Ravalli County, MT; Silver Bow County, MT” > [source ↗](https://ncua.gov/analysis/credit-union-corporate-call-report-data/quarterly-data) Every rule cites the exact sentence it came from; absence of evidence means unknown, never no. [How we verify membership rules](https://rateapi.dev/eligibility-methodology) . Final membership determination is always made by the credit union. Is this right for Clearwater Credit Union? Yes No ## Work at Clearwater Credit Union? This page is seen by prospective members comparing rates — and by the AI assistants they ask. Claim this profile to correct or update rates, add missing products, and get your free rate scorecard showing where Clearwater Credit Union ranks against Montana peers. - See which AI assistants fetched Clearwater Credit Union’s rates, and how often - See which of your products the RateAPI API returned, and where you rank in Montana - Correct anything we publish about you that is wrong [Claim this credit union](https://rateapi.dev/for-credit-unions/claim?cu=clearwater&state=montana&code=MT&name=Clearwater%20Credit%20Union) [How scorecards work](https://rateapi.dev/for-credit-unions) ## Frequently Asked Questions ### What rates does Clearwater Credit Union offer? Clearwater Credit Union currently offers mortgage, vehicle loan, and personal loan rates. The rates shown on this page were last verified November 12, 2026 directly from the credit union's official website. ### How often are Clearwater Credit Union rates updated? RateAPI verifies Clearwater Credit Union's rates daily by scraping its official website, then normalizing the data. The figures on this page were last verified November 12, 2026. ### Where does RateAPI get Clearwater Credit Union's rate data? Rate data is collected directly from Clearwater Credit Union's official website. RateAPI has no pay-to-rank incentives; see the methodology page for how rates are collected and normalized. ### What is Clearwater Credit Union's best CD rate? As of November 12, 2026, Clearwater Credit Union offers savings and certificate (CD) yields up to 4.15% APY. ### Who can join Clearwater Credit Union? Clearwater Credit Union publishes its membership criteria on its own website. RateAPI tracks 6 published membership paths covering 6 counties for Clearwater Credit Union, each quoted from NCUA charter records. ## Related Rate Data Compare Clearwater Credit Union's rates against national credit-union benchmarks. [More Montana credit unions](https://rateapi.dev/credit-unions/montana) [Montana mortgage rate leaders](https://rateapi.dev/mortgage-rates/montana) [Montana auto loan rate leaders](https://rateapi.dev/auto-loan-rates/montana) [Montana personal loan leaders](https://rateapi.dev/personal-loan-rates/montana) [Mortgage rate benchmark](https://rateapi.dev/mortgage-rate-benchmark) [Auto loan rate benchmark](https://rateapi.dev/auto-loan-rate-benchmark) [How we verify rates](https://rateapi.dev/methodology) ### Source Information Rate data is scraped directly from the credit union's official website and verified daily by our automated systems. [View Original Source](https://clearwatercreditunion.org/) ### Methodology Learn how we collect, normalize, and verify rate data with full transparency and no pay-to-rank incentives. [View Methodology](https://rateapi.dev/methodology) ## Track Clearwater Credit Union rates Get a free API key to query these rates programmatically, or get the daily email when Montana credit union rates move. Get a free API key [Daily rate email](https://rateapi.dev/daily-rate-emails) ## Use it via API Access this data programmatically with our REST API terminal ``` # Get rates for Clearwater Credit Union curl "https://api.rateapi.dev/credit-unions/montana /clearwater " \ -H "Authorization : Bearer YOUR_API_KEY" ``` [Explore API Documentation](https://api.rateapi.dev/) [Use with Claude](https://rateapi.dev/#mcp) Branch locator ## Clearwater Credit Union locations Search, filter, and browse all 11 NCUA-reported locations. Use my location Search branches Apply Sort near a ZIP **Loading branches…** Branch services ATM Drive-through Member services Shared branch Skip to main content --- Source: https://rateapi.dev/credit-unions/montana/clearwater Rate data API: https://api.rateapi.dev · OpenAPI: https://api.rateapi.dev/openapi.json · MCP: https://mcp.rateapi.dev/mcp