Credit union · NCUA insured
Clearwater Credit Union
A $1.2B credit union, the 422nd largest of 4,329, headquartered in Missoula, MT, with 67,211 members and 9 branches in Montana. Best rates: CDs 4.00% and savings 1.00% APY.
Clearwater Credit Union Carrot Score
84
Carrot Score
Higher than 64% of U.S. banks and credit unions
#4 of 11 in Missoula, MT metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About Clearwater Credit Union
Founded in 1956 as Missoula Federal Credit Union, Clearwater Credit Union is headquartered in Missoula, Montana.
Operating as Montana's largest Community Development Financial Institution, the credit union serves a membership area covering 37 counties across Western and Central Montana.
- Headquarters
- 3600 Brooks St, Missoula, MT 59801
- NCUA charter
- 11300
Membership
Who can join
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Individuals who live, work, worship, attend school, volunteer, or participate in a membership-based organization in one of 37 specified Montana counties are eligible to join.
Branches
9 branches in Montana
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Montana
9 branches
Missoula area · 5
- Clearwater - DT126 W Spruce St, Missoula, MT 59802Directions
- Clearwater - RS2610 N Reserve St, Missoula, MT 59808Directions
- Clearwater - RUS1775 S Russell St, Missoula, MT 59801Directions
- Clearwater - SS Retail2237 34th st, Missoula, MT 59801Directions
- Clearwater - UMFirst Level University Ctr, Missoula, MT 59812Directions
Bozeman area · 1
- Clearwater - Bozeman Downtown5 W Mendenhall St, Bozeman, MT 59715Directions
Butte area · 1
- Clearwater - Butte Main200 N Main St, Butte, MT 59701Directions
Great Falls area · 1
- Clearwater - Great Falls 5th Ave111 5th St N, Great Falls, MT 59401Directions
Stevensville area · 1
- Clearwater - SV107 Main St, Stevensville, MT 59870Directions
Walk-in offices from the NCUA directory as of March 31, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
| Measure | This credit union | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalNet worth ratio | 12.83% | 10.86% | 12.59% or more |
| Troubled loans60+ days late | 0.67% | 0.70% | 0.46% or less |
| ProfitabilityReturn on assets | 1.14% | 0.82% | 1.16% or more |
| LendingLoans per $100 deposited | $89 | $88 | — |
- CapitalNet worth ratio12.83%Peers’ middle 10.86% · Top 25% 12.59%+
- Troubled loans60+ days late0.67%Peers’ middle 0.70% · Top 25% ≤0.46%
- ProfitabilityReturn on assets1.14%Peers’ middle 0.82% · Top 25% 1.16%+
- LendingLoans per $100 deposited$89Peers’ middle $88
Compared with the 479 credit unions with $1 billion or more in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are loans 60 or more days late.
Regulators’ own ratings of Clearwater Credit Union are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.