Credit union · NCUA insured
Clearwater Credit Union Auto Loan Rates
Clearwater Credit Union auto loans start at 5.24% APR for a new vehicle and 5.24% for a used one. Rates checked October 22, 2026.
How Clearwater Credit Union’s auto loan rates compare
Compared with banks and credit unions near Missoula, MT, where Clearwater Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Clearwater Credit Union
5.24%APR
- Terms
- up to 60 months
- Up to
- 16.75% APR
- Discount
- None included
New or Used Electric Vehicle Loan
2nd-lowest rate
Park Side Credit Union
5.24%APR
- Terms
- up to 60 months
- Up to
- —
- Discount
- None included
3rd-lowest rate
Mountain America Credit Union
5.24%APR
- Terms
- up to 60 months
- Up to
- —
- Discount
- Included in the rate
Clearwater Credit Union auto loan score
79
Auto loan score
Higher than 48% of U.S. banks and credit unions
- New vehicleNew5.24%
- Used vehicleUsed5.24%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Clearwater Credit Union ranks
By auto loan score, in each area where it has branches
Every rate
Current auto loan rates
Rates from the credit union’s website. Most are “as low as” rates for the best credit; yours depends on your credit, the term and the vehicle.
New or Used Electric Vehicle Loan
Valid for plug-in or plug-in hybrids. Loan may also be used to finance up to an additional $2,500 for home charging installation. A new vehicle is 3 years or newer from current year; used vehicle is 4 years or older. All loans subject to approval. Rates, terms, and conditions subject to change and may vary based on creditworthiness, qualifications, and collateral conditions. Lien required until loan paid in full; comprehensive and collision insurance required.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 5.24%–16.75% | — |
| up to 48 months | 5.24%–16.75% | — |
| up to 60 months | 5.24%–16.75% | — |
| up to 72 months | 5.24%–16.75% | — |
| up to 84 months | 5.99%–10.25% | — |
Sources (1)
- clearwatercreditunion.org/pers…edit-cards/vehicle-loans · captured Oct 4, 2026
New or Used Vehicle Loan
A new vehicle is 3 years or newer from current year; used vehicle is 4 years or older. All loans subject to approval. Rates, terms, and conditions subject to change and may vary based on creditworthiness, qualifications, and collateral conditions. Lien required until loan paid in full; comprehensive and collision insurance required.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 6.24%–17.75% | — |
| up to 48 months | 6.24%–17.75% | — |
| up to 60 months | 6.24%–17.75% | — |
| up to 72 months | 6.24%–17.75% | — |
| up to 84 months | 6.99%–11.25% | — |
Sources (1)
- clearwatercreditunion.org/pers…edit-cards/vehicle-loans · captured Oct 4, 2026
Who can join Clearwater Credit Union
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.
Membership information collected October 4, 2026.