Credit union · NCUA insured
Clearwater Credit Union CD Rates
Clearwater Credit Union’s best CD rate is 4.00% APY on a 2-year share certificate (CD). Terms run from 6 months to 5 years. Rates checked October 22, 2026.
How Clearwater Credit Union’s CD rates compare
Compared with banks and credit unions near Missoula, MT, where Clearwater Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Clearwater Credit Union
4.00%APY
- Term
- 24 months
- Requires
- None
- Minimum
- $100
- Earns on $10,000
- $816
Certificates of Deposit (CDs)
Top rate
Horizon Credit Union
4.70%APY
- Term
- 15 months
- Requires
- Another account
- Minimum
- —
- Earns on $10,000
- $591
2nd-highest rate
Mountain America Credit Union
4.50%APY
- Term
- 24 months
- Requires
- None
- Minimum
- $5
- Earns on $10,000
- $920
Clearwater Credit Union CD score
87
CD score
Higher than 76% of U.S. banks and credit unions
- 3–8 months3–8 mo3.50%
- 9–15 months9–15 mo3.75%
- 16–30 months16–30 mo4.00%
- 31–60 months31–60 mo4.00%
- QualifiedQualified4.00%
Each track runs from the lowest to the highest rate among U.S. banks and credit unions; the dot is this rate.Qualified: needs another account or monthly activity.
Where Clearwater Credit Union ranks
By CD score, in each area where it has branches
Every rate
Current CD rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
Certificates of Deposit (CDs)
Up to 4.00%APY · 6 terms
$100 minimum opening deposit. $100 minimum balance requirement. Dividends paid monthly. Early withdrawal penalties may apply. Fees may reduce earnings.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 monthsInterest accrues daily, dividends paid monthly. Early withdrawal penalties may apply | 3.50% | $173 |
| 12 monthsInterest accrues daily, dividends paid monthly. Early withdrawal penalties may apply | 3.75% | $375 |
| 24 monthsInterest accrues daily, dividends paid monthly. Early withdrawal penalties may apply | 4.00% | $816 |
| 36 monthsInterest accrues daily, dividends paid monthly. Early withdrawal penalties may apply | 4.00% | $1,249 |
| 48 monthsInterest accrues daily, dividends paid monthly. Early withdrawal penalties may apply | 4.00% | $1,699 |
| 60 monthsInterest accrues daily, dividends paid monthly. Early withdrawal penalties may apply | 4.00% | $2,167 |
Sources (1)
- clearwatercreditunion.org/personal/accounts/certificates · captured Sep 24, 2026
Energy Resilience Certificate of Deposit (CD)
4.00%APY · 1 term
CD funds pooled to help Montana homeowners and businesses finance energy resilient solutions. Early withdrawal penalties may apply. Fees may reduce earnings.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 24 monthsInterest accrues daily, dividends paid monthly. Early withdrawal penalties may apply | 4.00% | $816 |
Sources (1)
- clearwatercreditunion.org/personal/accounts/certificates · captured Sep 24, 2026
Special-purpose accounts
SmartSaver Certificate of Deposit (CD)
5.00%APY
Available for youth under age 18 only; maximum of one CD per youth. Matures at age 18. Earns 5.00% APY if funds are left untouched until youth's 18th birthday. Rate drops retroactively to 1.00% APY if funds are withdrawn early. $100 minimum opening deposit. Add funds in $100 increments, up to a lifetime maximum of $1,000. Dividends paid monthly. Early withdrawal penalties may apply. Fees may reduce earnings.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $100 – $1,000Matures at age 18. Limit one per youth ages 0-17. Earns 5.00% APY when funds are left untouched until 18th birthday; drops retroactively to 1.00% APY if withdrawn early. Interest accrues daily, dividends paid monthly. Lifetime max balance $1,000.$100 – $1,000 | 5.00% | — | Matures at age 18. Limit one per youth ages 0-17. Earns 5.00% APY when funds are left untouched until 18th birthday; drops retroactively to 1.00% APY if withdrawn early. Interest accrues daily, dividends paid monthly. Lifetime max balance $1,000. |
Sources (1)
- clearwatercreditunion.org/personal/accounts/certificates · captured Sep 24, 2026
IRA Certificates of Deposit (CDs)
Up to 4.00%APY · 6 terms
Available in Traditional, Roth, and SEP types. $100 minimum opening deposit. $100 minimum balance requirement. Subject to annual IRS contribution limits. Dividends paid monthly. Fees associated with these accounts. Early withdrawal penalties may apply. Fees may reduce earnings.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 monthsAvailable in Traditional, Roth, and SEP types. Interest accrues daily, dividends paid monthly. Early withdrawal penalties may apply | 3.50% | $173 |
| 12 monthsAvailable in Traditional, Roth, and SEP types. Interest accrues daily, dividends paid monthly. Early withdrawal penalties may apply | 3.75% | $375 |
| 24 monthsAvailable in Traditional, Roth, and SEP types. Interest accrues daily, dividends paid monthly. Early withdrawal penalties may apply | 4.00% | $816 |
| 36 monthsAvailable in Traditional, Roth, and SEP types. Interest accrues daily, dividends paid monthly. Early withdrawal penalties may apply | 4.00% | $1,249 |
| 48 monthsAvailable in Traditional, Roth, and SEP types. Interest accrues daily, dividends paid monthly. Early withdrawal penalties may apply | 4.00% | $1,699 |
| 60 monthsAvailable in Traditional, Roth, and SEP types. Interest accrues daily, dividends paid monthly. Early withdrawal penalties may apply | 4.00% | $2,167 |
Sources (1)
- clearwatercreditunion.org/personal/accounts/retirement · captured Sep 24, 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.