Credit union · NCUA insured
Clearwater Credit Union Credit Card Rates
Clearwater Credit Union credit cards start at 11.00% APR on purchases, after any introductory rate. Rates checked October 22, 2026.
How Clearwater Credit Union’s credit card rates compare
Compared with banks and credit unions near Missoula, MT, where Clearwater Credit Union has the most branches. Ongoing purchase APR, lowest first.
This credit union’s lowest
Clearwater Credit Union
11.00%APR
- Up to
- 18.00% APR
Essential Visa Credit Card
Lowest rate
Whitefish Credit Union
9.75%APR
- Up to
- 17.75% APR
3rd-lowest rate
Mountain America Credit Union
11.74%APR
- Up to
- 18.00% APR
Clearwater Credit Union credit card score
77
Credit card score
Higher than 43% of U.S. banks and credit unions
- Purchase APRPurchase APR11.00%
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 credit card score, in each area where it has branches
Every rate
Current credit card rates
Rates from the credit union’s website. Most are “as low as” rates for the best credit; yours depends on your credit.
Essential Visa Credit Card
Variable APR based on Prime Rate as published in the Wall Street Journal. Minimum payment is 2.00% of outstanding balance (minimum $25.00). Maximum credit line is $20,000. No balance transfer fee.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 11.00%–18.00% | None | Variable APR based on Prime Rate; credit limit up to $20,000; minimum payment 2.00% or $25.00; no annual fee or balance transfer fee; same rate for purchases and cash advances. |
Sources (1)
- clearwatercreditunion.org/pers…redit-cards/credit-cards · captured Oct 4, 2026
Secured Visa Credit Card
Fixed APR for all borrowers. Secured with funds deposited into a Clearwater savings account. Minimum payment is 2.00% of outstanding balance (minimum $25.00). Maximum credit limit is $20,000. No balance transfer fee.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 9.90% | None | Fixed APR; secured by funds deposited in a Clearwater savings account; credit limit up to $20,000; minimum payment 2.00% or $25.00; no annual fee or balance transfer fee; same rate for purchases and cash advances. |
Sources (1)
- clearwatercreditunion.org/pers…redit-cards/credit-cards · 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This may be incomplete or out of date, so check with the credit union before you apply.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.