Credit union · NCUA insured
Clearwater Credit Union Savings Rates
Clearwater Credit Union’s best savings rate is 1.00% APY on $10,000, with its Money Market Savings. Rates checked October 22, 2026.
How Clearwater Credit Union’s savings 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
1.00%APY
- Requires
- None
- Minimum
- $0
- Earns on $10,000 a year
- $100
Money Market Savings
Top rate
Horizon Credit Union
3.03%APY
- Requires
- Monthly account activity
- Minimum
- $5
- Earns on $10,000 a year
- $303
2nd-highest rate
Montana Educators' Credit Union
3.00%APY
- Requires
- Monthly account activity
- Minimum
- $0
- Earns on $10,000 a year
- $300
Clearwater Credit Union savings score
84
Savings score
Higher than 66% of U.S. banks and credit unions
- $1,000 balance$1,0000.05%
- $10,000 balance$10,0001.00%
- $100,000 balance$100,0002.10%
- QualifiedQualified1.00%
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 savings score, in each area where it has branches
Every rate
Current savings rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
Money Market Savings
1.00%APY
$5 monthly account fee if balance falls below $1,500; dividends paid monthly.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $10,000Interest accrues daily, dividends paid monthly; $1,500 minimum monthly balance to avoid $5 monthly fee. | 1.00% | $100 | Interest accrues daily, dividends paid monthly; $1,500 minimum monthly balance to avoid $5 monthly fee. |
| $10,001 – $50,000Interest accrues daily, dividends paid monthly; $1,500 minimum monthly balance to avoid $5 monthly fee. | 1.55% | — | Interest accrues daily, dividends paid monthly; $1,500 minimum monthly balance to avoid $5 monthly fee. |
| $50,001 – $100,000Interest accrues daily, dividends paid monthly; $1,500 minimum monthly balance to avoid $5 monthly fee. | 2.10% | — | Interest accrues daily, dividends paid monthly; $1,500 minimum monthly balance to avoid $5 monthly fee. |
| $100,001 – $250,000Interest accrues daily, dividends paid monthly; $1,500 minimum monthly balance to avoid $5 monthly fee. | 2.60% | — | Interest accrues daily, dividends paid monthly; $1,500 minimum monthly balance to avoid $5 monthly fee. |
| $250,001 and upInterest accrues daily, dividends paid monthly; $1,500 minimum monthly balance to avoid $5 monthly fee. | 3.20% | — | Interest accrues daily, dividends paid monthly; $1,500 minimum monthly balance to avoid $5 monthly fee. |
Sources (1)
- clearwatercreditunion.org/personal/accounts/savings · captured Oct 4, 2026
Primary Savings
0.05%APY
Required to establish Clearwater Credit Union membership and voting rights. $5 monthly minimum balance requirement.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $5 and upInterest accrues daily, dividends paid monthly.$5 and up | 0.05% | $5 | Interest accrues daily, dividends paid monthly. |
Sources (2)
All captured Oct 4, 2026
Secondary Savings
0.05%APY
Can open as many secondary savings accounts as wished without the $5 minimum opening balance.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $5 and upInterest accrues daily, dividends paid monthly.$5 and up | 0.05% | $5 | Interest accrues daily, dividends paid monthly. |
Sources (2)
All captured Oct 4, 2026
Special-purpose accounts
V.I.P. Savings
0.05%APY
Deposit up to $250 monthly. Choose annual disbursement date. Dividends paid monthly.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $2,500Deposit up to $250 monthly. Choose annual disbursement date. Dividends paid monthly. | 0.50% | — | Deposit up to $250 monthly. Choose annual disbursement date. Dividends paid monthly. |
| $2,501 and upDeposit up to $250 monthly. Choose annual disbursement date. Dividends paid monthly. | 0.05% | $5 | Deposit up to $250 monthly. Choose annual disbursement date. Dividends paid monthly. |
Sources (2)
All captured Oct 4, 2026
Coverdell Education Savings
0.05%APY
Available in Traditional, Roth, and SEP types for youth under age 18 or special needs beneficiaries. Modified adjusted gross income (MAGI) limits and annual contribution limits apply. Contributions are not tax-deductible.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceInterest accrues daily, dividends paid monthly.Any balance | 0.05% | $5 | Interest accrues daily, dividends paid monthly. |
Sources (2)
All captured Oct 4, 2026
Health Savings Account (HSA)
0.05%APY
Must be enrolled in a high-deductible health plan (HDHP). Contributions are tax-deductible and rollover annually. Annual contribution limits apply. $5 minimum monthly balance.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $1,001 and upInterest accrues daily, dividends paid monthly.$1,001 and up | 0.05% | $5 | Interest accrues daily, dividends paid monthly. |
Sources (3)
- clearwatercreditunion.org/personal/accounts
- clearwatercreditunion.org/pers…/accounts/health-savings
- clearwatercreditunion.org/rates
All captured Oct 4, 2026
IRA Savings
0.05%APY
Available in Traditional, Roth, and SEP types. $100 minimum monthly balance. No setup or annual fees. Early withdrawals before age 59½ may be subject to penalty.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $100 and upInterest accrues daily, dividends paid monthly.$100 and up | 0.05% | $5 | Interest accrues daily, dividends paid monthly. |
Sources (2)
All captured Oct 4, 2026
Montana Medical Care Savings Account (MSA)
0.05%APY
Must be a Montana resident. Does not require enrollment in a high-deductible health plan (HDHP). Contributions are deductible on Montana state income taxes. Annual contribution limits apply. $0 minimum monthly balance.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceInterest accrues daily, dividends paid monthly.Any balance | 0.05% | $5 | Interest accrues daily, dividends paid monthly. |
Sources (2)
All captured Oct 4, 2026
Youth Savings
0.05%APY
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $5 and upInterest accrues daily, dividends paid monthly.$5 and up | 0.05% | $5 | Interest accrues daily, dividends paid monthly. |
Sources (1)
- clearwatercreditunion.org/rates · 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.