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CLEARWATER

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CLEARWATER Rates & Review April 2026

Q: How many branches does CLEARWATER operate?

CLEARWATER currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Q: Is a member application needed to join CLEARWATER?

Yes, to access services at CLEARWATER, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations.

Q: Is there a first-time homebuyer program?

Currently, CLEARWATER does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, CLEARWATER provides members with tools to manage their accounts and build a solid financial history.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated: April 19, 2026

You can compare CLEARWATER rates to other rates in our database, including 12-month share certificate rates currently at 3.80%, 6-month share certificate rates at 3.75% and 3-month share certificate rates at 3.75%. Savings rates are at 0.75% and money market rates are at 1.75%. Mortgage rates on 30-year fixed loans are around 6.07%. All these rates can be compared to CLEARWATER rates. MonitorBankRates evaluates the financial stability of CLEARWATER with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 0.73%. Rates were last updated on 04/19/2026.

CLEARWATER money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at CLEARWATER? Share your experience about CLEARWATER by leaving a review below, or read customer reviews before you decide to use CLEARWATER.

Overall Health & Safety Grade

A+

Exceptional Health Score: 100/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

0.73%

Excellent Lower than avg

Oakdale State Bank
Clearwater SS

3600 Brooks St
Missoula, MT 59801

http://.

Current Rate Availability

We do not have CLEARWATER rates right now, but we are constantly updating our database so check back often for updated rates.

Methodology & Data Sources

MonitorBankRates Star Rating

Our rating for CLEARWATER is derived from comprehensive financial data published quarterly by the NCUA. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with member feedback (user reviews) to help you make informed banking decisions.

Texas Ratio

We calculate the Texas Ratio using standard industry methodology. This ratio compares the credit union's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.

Rate Data Aggregation

We gather CLEARWATER rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.

Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions. It is always advisable to check with CLEARWATER's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name CLEARWATER

Website http://.

Address 3600 Brooks St, Missoula, MT 59801

Phone 406-523-3300

Fax 406-523-3535

President Anthony Boote

CEO Jack Lawson

Full-Time Employees 192

Part-Time Employees 3

Branch Locations 12

ATM Locations 11

NCUA Insured ✓ Yes — Up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A+ (100/100)

Texas Ratio

0.73%

Return on Assets (ROA)

0.6833%

Return on Equity (ROE)

5.4661%

Non-Performing Loans Ratio (NPL)

0.12%

Total Assets

1,125,980,847

Total Amount of Shares and Deposits

906,711,928

Total Shares and Deposits < 1 Year

873,280,978

Total Shares and Deposits 1 3 Years

5,561,698

Total Shares and Deposits > 3 Years

27,869,253

Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)

47,171,064

Total Uninsured Shares and Deposits > $250K (F+J)

47,171,064

Total Insured Shares and Deposits > $250K (item 17 less item K)

859,540,864

Total Interest Expense (Sum of items 6 8)

13,626,498

Share Certificates

8,083

Number of Accounts for Share Drafts

48,550

IRA KEOGH Accounts

1,229

Number of Accounts for Regular Shares

81,400

All other shares

988

Non Member Deposits

Money Market Shares

2,731

Total Cash on Deposit (Amounts Deposited in Financial Institutions)

45,393,168

Total Liabilities

1,013,604,871

Source: NCUA — Last Updated 09/30/2025

Customer Reviews

There are no reviews for CLEARWATER yet. Feel free to create one below.

Average Rating

☆☆☆☆☆

Total Reviews

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Frequently Asked Questions About CLEARWATER

Is CLEARWATER a safe place to deposit money?

Yes, CLEARWATER is considered a safe financial institution. With a Texas Ratio of 0.73196445006952%, the institution's financial health is rated as excellent. Your accounts are federally insured by the NCUA (National Credit Union Administration) up to $250,000 per depositor, for each account ownership category.

How many branches does CLEARWATER operate?

CLEARWATER currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is a member application needed to join CLEARWATER?

Yes, to access services at CLEARWATER, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations.

Is there a first-time homebuyer program?

Currently, CLEARWATER does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Are credit management and repair services offered?

While formal credit repair services are not currently listed, CLEARWATER provides members with tools to manage their accounts and build a solid financial history.

Does CLEARWATER offer online and mobile banking?

Most modern institutions like CLEARWATER provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: http://..