Below you will find the Services we offer you as a member here at Clearwater Credit Union.

-Overdraft Protection - Direct Deposit -- Payroll Deduction - Money Orders & Cashiers Checks - Loan Protection Insurance - Free Notary Service - Mail Transactions - Insured Shares - Market Rate Account (Money Plus) - Two Drive-up Teller Lanes - Membership Eligibility to Costco - Wire Transfers - if you have any questions please don't hesitate to call us HERE

Clearwater Credit Union knows the habit of saving is much easier if your account earns high dividend. Clearwater Credit Union offers different types of accounts that help you earn high dividend on your savings.

These accounts include:

• Regular Share Account - This is your regular savings account that pays high dividends on a quarterly basis.

• Money-Plus - This is a money market account that pays high dividends that are calculated daily and paid monthly. The only requirement is maintaining a $2,500 minimum balance in the account.

We also offer Direct Deposit of paychecks and Social Security Checks, and payroll deductions to make it easier for you to save.

Clearwater Credit Union offers loans. This is one of the most popular services we offer our members. The member can borrow at competitive rates with fewer restrictions than most other financial institutions.

A wide variety of loans are offered by Clearwater Credit Union to its members to meet the members' needs. These include share pledged loans, collateral loans, home improvement loans, second mortgages, signature loans, home equity, RV's and automobile loans.

Many times your loan will be disbursed the day of application. Loans may be repaid through payroll deduction, mail, or in person.

Clearwater Credit Union offers the members a share draft checking account with no service charges, no minimum balance in the share draft account, and you pay only for the cost of the checks.

There are no limits to the amount of checks you write. Each month you receive a statement of the checks you have written for the month. We also will do telephone transfers from savings to checking for you at your request.

Opening a share draft account is easy. Simply fill out an application, an agreement form, make a deposit into the account, and you can begin using your account. Deposits can be made by Direct Deposit, payroll deduction, mail, or in person.

And remember that once you are a member, any member of your family can qualify for membership and take advantage of our free share draft account.

Ask about overdraft protection and automatic transfer.

Clearwater Credit Union offers term share accounts for our members.  We have different term share accounts that are tailored to fit every need, with dividend rates that are competitive.

Clearwater Credit Union offers an Individual Retirement Account (IRA) that allows the member to invest in their Credit Union IRA up to a specific amount. You can do direct transfers or rollovers from your other IRAs or qualified retirement plans into an IRA at Clearwater Credit Union and earn a high rate of interest on your investments. An IRA from Clearwater Credit Union is an excellent way to save for the future.

Clearwater Credit Union is audited annually by the State Department of Finance.  The Credit Union is fully bonded in case of any negligence or dishonesty by any officer or staff member. All shares are insured up to a maximum of $250,000 per account by American Share Insurance.

** New rates will correspond with your credit score

Interest Rates and Interest Changes	Visa Platinum
Annual Percentage Rate (APR) for Purchases	6.50%, 8.50%, 12.50%, 14.50% or 16.50% Fixed
APR for Balance Transfer	None
APR for Cash Advances	6.50%, 8.50%, 12.50%, 14.50% or 16.50% Fixed
Penalty APR and When it Applies	None
Paying Interest	Your due date is at least 25 days after the close of each billing cycle. We will not charge you interest on retail purchases if you pay your entire balance by the due date. We will begin charging interest on cash advances on the transaction date.
Minimum Interest Change	None
For Credit Card Tips for the Federal Reserve Board	To learn more about factors to consider when applying for or using a credit card, visit the web site of the Federal Reserve Board at http://www.federalreserve.gov/creditcard.
Fees	Visa Platinum
Annual Fee	None
Membership Fee	None
Transaction Fee
Balance Transfer	None
Cash Advances	None
Foreign Transaction	1.0%
Penalty Fee
Late Payment	If the minimum required payment is not received within 20 days after the closing date subsequent to the payment due date, a late payment fee of up to $20.00 will be imposed.
Over-the-Credit-limit	None
Returned Payment	Up to $15.00
Other Fees	None
How We Will Calculate Your Balance: We use a method called “average daily balance” (including purchases). *An explanation of this method is provided in your account agreement. Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in your account agreement.

** Rates will be re-evaluated upon renewal date OR at the discretion of Clearwater Credit Union.

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Clearwater Credit Union issues its own VISA credit card featuring no annual fee.  Compare our rate to the rate you are currently paying for your VISA card.  Then, come in and apply for your new Clearwater Credit Union VISA card.

To access your credit card information online please follow the link below.

• My Credit Card

Clearwater Credit Union allows you access to your accounts with our VISA Check ATM card. It's a great way to pay for everyday purchases right from your checking account. You can also access your accounts through our Automatic Teller Machine located in our parking lot or other ATMs - 24 hours a day!

Clearwater Credit Union offers this club which is designed to teach children the valuable lesson of saving in a fun way. With this program and its specially designed products, children will beencouraged to save and learn about the credit union. Anyone 12 years of age and younger can join the Pee Wee Penguin Club with a minimum balance of $5.00. By joining this club, your child will realize the benefits such as quarterly dividends, membership card, Pee Wee Passbook, coin saver, special events throughout the year, and much, much more.

- Explanation of overdraft coverage
Clearwater Credit Union Funds Availability Policy Disclosure

 

The National Credit Union Foundation has useful information available through their
"Plan it. Save 4 it." savings campaign, including:

- Debt Reduction Tips - Budget Planning Tips - A Variety of Calculators - . . . and much more