Clearwater Credit Union
Quick Summary
- HSA savings account
The Verdict
Clearwater Credit Union provides essential HSA features with zero monthly maintenance fees and basic savings functionality, earning a 0/5.0 rating from HSA Orbit.
Clearwater Credit Union is a member-owned financial cooperative founded by 8 Missoula police officers in 1956. Currently, the largest Community Development Financial Institution (CDFI) and second-largest credit union in the state of Montana – Clearwater serves over 50,000 members across seven counties in Western Montana. In 2016 Clearwater was invited to join the Global Alliance for Banking on Values (GABV), becoming 1 of 3 credit unions in the United States and the only financial institution in Montana to join the GABV.
Key Features
Banking & Access
Includes debit card.
Investment Options
This provider focuses on cash savings without investment options.
Security & Insurance
Deposits are FDIC/NCUA insured for your protection.
Account Details
No minimum balance to open. no account opening fees.
Fee Analysis
| Fee Type | This Provider | Industry Average | Verdict |
|---|---|---|---|
| Monthly Maintenance | $0.00 | $0.69 | EXCELLENT |
| Account Opening | $0.00 | $1.88 | EXCELLENT |
| Account Closing | $0.00 | $1.95 | EXCELLENT |
Industry averages calculated from 853 providers in the HSA Orbit database.
Investment Options
Savings-Only Account
Clearwater Credit Union currently offers a savings-focused HSA without investment options. Your funds earn interest in a cash account.
Interest Rates
Standard Rates
| Balance Range | APY |
|---|---|
| $0 - $499 | 0.00% |
| $500 - $999 | 0.00% |
| $1,000 - $4,999 | 0.05% |
| $5,000+ | 0.05% |
Last updated: 07-18-2024
Contact Information
Address
3600 Brooks St Missoula, MT 59801 Customer Service Mailing Address 3600 Brooks St Missoula, MT 59801
Customer Service
(406) 523-3300
3600 Brooks St Missoula, MT 59801 Customer Service Mailing Address 3600 Brooks St Missoula, MT 59801
At a Glance
Pros & Cons
The Good
- •No monthly maintenance fees
- •No account opening or closing fees
- •FDIC/NCUA insured deposits
The Bad
- •No investment options available
- •No online banking
User Sentiment
Based on community feedback
Sentiment data coming soon
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