Clearwater Credit Union

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P.O. Box 494, Lewiston, ID 83501

Website

(208) 746-9836

Data Source: NCUA, June 30, 2016


Clearwater Credit Union was founded in 1957. Headquartered in Lewiston, Idaho, Clearwater Credit Union is a state chartered and not federally insured credit union, being chartered in Idaho but not insured through the National Credit Union Share Insurance Fund (NCUSIF). Clearwater Credit Union is also a member of the Federal Home Loan Bank (FHLB) , which allows a credit union to access low cost secured borrowings or advances and prlides its members with financial products and services that assist and enhance the financing of housing and community lending.

As of June 30, 2016, Clearwater Credit Union services 3,259 members through its 8 full-time and 1 part-time employees. It has $23,138,132 of total assets and $1,292,636 of net worth. Based on its asset size and net worth ratio, Clearwater Credit Union is classified as a Undercapitalized medium small credit union.

Clearwater Credit Union offers a number of deposit and loan products to its members. To find out how competitive the offers are, please go to the Interest Rates page. Clearwater Credit Union also provides an array of services to its members and local communities. To find out more, please go to the Services page.

The chart below depicts the average compensation of Clearwater Credit Union compared to the medians of Idaho and the entire nation (USA) over the years.

The following two tables list the deplitory and loan interest rates of Clearwater Credit Union’s popular offerings. You can find out how competitive the offerings are by comparing them to the median interest rates offered by credit unions in Idaho and in the nation.

Major Deplitory Accounts and Interest Rates (%)

Interest Rate
Median of Idaho
Median of USA
Checking
0.0000
0.0000
0.0000
Savings
0.0100
0.1000
0.1200
Money Market
0.0100
0.2500
0.2500
Certificate Deplit
0.1000
0.9500
0.5500
IRA
0.0000
0.4500
0.5000

Major Loan Accounts and Interest Rates (%)

Interest Rate
Median Rates of Idaho
National Median Rates
Credit Cards
11.5000
9.9000
9.9900
Unsecured Line of Credits
12.3800
10.9300
10.9600
Short-term Small Amount
n/a
22.4400
25.0000
Student Loans
n/a
5.9150
6.0000
New Car Loans
3.1300
3.4250
3.3900
Used Car Loans
4.1300
4.5850
4.5000
1st Mortgage Real Estates
n/a
4.4600
4.1500
Other Real Estates
5.2200
4.5700
4.7400

Clearwater Credit Union prlides a number of ways to access its services. In addition to its office and branches, a member can perform banking through Internet, phones, and ATMs. The table below lists the electronic banking services prlided by Clearwater Credit Union.

Electronic Banking Service Offerings

Membership Application
No
No
Share Account Transfers
Yes
New Loan Application
No
Share Draft Orders
Yes
No
New Share Account
No
Bill Payment
Yes
No
e-Statements
No
Loan Payments
Yes
No
Account Balance Inquiry
Yes
No
No
View Account History
Yes
No

.

Community and other Service Offerings

Financial Counselling
No
Bilingual Services
No
Free Bill Pay
Yes
Financial Education
No
In-School Branches
No
Free Tax Preparation Service
No
Financial Literacy Workshops
No
Student Scholarships
No
Insurance/Investment Sales
No
First Time Homebuyer Program
No
Clearwater Cu
Main Office

320 15th St
Lewiston, ID 83501-2551
Phone:208-746-9836

(208) 746-1954

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  1. Cuhub Staff
    Cuhub Staff

    Last Updated on May 30, 2017

    May 30, 2017 at 10:29 pm

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