Clearwater Credit Union

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The largest CDFI and second largest credit union in Montana, Clearwater is a values-based, member-owned financial co-operative headquartered in Missoula, MT.

Visa Secured Credit Cards - Clearwater CU

Secure your Visa credit card with your savings account and enjoy the spending power of a Visa while helping to build or rebuild your credit. All with no annual fee.

Terms and Conditions

Apply in 5 minutes or less.

Please enter the six-digit code that was sent to your email address.

Check Your Email for a Private Verification Code.

Build or repair your credit

Visa Secured Credit Card

Consumer Credit & ID Verification Federal law requires that we obtain, verify and record information that identifies each person who opens an account, including joint owners. Within this application, we will ask for your name, address, date of birth and other information that will allow us to identify you. We may also ask to see your driver's license or other identifying documents. Approval of your application may be delayed or denied pending further verification of your identity.

Consumer Reports By submitting this application, you authorize Clearwater Credit Union to obtain your consumer and/or credit report for the purposes of evaluating this application, to obtain ongoing credit reports in connection with this transaction, and for all other legitimate purposes allowed by law, including account reviews and account collections. You also authorize Clearwater Credit Union to receive and review employment, income, third-party, consumer reporting agency, and other information about you to evaluate your application. You understand and acknowledge that Clearwater Credit Union may also obtain a credit report to pre-qualify you for other Clearwater products and services, and you authorize Clearwater to use this information to confirm your identity and to evaluate your eligibility for membership or other Clearwater products and services. You understand these reports may be used in decisions to deny applications for credit, account applications, close accounts, and/or restrict accounts or services.

By checking this box you agree to our <a href="https://clearwatercreditunion.org/privacy-security-policy/" target="_blank">Privacy Policy</a>.

Enter your legal name as it appears on your government-issued ID or passport.

Let’s start with your name.

Phone Number

We'll use your number to text application status updates. Standard text messaging rates apply.

Let’s stay in touch.

Please check the box if you have an alternate mailing address.

We use this information to verify your identity, as required by law.

Street Address

Apartment Number (Optional)

City

State

Zip Code

What’s your home address?

What’s your mailing address?

The federal government requires this information to verify your identity and for tax reporting purposes.

Let’s verify your identity.

Verifying your ID only takes a few minutes, helps expedite account opening, and can be securely completed with a webcam-equipped mobile device.

You will need one of the following ID documents:<ul><li>Driver’s license</li><li>State ID</li><li>U.S. Passport</li></ul> Your application info must match your identification.

If you encounter problems with this system or would prefer to validate your ID later, please return to the previous step.

We'll use your income data to verify your eligibility.

Let’s document your income.

Do you earn any extra income?

This helps us find a loan that considers your monthly living expenses.

What is your current living arrangement?

If you have their information available, we can quickly add a joint applicant.

Would you like to add a joint applicant?

We have just a few questions about your joint applicant so we can add them to your application.

Let’s enter your joint applicant's info.

How do we contact your joint applicant?

Please check the box if they have an alternate mailing address.

We use this information to verify your joint applicant's identity, as required by law.

What’s their home address?

What’s their mailing address?

Let’s verify your joint applicant’s identity.

We'll use their income data to verify their eligibility.

Let’s document their income.

We use income data solely to verify your eligibility for our highly competitive loan products. This information will be stored securely and will never be shared with anyone else.

Do they earn any extra income?

This helps us find a loan that accounts for other monthly expenses.

What is their current living arrangement?

By clicking "SUBMIT APPLICATION", I (we) acknowledge that I (we) are applying for a credit card and that all the information provided is true and complete. I (We) authorize the credit union to verify or obtain additional information the credit union deems necessary to verify my (our) credit standing.

IMPORTANT INFORMATION ABOUT PROCEDURES FOR OPENING A NEW ACCOUNT: To help the government fight the funding of terrorism and money laundering activities, Federal law requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account. What this means to you: When you open an account, we ask for your name, address, date of birth, and other information that will allow us to identify you. We may also ask to see your driver’s license or other identifying documents. Under penalties of perjury, I certify that: 1) The number shown on this form is my correct taxpayer identification number (or I am waiting for a number to be issued) 2) I am not subject to backup withholding because: (a) I am exempt from backup withholding, or (b) I have not been notified by the Internal Revenue Service (IRS) that I am subject to backup withholding as a result of a failure to report all interest or dividends, or (c) the IRS has notified me that I am no longer subject to backup withholding 3) I am a U.S. person (including a U.S. resident alien).

You're almost done. Is everything accurate?

We'll email you shortly with next steps. Thanks for choosing Clearwater for your financial needs. We look forward to serving you! If you have any questions, please call 406-523-3300.