Clearwater Credit Union

#0A2952

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

Certificate of Deposit - Clearwater CU

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.

Grow your savings faster with a Certificate of Deposit.

Certificate of Deposit

Each certificate requires a minimum deposit of $100. For each new member we will open up a primary savings account along with your certificate. Each primary savings account requires a minimum of $5 to be opened

Let’s find out how much you’re guaranteed to save.

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 an application, you authorize Clearwater Credit Union to obtain a soft consumer credit inquiry to evaluate your creditworthiness so that you may be considered for other Clearwater products and services. This inquiry will not affect your credit score. You also authorize Clearwater to use this consumer inquiry for the purposes of evaluating the membership application, reviewing any Clearwater accounts you open and verifying your identity. We also reserve the right to obtain a full consumer credit report if necessary, to approve your membership application or application for certain products, such as a checking account. You understand these reports may be used in decisions to deny 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>.

What's your legal name as it appears on your passport or other government-issued ID?

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 now helps expedite opening your account. This process can be securely completed with a webcam-equipped mobile device and only takes a few minutes.

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 ID’s information must match what has been provided in the application.

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 next.

We found existing membership information on file for you. Would you like to use one of the memberships below?

Each certificate requires a minimum deposit of $100. Early withdrawal penalties may apply. Check out the latest <a href="https://clearwatercreditunion.org/rates/" target="_blank"> rates</a>.

Please choose the deposit products below that you wish to open today.

It all starts with a great savings account.

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

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 collect information about your joint applicant.

Let us know how we can get in touch with your joint applicant in case we need to.

What is your joint applicant’s contact information?

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

We use this information to verify your joint applicant is who you say they are. This information is always kept private, will never be shared, and is protected by 256-bit SSL Encryption.

What’s their home address?

What’s their mailing address?

This information is protected by 256-bit SSL Encryption, and is required by the federal government to verify your joint applicant’s identity and to provide interest income reporting. This information is always kept private and will never be shared.

Let’s verify your joint applicant’s identity.

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

Would you like to add a beneficiary?

Let's collect your beneficiary's info.

How much would you like to initially deposit?

Initial Deposit

Log in to your existing bank to fund your new checking account.

Link your current bank account so we can wirelessly transfer funds as soon as your new account is opened.

By clicking "Link Account", you agree to our partner Plaid’s <a href="https://plaid.com/legal/terms-of-use/" target="_blank">Terms of Use</a> and <a href="https://plaid.com/legal/#consumers" target="_blank">Privacy Policy</a>.

Let’s link your bank account.

Please provide your bank’s account and routing number so we can initiate the ACH transfer to fund your new account with us.

Enter your bank account details.

By submitting, you promise that everything you have stated in this application is true and correct to the best of your knowledge.

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).

We’re about done. Does everything look right?

Thanks for giving us the opportunity to partner with you in your financial goals. We look forward to serving you! If you have any questions or concerns, please feel free to contact us at 406-523-3300.