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.

Bike Loan - Clearwater CU

Get around town or the trails with a Bike Loan up to $3,500 or an E-Bike Loan up to $15,000.

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.

Bike Loan or E-Bike Loan

We are so glad you’ve decided to take out a loan with us.  Let’s get started!

Tell us about the loan you want.

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>.

What's your legal name on your government-issued ID or passport?

Tell us about you.

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.

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 next.

Do you earn any extra income?

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

What's 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?

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 your joint applicant's home address?

What’s their mailing address?

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

Let’s verify your joint applicant’s identity.

We'll use your joint applicant's income data to verify their eligibility.

Let’s document your joint applicant's income.

Do they earn any extra income?

What's your joint applicant's current living arrangement?

By clicking the "SUBMIT APPLICATION" button, you acknowledge that this application is submitted to obtain credit and I (we) certify that all information herein is true and complete. I (We) also, authorize the credit union to verify or obtain further information the credit union may deem necessary concerning 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).

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.