Clearwater Credit Union Brooks St, Missoula

Great institution to do business. The staff is friendly and professional offering sound financial counsel to those seeking to improve their credit score. They are knowledgeable & up front and aren't shy about sharing their values and commitment to having a positive impact on the community and our environment. I would refer them to others unconditionally and without hesitation.

Used to be good, but the last couple of years everything has been slowly getting worse. The last few months ACH transfers have become unreliable, with autopay services that have worked without issue since 2015 or 2016 suddenly getting denied, and Clearwater telling me it's the other company's fault. My debit card randomly gets declined, and has to be re-run to go through, and is about 50/50 at gas station pumps. Their technology is like stepping 10 years back in time, with tap-to-pay only just getting support this year. If you want big-bank customer service and small bank rates and technology, this is the place for you. Otherwise you're probably better off putting your money somewhere else.

I have had 3 car loans and 2 personal loans through missoula fed/Clearwater credit union. All of which have been seamless! They are always happy to help in anyway that they can & they do it with a Friendly & hospitable disposition. If you are lucky enough to work with Sandy Jackson know you are in good hands, that woman is the bomb.com!

I was planning to make a purchase for a new car and contacted my loyal credit union that I’ve been banking with many years, way back when they were still Missoula Fed. I filled out the online paperwork and contacted the Clearwater to explain I had been working on raising my credit for two years and it was about to increase fairly significantly from a rehabilitation program I was completing. I was never contacted again to say if I was approved or not, after two weeks I called Clearwater for an update on my application. The lady I spoke with was so rude and told me she did not contact me back “because I was unlendable” and that “my score won’t raise significantly when derogatory marks are removed because credit doesn’t work that way.” I was pretty shocked at how poorly her phone manner was and that I wasn’t worth any of her time, even to let me know the status of application. My credit DID raise 100 points to 675 and I show 100% on time payments, I went to Lithia and was approved right away with no money down and financed a 2021 jeep through them. My husband and I sold our house and are financing a new one. This all happened in 3 months. ALWAYS work with a lender who will believe in you and never let yourself leave discouraged!

It was so easy to set up a new account and Jenny is so helpful! I was able to save $65 a month through a refinance and it is extremely helpful! Couldn’t be more pleased!

I am a payee for a family member, and because of Covid-19 backing up the wait list for people to get their licenses at the DMV, we were unable to cash a check today by no fault of Clearwater. I explained our situation and Trey at the Brooks location took a couple minutes to try and find an article about a place other than the DMV that was advertised as issuing IDs. He couldn't find it but made sure my e-mail was on my account so that he could send it if he found it, and he did a half hour later.

New to the Missoula Montana area, and with a strong preference for credit unions, I selected the Missoula Federal Credit Union as my business banking institution of choice. My first experience was on a Tuesday morning - I went in to open an account and sat there, with no one in waiting in line in front of me, to see a personal banker, and finally left. I returned the next day and didn't wait very long (no customers in the building) and met with a personal banker/financial rep of the Missoula Federal Credit Union. I had all of my paperwork in order to open a business account, and I did. Since then, the bank has come back to me no less than 3 times needing information that they had already gathered from me. Information such as my social security number, and other bits - bottom line, they are unorganized. The very last time they needed something, it required my wet signature. Due to living over an hour outside of town, and working and attending graduate school, I haven't made the time to go by their branch and sign any paperwork. As a result I've received scathing phone calls and emails from the "financial representative" that opened my account initially. This was the last straw and I am closing my account. I can't speak for personal accounts, but I encourage business owners to be wary of banking with this institution. EDITED AND UPDATED: I am very impressed. A manager called me directly regarding this Google Review to learn more about what happened. I was going to delete this review altogether, but have think the recovery by the institution is important to note. I have decided to raise the rating from 1 to 4 stars, and I will keep my account active.

I've Been with MFCU for about two years now. I love them!! I was able to get a credit card to build my credit as well as a loan to help fix my past credit issues. some times there is a bit of a wait to be seen in the lobby, however its fine with me its nice inside the brooks street branch. I have always found everyone to be friendly and professional. I am so glad I choose to bank with them!!

Have had loans with MFCU for over 10 years with no late payments and an overall good experiences. My last visit however changed my opinion a great deal and I won't be going back. I wanted to refinance a credit card with the new Clearwater CU. Having good credit, and a past of on time payments, and pay offs I was sure it would be no problem. I even had a co-signer just in case. I was denied, but was given the strangest ultimatum if I was to somehow be approved in the future. I had to close my Amex account I've had for 12 years (or longer) so I wouldn't continue to spend on it. I mentioned that would be a colossal hit to my credit score and the loan officer didn't care. They were demeaning and treated me like I would have no self control.

Overall I am pleased. There are always lots of people in the drive thru and the lobby, so I think more people in Missoula bank here than at some of the big name banks. I like to support local, and they are certainly local.