Clearwater Federal Credit Union

Headquarters: Missoula, Montana
Charter: Credit Union
Assets: $1.2B
Fed district: Minneapolis

11 published fees; none has a market median to compare yet.

Source: its fee schedule, read Oct 14, 2026.

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Fees against the market

Comparison with U.S. medians for fees published by banks and credit unions.

Overdraft (OD)
Clearwater Federal Credit Union: $10
Clearwater Federal Credit Union: $10
U.S. median: no median
Non-Network ATM
Clearwater Federal Credit Union: $2
Clearwater Federal Credit Union: $2
U.S. median: no median
Wire Transfer (Domestic Out)
Clearwater Federal Credit Union: $20
Clearwater Federal Credit Union: $20
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Oct 14, 2026View sources

Each amount links to the fee schedule it was read from. Medians for Montana, the Minneapolis district and the U.S.: Bank Fee Index published fees, shown where at least 5 institutions publish the fee.

Compared at: The value this page compares: its one price, or the middle of its prices when it lists several (the highest, its standard fee, for overdraft).
Same rules: Its fees and every median use the same rules. Business-only fees are left out. So are CD, IRA, card inactivity, box drilling and key fees filed under a fee they don’t match, and fees charged by a different period than the median (a quarterly fee beside monthly ones).
Montana: Banks and credit unions headquartered in Montana that publish the fee.
Minneapolis district: Banks and credit unions headquartered in the Minneapolis Fed district that publish the fee.
U.S.: Banks and credit unions across the Bank Fee Index that publish the fee.
About the same: Within 1% of the median.
Account: Fees not tied to a named account apply across its personal accounts.

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Published fee schedule

Amounts from Clearwater Federal Credit Union’s own schedules, with a source for each figure.

Account Maintenance

Account fee (balance drops below $1,500)$5
per month
Reconciliation and Research$30
Mailed Statements$10

Overdraft & NSF

Courtesy Pay per item paid$10
per item
Overdraft Paid Fee per item paid$10
per item

ATM & Card

ATM Transaction$2
per transaction
Foreign Transaction Fee1%of the transaction
Foreign Transaction Fee (audience not stated, treated as personal)1%of the transaction

Wire Transfers

Outgoing Domestic Wire$20

Check Services

Corporate/Cashier Checks$5
per item
Money Order$2
per item
Stop Payments$25
per item

Account Services

One Lost Key$10
Not compared: Box drilling or key fee

Gift & Prepaid Cards

Gift Cards$4
per item

Other Fees

Skip-a-Pay$45
per item

Fee	Amount	Basis	Note
Account Maintenance
Account fee (balance drops below $1,500)	$5	per month	None
Reconciliation and Research	$30	Not stated	None
Mailed Statements	$10	Not stated	None
Overdraft & NSF
Courtesy Pay per item paid	$10	per item	None
Overdraft Paid Fee per item paid	$10	per item	None
ATM & Card
ATM Transaction	$2	per transaction	None
Foreign Transaction Fee	1%of the transaction	Not stated	None
Foreign Transaction Fee (audience not stated, treated as personal)	1%of the transaction	Not stated	None
Wire Transfers
Outgoing Domestic Wire	$20	Not stated	None
Check Services
Corporate/Cashier Checks	$5	per item	None
Money Order	$2	per item	None
Stop Payments	$25	per item	None
Account Services
One Lost Key	$10Not compared: Box drilling or key fee	Not stated	None
Gift & Prepaid Cards
Gift Cards	$4	per item	None
Other Fees
Skip-a-Pay	$45	per item	None

Audience not stated on the bank’s schedule; treated as personal. Fees may differ for business or commercial accounts. How audience is decided

Correct a fee source

Oct 14, 2026 data snapshot. Each amount links to its fee schedule. The U.S. comparison is the middle 50% of Bank Fee Index published fees, shown where at least 5 institutions publish the fee.

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