The Clearwater Credit Union is a personal credit card from Clearwater Credit Union. The annual fee is No annual or balance transfer fees. The ongoing APR is Revolving 11.00% - 18.00% (Rates effective as of September 17, 2026). APR varies with the Prime Rate as published in the Wall Street Journal.. Typical credit limit: $20,000 (Max Amount). Loan terms: Minimum payment of 2.00% of the outstanding balance, subject to a minimum of $25.00..