I'm not real sure why Fescue and clover wouldn't do well? It seems to do pretty well everywhere else in Missouri. You should probably wait until february for the clover and just frost seed it. If there are a lot of trees around the pond I would suggest orchardgrass. You should also use a cover crop of some sort (wheat, rye, oats, it doesn't matter). They will come up quick, they are cheap, and you won't have to use much. They should hold your soil until the grass takes over.
There are a number of Bermudagrasses that say they can go into Iowa. I don't know how much I would trust that information as far north as you are. It is also the wrong time of year to plant bermudagrass and I don't think you will find any at your seed dealer.