Featured Savings Rates
Featured Accounts

Clarity Credit Union

Popular Accounts at this Credit Union

APYACCOUNT TYPEACCOUNT NAME
0.15%1-year CD1 Year Small Saver Certificate
0.10%SavingsRegular Share Account
1.25%2-year CD2 Year Share Certificate

Overview / Commentary
208-467-6583
1822 N Midland Blvd
Nampa, ID 83651

Clarity Credit Union is headquartered in Nampa and is the 17th largest credit union in the state of Idaho. It is also the 2,025th largest credit union in the nation. It was established in 1948 and as of March of 2016, it had grown to 40 employees and 15,606 members at 7 locations. Clarity Credit Union's CD rates are 11% higher than the national average, and it has a C+ health rating.

Field of Membership Restrictions

Clarity CU is open to the residents, people that maintain employment, church members, and registered students within these Idaho Counties; Ada, Boise, Canyon, Gem, Payette, and Valley as well as the immediate family members of current CU members.
See current membership details

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Health
C+
Additional Factors: Institutions with a small asset base, a short operating history, or negative return on assets can represent an instability risk beyond what their financial ratios indicate. Clarity Credit Union has a relatively low asset base, and a negative return on assets.

Health Grade Components

Overall
NCUA #68295
Year Chartered1948
Employees40
Primary Regulator
Profit Margin
Return on Assets - YTD-2.04%
Return on Equity - YTD-27.01%
Annual Interest Income$854.00K
Assets and Liabilities
AssetsQ1 2016vs Q1 2015$65.6MM$64.1MM
LoansQ1 2016vs Q1 2015$52.4MM$56.4MM
DepositsQ1 2016vs Q1 2015$59.7MM$57.1MM
Equity CapitalQ1 2016vs Q1 2015$5.0MM$5.1MM
Loan Loss AllowanceQ1 2016vs Q1 2015$745.00K$489.00K
Unbacked Noncurrent LoansQ1 2016vs Q1 2015$670.00K$522.00K
Real Estate OwnedQ1 2016vs Q1 2015$0$0
Rates
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Clarity Credit Union Savings Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
2.00%--Holiday Club
2.00%--Vacation Club
0.10%--Regular Share Account
0.10%--PeeWee Savings Account
0.10%$50-Medical Savings Account

Clarity Credit Union CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.25%$10k-2 Year Share Certificate
1.00%$5k-1 Year Share Certificate
0.20%$500-6 Month Share Certificate
0.15%$100-1 Year Small Saver Certificate

Clarity Credit Union IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.45%$100-1 Year IRA Certificate
Locations


Clarity Credit Union Locations
Branch Office555 N Meridian RdMeridian, ID 83642-2757
Branch Office3 W Main STMiddleton, ID 83644
Branch Office805 Cleveland BlvdCaldwell, ID 83605-4150
Branch Office1115 Albany St Rm 132Caldwell, ID 83605-3522
Branch Office1822 N Midland BlvdNampa, ID 83651
Branch Office407 Highway 55Horseshoe Bend, ID 83629-5034
Branch Office111 S Hayes AveEmmett, ID 83617-2929