Featured Savings Rates
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Clarity Credit Union

Popular Accounts at this Credit Union

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

Overview / Commentary
1822 N Midland Blvd
Nampa, ID 83651

Clarity Credit Union is headquartered in Nampa and is the 18th largest credit union in the state of Idaho. It is also the 2,054th largest credit union in the nation. It was established in 1948 and as of June of 2016, it had grown to 37 employees and 15,522 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.
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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.

Health Grade Components

NCUA #68295
Year Chartered1948
Primary Regulator
Profit Margin
Return on Assets - YTD-1.01%
Return on Equity - YTD-13.16%
Annual Interest Income$1.8MM
Assets and Liabilities
AssetsQ2 2016vs Q2 2015$63.5MM$65.2MM
LoansQ2 2016vs Q2 2015$52.6MM$58.8MM
DepositsQ2 2016vs Q2 2015$57.1MM$58.5MM
Equity CapitalQ2 2016vs Q2 2015$5.0MM$5.2MM
Loan Loss AllowanceQ2 2016vs Q2 2015$929.00K$561.00K
Unbacked Noncurrent LoansQ2 2016vs Q2 2015$607.00K$469.00K
Real Estate OwnedQ2 2016vs Q2 2015$0$0
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Clarity Credit Union Savings Account Rates

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

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

0.45%$100-1 Year IRA Certificate

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