Clarity Credit Union

Popular Accounts at this Credit Union

APY	ACCOUNT TYPE	ACCOUNT NAME
0.15%	1-year CD	1 Year Small Saver Certificate 1.35% - Ally Bank High Yield 12-Month CD
0.05%	Savings	Regular Share Account 1.05% - Ally Bank Online Savings Account
1.25%	2-year CD	2 Year Share Certificate 1.50% - Ally Bank Raise Your Rate 2-Year CD

View all Clarity Credit Union rates »

Overview / Commentary

www.claritycu.com

208-467-6583

1822 N Midland Blvd
Nampa, ID 83651

Clarity Credit Union is headquartered in Nampa and is the 17^th largest credit union in the state of Idaho. It is also the 1,989^th largest credit union in the nation. It was established in 1948 and as of December of 2016, it had grown to 38 employees and 15,391 members at 6 locations. Clarity Credit Union's CD rates are 11% higher than the national average, and it has a B+ 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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Health

B+

Data as of Q4 2016

Learn why bank health matters

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

Overall
NCUA #	68295
Year Chartered	1948
Employees	38
Primary Regulator

Profit Margin
Return on Assets - YTD	-0.86%
Return on Equity - YTD	-12.13%
Annual Interest Income	$3.5MM

Assets and Liabilities
Assets	Q4 2016vs Q4 2015	$68.6MM$65.5MM
Loans	Q4 2016vs Q4 2015	$51.6MM$54.2MM
Deposits	Q4 2016vs Q4 2015	$62.9MM$58.9MM
Equity Capital	Q4 2016vs Q4 2015	$4.7MM$5.3MM
Loan Loss Allowance	Q4 2016vs Q4 2015	$1.2MM$577.00K
Unbacked Noncurrent Loans	Q4 2016vs Q4 2015	$487.00K$1.2MM
Real Estate Owned	Q4 2016vs Q4 2015	$0$0

Rates

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Savings
CD
IRA

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Clarity Credit Union Savings Account Rates

APY	MIN	MAX	ACCOUNT NAME
2.00%	-	-	Holiday Club
2.00%	-	-	Vacation Club
0.05%	-	-	Regular Share Account
0.05%	-	-	PeeWee Savings Account
0.05%	$50	-	Medical Savings Account

Clarity Credit Union CD Rates

APY	MIN	MAX	ACCOUNT NAME
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

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
0.45%	$100	-	1 Year IRA Certificate

Locations

Clarity Credit Union Locations
Branch Office	555 N Meridian Rd	Meridian, ID 83642-2757
Branch Office	3 W Main ST	Middleton, ID 83644
Branch Office	805 Cleveland Blvd	Caldwell, ID 83605-4150
Branch Office	1115 Albany St Rm 132	Caldwell, ID 83605-3522
Branch Office	1822 N Midland Blvd	Nampa, ID 83651
Branch Office	145 S Washington Ave	Emmett, ID 83617-2947