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Clarity Credit Union

Overview
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Clarity Credit Union is a federally insured state credit union based in Nampa, Idaho. It has been opened since 1948, for 72 years.

With around $77,930,000 in assets, Clarity Credit Union is considered to be a large credit union. It has 6 branches and 6 ATM locations.

About
Address Po Box 500
Nampa, Idaho 83653
Website http://www.claritycu.com
Phone (208) 467-6583
Fax (208) 466-0049
CEO Wendy Edwards
President of the Board Brett Spencer
Services Offered
Map
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Score Card
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72 years
Years in business
Opened in 1948
Well Capitalized
Net worth classification
Source: NCUA
14,759 members
Membership type: State chartered natural person credit union
Above average number of members
347:1
Credit union member to staff ratio
347 per each FTE employee
Compared to 411:1 nationally
Average number of staff
$77,934,663
Total assets
Above average
6 branches
Compared with an average of 4 nationally and 5 in Idaho
Above average number of branches
0.15%
Savings interest rate
Compared to 0.3% nationally
13.50%
Unsecured credit card loan interest rate
Compared to 10.8% nationally
Branches
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6 branches
Compared with an average of 4 nationally and 5 in Idaho
Above average number of branches
Clarity Credit Union Branch Locations

Clarity Credit Union: Emmett Branch
145 S. Washington Avenue
Emmett, Idaho 83617
ATM Available
Clarity Credit Union: Middleton Branch
3 W. Main Street
Middleton, Idaho 83644
ATM Available
Clarity Credit Union: Nampa Branch
1822 North Midland Boulevard
Nampa, Idaho 83651
ATM Available
Clarity Credit Union: Meridian Branch
555 North Meridian Road
Meridian, Idaho 83642
ATM Available
Clarity Credit Union: Court House Branch
1115 Albany Street Rm 132
Caldwell, Idaho 83605
ATM Available
Clarity Credit Union: Caldwell Branch
805 Cleveland Boulevard
Caldwell, Idaho 83605
ATM Available
Members
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14,759 members
Membership type: State chartered natural person credit union
Above average number of members

With 14,759 members, the Clarity Credit Union is considered to be a large credit union. It is larger than 77% of credit unions.

Fees
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$65
Average fee per member
The average fee per member at the Clarity Credit Union is $65, which is high compared to most credit unions. This rate is higher than 63% of all credit unions.
Fees are higher than average

Credit unions, like banks, charge members various fees, such as overdraft fees, ATM fees, credit card fees, inactivity or dormat account fees, and more.

The average fee per member gives you a general sense of how much you might pay in fees as a member of the Clarity Credit Union. Some credit unions tend to charge more fees, while others charge less.

Staff
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347:1
Credit union member to staff ratio
347 per each FTE employee
Compared to 411:1 nationally
Average number of staff
42 staff members
FTE (full-time equivalent)
2% of employees are part-time
42 full-time, 1 part-time

Clarity Credit Union has 42 full-time staff members and 1 part-time staff members. The staff is predominantly comprised of full-time staff, at approximately 98% of the workforce.

The number of members relative to staff members is an indication of how well staffed the credit union is. Clarity Credit Union has around 347 members per staff, an average ratio compared to other credit unions. This is a somewhat well staffed credit union.

Assets
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$77,934,663
Total assets
Above average
Net worth
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Well Capitalized
Net worth classification
Source: NCUA
A well capitalized credit union has a net worth ratio of 7% or greater and also meets applicable risk-based net worth requirements, according to the National Credit Union Administration.
8.3%
Net worth ratio
A higher net worth ratio is better.
Compared to an average of 13.6% nationally

A credit union's net worth ratio is one of the most important metrics you should consider when deciding whether to join a credit union. Why? It's a measure of financial strength

The net worth ratio is equal to a credit union's net worth divided by its assets. According to the National Credit Union Administration, a minimum net worth ratio of 7% is required to be considered to be a well capitalized credit union.

Loans & leases
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$6,755
Average loan and lease size
Loan & lease sizes are small. They are smaller than at 80% of credit unions.

Clarity Credit Union holds a total of $50,250,000 in loans and leases, which is about $6,755 per member on average.

Savings interest rate
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0.15%
Savings interest rate
Compared to 0.3% nationally

A credit union share account is an account at a credit union. It's called a share account because the credit union is member owned and as a result, members own shares in the credit union.

A share savings account pays you interest on your savings, similar to a savings account at a bank. The interest you receive can vary. Clarity Credit Union pays 0.15%.

Loan rates
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13.50%
Unsecured credit card loan interest rate
Compared to 10.8% nationally
8.00%
Unsecured non-credit card loan interest rate
Compared to 11.2% nationally
4.24%
Other secured non-real estate loans and lines of credit interest rate
Compared to 5.3% nationally
Car loan rates
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2.74%
New car loan rate
Compared to 4.0% nationally
2.74%
Used car loan rate
Compared to 5.2% nationally
Mortgage rates
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6.00%
Mortgage rate (secured by junior lien)
Compared to 3.4% nationally
5.74%
Mortgage rate (secured by 1st lien)
Compared to 3.3% nationally