At a glance
From its website, read 29 Oct 2026Clarity Credit Union is a credit union based in Meridian, Idaho. Its website describes auto loans, home mortgages, personal loans and 1 other loan type. Where it lends: Membership: Ada, Boise, Canyon, Gem, Owyhee, Payette and Valley counties (Idaho). Consumer loan APRs stated on its site range from 5.49% to 10%. You can start an application online.
Each point is backed by a quote further down this page. Terms change: confirm with the lender.
How to reach them and apply
| Main | (208) 467-6583 source |
|---|---|
| Toll-free | (800) 882-6583 source |
| Apply online | Page with the application link |
| Website | www.claritycu.com |
| Office (official list) | 1880 S Cobalt Pointe Way, Suite 100, Meridian, ID 83642 |
What their website says about applying
How do I apply for a loan? Clarity has several convenient ways to apply for a loan including in person, on-line at www.claritycu.com, or by fax at 208-466-0049 or just mail the application back.
source
Phone numbers and addresses are the ones on the lender's own site and the CDFI Fund list. CDFI Atlas does not take applications.
Rates and terms they state
Read 29 Oct 2026| Loan | Stated | Text on the lender's site (verbatim) | Page |
|---|---|---|---|
| Auto / vehicle loans | Rate: from 5.49% APR | As low as 5.49% APR* | source |
| Auto / vehicle loans | Rate stated, not as an APR: see their wording | 7.49% 2016 and older OR over 150,000 miles | source |
| Personal / consumer loans | Rate: from 10% APR | As low as 10.00 % APR* | source |
As published on the lender's website on that date, not an offer or a quote. Your rate depends on the lender's review. A missing rate means the pages we read did not state one. For consumer loans we repeat a rate only when the lender states it as an APR (annual percentage rate, which includes fees); otherwise read the lender's own wording and ask for the APR.
Official record
CDFI Fund list, 21 Oct 2026| Institution type | Credit union |
|---|---|
| Native CDFI | No |
| Date certified (as listed) | 10 Sep 2020 |
| RSSD ID | 761075 |
| Address | 1880 S Cobalt Pointe Way, Suite 100, Meridian, ID 83642 Directions (Google Maps) |
| Website | www.claritycu.com |
Head officeBranch or officeApproximate (ZIP code area)
Map data © OpenStreetMap contributors, © OpenMapTiles, tiles OpenFreeMap. Head-office points: U.S. Census Bureau geocoder.
Loans and eligibility
Verified from lender site on 29 Oct 2026Read from 6 pages of the lender's website on 29 Oct 2026. Quotes are verbatim. Reviewed by a person (Oct 2026). Items added later were extracted with AI help and checked automatically against the pages listed below. Confidence: high. Terms change — confirm with the lender before applying.
| Product | Amount stated | Text on the lender's site (verbatim, incl. menu labels) | Page |
|---|---|---|---|
| Auto / vehicle loans | — | Personal Loans Auto Loans | source |
| Home mortgages | — | Home Mortgage Loans | source |
| Personal / consumer loans | — | Loans & Credit Personal Loans | source |
| Small-business loans | — | Merchant Services Micro Business Loans | source |
Loan sizes
Service area
Membership: Ada, Boise, Canyon, Gem, Owyhee, Payette and Valley counties (Idaho)
Anyone who lives, works, worships or attends school in either Ada, Boise, Canyon, Gem, Owyhee, Payette, or Valley Counties is eligible to join Clarity Credit Union
source
Counties this matches: Ada County, ID, Boise County, ID, Canyon County, ID, Gem County, ID, Owyhee County, ID, Payette County, ID, Valley County, ID
Borrower focus
- Not stated on the pages we read.
Languages
- No non-English service found on the pages we read.
Online application
Yes — the site links to an application. For Your Growing Business Apply Today
source
Pages read (6)
- https://www.claritycu.com/
- https://www.claritycu.com/services-tools/financial-tools/rates.html
- https://www.claritycu.com/loans-credit/micro-business-loans.html
- https://www.claritycu.com/services-tools/financial-tools/faq.html
- https://www.claritycu.com/loans-credit/personal-loans
- https://www.claritycu.com/services-tools/financial-tools
Questions to ask when you contact them
Based on what their website said when we read it on 29 Oct 2026, and what it left out. Something missing here does not mean they don't offer it: ask.
- How do I become a member, and is there a fee or a minimum deposit?
Credit unions lend only to their members. - What are the smallest and the largest loans you make?
No loan amounts are stated on their website. - What is the APR, including fees, on your home mortgages?
Their website does not state an APR. The APR includes fees, so it is the number to compare. - What interest rate and fees should I expect on your small-business loans?
Their website does not state a rate for this. - Is there a minimum credit score, and do you consider borrowers with little or no credit history?
Their website does not say what credit history they accept. - Do you need collateral, a business plan or a minimum time in business?
Their website does not say what they require. - What documents will you need from me, and how long does a decision usually take?
Their website describes some application steps (above); ask for the full document list.
Write down the answers, who you spoke to and the date, and ask for the terms in writing before you sign.
CDFI Fund awards
CDFI Fund database, 3 Nov 2026$1.8 million in 1 award from the U.S. Treasury's CDFI Fund, 2021 (CDFI Rapid Response Program).
| Round year | Program | Amount |
|---|---|---|
| 2021 | CDFI Rapid Response Program | $1,826,265 |
Emergency Capital Investment Program (ECIP)
Treasury invested $2.3 million in this institution under ECIP, by buying preferred stock or subordinated debt (an investment, not a grant; it is not counted in the award total). ECIP type on the list: CDFI. Source: U.S. Treasury ECIP participant list (last updated Mar 2025), downloaded 3 Nov 2026.
These are awards and investments made to the institution itself to build its capital and capacity. They are not loans to borrowers, and an award does not mean the lender has money available for a particular loan today.
Source: CDFI Fund Searchable Awards Database, all 12,628 award records (1996–2025), read 3 Nov 2026. Years are the award round as the database lists it. Matched to the official CDFI list by exact name and state; see the method on the About page.
Branches and size
NCUA, 30 Jun 2026On file with the NCUA as CLARITY (charter 68295). Source: NCUA 5300 Call Report quarterly data (public data) as of 30 Jun 2026, downloaded 3 Nov 2026: total assets, members and branch addresses.
| Total assets | $235.6 million (as of 30 Jun 2026) |
|---|---|
| Members | 19,344 (as of 30 Jun 2026) |
| Offices | 7 (as of 30 Jun 2026) |
Offices by state and county (7)
Idaho (7 offices)
- Ada County (2): 1880 S Cobalt Point Way, Meridian 83642 (main office); 555 S Meridian Rd, Meridian 83642
- Canyon County (3): 708 N 21st Ave, Caldwell 83605; 3 W Main St, Middleton 83644; 1822 N Midland Blvd, Nampa 83651
- Gem County (1): 415 S Washington Ave, Emmett 83617
- Owyhee County (1): 600 Hwy 95, Homedale 83628
An office shows where the lender has a branch, not where it lends or whom it lends to. Credit unions serve members only; check who can join. For the ZIP-code search, credit-union offices are placed at the centre of their ZIP code (approximate).
What the regulator filing shows
NCUA 5300, 30 Jun 2026Figures from the 5300 Call Report filed by Clarity Credit Union (NCUA charter 68295, filed as “CLARITY”). Source: NCUA 5300 Call Report quarterly data (public data), cycle 30 Jun 2026; year-earlier figures from the 30 Jun 2025 cycle; downloaded 3 Nov 2026.
| Total loans and leases | $165.9 million, 10,232 loans (as of 30 Jun 2026) |
|---|---|
| Change over the year | Up 17.4% from $141.4 million on 30 Jun 2025 |
| Members | 19,344 (as of 30 Jun 2026); 18,705 (as of 30 Jun 2025) |
| Loans per member | $8,578 (total loans divided by members, 30 Jun 2026) |
| Total assets | $235.6 million (as of 30 Jun 2026) |
Loan mix (balances on 30 Jun 2026)
| Loan category | Balance | Share |
|---|---|---|
| New vehicle loans | $7.4 million | 4.5% |
| Used vehicle loans | $64.3 million | 38.7% |
| First-lien home mortgages (1-4 family) | $4.2 million | 2.5% |
| Other real estate loans (junior liens, other) | $55.7 million | 33.6% |
| Commercial (business) loans | $314,710 | 0.2% |
| Credit cards | $7.4 million | 4.5% |
| Other unsecured loans | $7.8 million | 4.7% |
| Leases and other secured loans | $18.9 million | 11.4% |
Balances are loans outstanding on the report date, not loans made during the year. A category with no balance does not mean the credit union never makes that kind of loan. Credit unions lend to members only; check who can join.
How it compares
Computed from public data| Measure | This lender | Compared with |
|---|---|---|
| Total assets (Call Report, 30 Jun 2026) | $235.6 million | Larger than 56% of the 284 other certified credit unions nationwide (median $181.2 million). |
| Loans as a share of assets | 70% | Median of the same 284 credit unions: 69%. A higher share means more of its balance sheet is lent out. |
| Loans held, 30 Jun 2025 → 30 Jun 2026 | $141.4 million → $165.9 million (+17%) | Median change of 282 other certified credit unions nationwide: +3%. Rank by loans held among these 283: 128 → 121. |
How these comparisons were worked out
| Measure | Peer group (this lender left out) | Peers | Where this lender sits |
|---|---|---|---|
| Call Report total assets | other certified credit unions nationwide | 284 | larger than 56% |
| Loans held then vs now | certified credit unions nationwide reporting both dates | 282 | rank 128 → 121 of 283 |
“Larger than X%” = the share of the peer group with a smaller value. Ranks count from the largest. Peer groups use the lender's home state when it has at least 5 peers, otherwise the whole country. Full definitions: methodology.
For comparison, not an offer and not a rating. Past records show what this lender did, not what you would be offered. Peer groups and sources: methodology. Assets and loans: FFIEC and NCUA Call Reports (see the loan-mix section).
Other certified CDFIs in Meridian and Idaho
- Connections Credit UnionCredit union · Pocatello, IDAuto / vehicle loans, Home mortgages, Personal / consumer loansVerified
- LEAP Loan Fund, IncLoan fund · Boise, IDVerified
- NHS Lending, Inc.Loan fund · Boise, IDHome mortgagesVerified
- NewWest Community Capital, Inc.Loan fund · Boise, IDAffordable housing development loans, Nonprofit / community facility loansVerified
- Nimiipuu Community Development FundLoan fund · Lapwai, ID · Native CDFIOfficial list only
- Pocatello Neighborhood Housing Services, Inc.Loan fund · Pocatello, IDOfficial list only
Work at Clarity Credit Union? Link to this page
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