Credit union · NCUA insured
Clarity Credit Union
A $231.4M credit union headquartered in Meridian, ID, with 19,344 members and 6 branches in Idaho. Best rates: CDs 4.20% and savings 0.25% APY.
Clarity Credit Union Carrot Score
73
Carrot Score
Higher than 34% of U.S. banks and credit unions
#19 of 35 in Boise City, ID metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About Clarity Credit Union
Clarity Credit Union is a not-for-profit cooperative dedicated to Southwestern Idaho.
Founded in 1948 by railroad employees as Idadiv Railway Credit Union, it was later shortened to Idadiv Credit Union.
- Headquarters
- 1880 S Cobalt Point Way, Ste 100, Meridian, ID 83642
- NCUA charter
- 68295
Membership
Who can join
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Membership is open to anyone who lives, works, worships, or attends school in Ada, Boise, Canyon, Gem, Owyhee, Payette, or Valley counties.
Family and household
- Direct family members of current Clarity members are eligible for membership.
Cost to join
- A minimum $5.00 deposit into a Share Savings account is required for membership.
Branches
6 branches in Idaho
Loading map…
Idaho
6 branches
- Caldwell Branch708 N 21st Ave, Caldwell, ID 83605Directions
- Emmett Branch415 S Washington Ave, Emmett, ID 83617Directions
- Homedale Branch600 Hwy 95, Homedale, ID 83628Directions
- Meridian Branch555 S Meridian Rd, Meridian, ID 83642Directions
- Middleton Branch3 W Main ST, Middleton, ID 83644Directions
- Nampa Branch1822 N Midland Blvd, Nampa, ID 83651Directions
Walk-in offices from the NCUA directory as of March 31, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
Well capitalizedas reported to the NCUA
| Measure | This credit union | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalNet worth ratio | 9.74% | 11.43% | 13.58% or more |
| Troubled loans60+ days late | 0.99% | 0.68% | 0.39% or less |
| ProfitabilityReturn on assets | 0.36% | 0.75% | 1.18% or more |
| LendingLoans per $100 deposited | $77 | $76 | — |
- CapitalNet worth ratio9.74%Peers’ middle 11.43% · Top 25% 13.58%+
- Troubled loans60+ days late0.99%Peers’ middle 0.68% · Top 25% ≤0.39%
- ProfitabilityReturn on assets0.36%Peers’ middle 0.75% · Top 25% 1.18%+
- LendingLoans per $100 deposited$77Peers’ middle $76
Compared with the 1,338 credit unions with $100 million to $1 billion in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are loans 60 or more days late.
Regulators’ own ratings of Clarity Credit Union are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.