Credit union · NCUA insured
Clarity Credit Union Auto Loan Rates
Clarity Credit Union auto loans start at 5.49% APR for a new vehicle and 7.49% for a used one. Rates checked October 22, 2026.
How Clarity Credit Union’s auto loan rates compare
Compared with banks and credit unions near Boise City, ID, where Clarity Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Clarity Credit Union
5.49%APR
- Terms
- up to 84 months
Auto Loans
Lowest rate
TruGrocer Federal Credit Union
3.99%APR
- Terms
- 24–84 months
2nd-lowest rate
First Tech Federal Credit Union
4.99%APR
- Terms
- up to 65 months
Clarity Credit Union auto loan score
68
Auto loan score
Higher than 21% of U.S. banks and credit unions
- New vehicleNew5.49%
- Used vehicleUsed7.49%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Clarity Credit Union ranks
By auto loan score, in each area where it has branches
Every rate
Current auto loan rates
Rates from the credit union’s website. Most are “as low as” rates for the best credit; yours depends on your credit, the term and the vehicle.
Auto Loans
On Approved Credit (OAC). Rates available to qualified members for new or used auto purchases, refinances on current Clarity auto loans or refinances on auto loans from other financial institutions. Up to 130% financing available for qualified buyers.
| Terms | APR | Conditions |
|---|---|---|
| up to 84 months | 5.49% | Applies to model years 2017 - 2026 / vehicles 10 years old or less with less than 150,000 miles. Terms up to 84 months. |
| up to 72 months | 7.49% | Applies to model years 2016 and older OR over 150,000 miles. Terms up to 72 months on used vehicles older than 10 years or over 150,000 miles. |
Who can join Clarity Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.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.
Membership information collected October 4, 2026.