Credit union · NCUA insured
Clarity Credit Union CD Rates
Clarity Credit Union’s best CD rate is 4.20% APY on a 1-year share certificate (CD). Terms run from 6 months to 2 years. Rates checked October 22, 2026.
How Clarity Credit Union’s CD rates compare
Compared with banks and credit unions near Boise City, ID, where Clarity Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Clarity Credit Union
4.10%APY
- Term
- 12 months
- Requires
- None
- Minimum
- —
- Earns on $10,000
- $410
Share Certificates
Top rate
Horizon Credit Union
4.70%APY
- Term
- 15 months
- Requires
- Another account
- Minimum
- —
- Earns on $10,000
- $591
2nd-highest rate
America First Credit Union
4.60%APY
- Term
- 60 months
- Requires
- None
- Minimum
- $500
- Earns on $10,000
- $2,522
Clarity Credit Union CD score
86
CD score
Higher than 74% of U.S. banks and credit unions
- 3–8 months3–8 mo3.70%
- 9–15 months9–15 mo4.10%
- 16–30 months16–30 mo4.05%
- QualifiedQualified4.10%
Each track runs from the lowest to the highest rate among U.S. banks and credit unions; the dot is this rate.Qualified: needs another account or monthly activity.
Where Clarity Credit Union ranks
By CD score, in each area where it has branches
Every rate
Current CD rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
Share Certificates
Up to 4.10%APY · 3 terms
Fixed rates; higher rates for longer terms; no setup or maintenance fees; early withdrawal subject to penalty; renews automatically upon maturity after 10-day grace period; available terms range from 6 months to 2 years.
| Term | APY · $250 and up | APY · $100,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|
| 6 monthsDividend Term: Monthly. Penalty for early withdrawal | 3.70% | — | 3.70% | $183 |
| 12 monthsDividend Term: Monthly. Penalty for early withdrawal | 4.10% | 4.20% | 4.10%4.20% from $100k | $410 |
| 24 monthsDividend Term: Monthly. Penalty for early withdrawal | 4.05% | — | 4.05% | $826 |
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This may be incomplete or out of date, so check with the credit union before you apply.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.