Credit union · NCUA insured
Clarity Credit Union Savings Rates
Clarity Credit Union’s best savings rate is 0.25% APY on $10,000, with its Regular Share Savings. Rates checked October 22, 2026.
How Clarity Credit Union’s savings 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
0.25%APY
- Minimum
- $5
- Earns on $10,000 a year
- $25
Regular Share Savings
Top rate
America First Credit Union
3.95%APY
- Minimum
- $0
- Earns on $10,000 a year
- $395
2nd-highest rate
WaFd Bank
3.82%APY
- Minimum
- $0
- Earns on $10,000 a year
- $382
Clarity Credit Union savings score
71
Savings score
Higher than 29% of U.S. banks and credit unions
- $1,000 balance$1,0000.25%
- $10,000 balance$10,0000.25%
- $100,000 balance$100,0000.25%
- QualifiedQualified0.25%
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 savings score, in each area where it has branches
Every rate
Current savings rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
Regular Share Savings
0.25%APY
Establishes membership with the credit union.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $5 and upDividends paid quarterly on entire balance.$5 and up | 0.25% | $25 | Dividends paid quarterly on entire balance. |
Idaho Medical Savings Account (MSA)
0.20%APY
Available to every Idahoan. Tax deductions can only be taken on Idaho income tax returns. Individuals may contribute up to $10,000 each calendar year; married couples filing jointly can contribute up to $20,000.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $5 and upMaintain $50 minimum average balance to obtain the disclosed APY; dividends paid quarterly.$5 and up | 0.20% | $20 | Maintain $50 minimum average balance to obtain the disclosed APY; dividends paid quarterly. |
Special-purpose accounts
Holiday Club Account
5.00%APY
Maximum yearly contribution is $7,500. Funds automatically deposited to a Clarity Credit Union Regular Share account on November 1 of each calendar year. Early withdrawal before November 1 will result in account closure and penalty equal to all dividends on the amount withdrawn/unpaid dividends.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $5 and upCompetitive dividends on entire balance, paid November 1.$5 and up | 5.00% | $500 | Competitive dividends on entire balance, paid November 1. |
Vacation Club Account
5.00%APY
Maximum yearly contribution is $7,500. Funds automatically deposited to a Clarity Credit Union Regular Share account on June 1 of each calendar year. Early withdrawal before June 1 will result in account closure and penalty equal to all dividends on the amount withdrawn/unpaid dividends.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $5 and upCompetitive dividends on entire balance, paid June 1.$5 and up | 5.00% | $500 | Competitive dividends on entire balance, paid June 1. |
Sources (2)
- claritycu.com/services-tools/financial-tools/rates.html
- claritycu.com/accounts/persona…vings/club-accounts.html
All captured Oct 15, 2026
Youth Club Account
5.00%APY
Available for members ages 17 and under. When the member turns 18, account will be closed at nearest maturity date following birthday. Maximum yearly contribution is $7,500. Funds paid into a Clarity Youth Share Account on April 1 each calendar year. Early withdrawal before April 1 results in account closure and penalty equal to unpaid dividends earned.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $5 and upCompetitive dividends on entire balance, paid on April 1.$5 and up | 5.00% | $500 | Competitive dividends on entire balance, paid on April 1. |
Youth Share Savings Account
0.25%APY
Available to young savers up to 12 years old; upon reaching age 13, account converts to Regular Share savings.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $5 and upDividends paid quarterly on entire balance.$5 and up | 0.25% | $25 | Dividends paid quarterly on entire balance. |
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.