Clarity Credit Union Caldwell ID | Affordable Vehicle Loans & ATMs

Introduction

Welcome to Clarity, where your financial goals become a reality! Located at 708 N 21St Ave, Caldwell, ID 83605, our branch is dedicated to providing personalized banking solutions tailored just for you. Since our establishment in 1948, we have proudly served over 18,437 members and grown our total assets to an impressive $204,976,789. At Clarity, we believe in building strong relationships with our community. Our commitment to you goes beyond numbers; it's about creating trust and ensuring you feel supported every step of the way. With a total deposit base of $14,629,488 and loans totaling 9,718, we are here to help you with everything from personal banking to business financing. If you need to reach us by mail, please send correspondence to PO Box 500, Nampa, ID 83653. For immediate assistance or inquiries, give us a call at 208-467-6583. Our friendly team of 53 employees, led by CEO Wendy Edwards and Board President Brett Spencer, is ready to assist you during our operating hours: Monday through Thursday from 9:00 AM to 5:30 PM and Friday from 9:00 AM to 6:00 PM. Explore how we can empower your financial journey today by visiting our website at www.claritycu.com. Whether you're looking for checking accounts, auto loans, or mortgage options, Clarity is here for you every day!

Branch History & Mission

Community Engagement

Our journey has also been marked by meaningful partnerships and outreach efforts that reflect our dedication to community well-being. We engage in various initiatives that support local organizations and events, ensuring that we give back to the community that has supported us throughout the years. As we look ahead, we're excited about embracing digital advancements while maintaining ADA compliance and prioritizing customer-centric initiatives. Our online banking platform offers members easy access to their accounts anytime, anywhere. In closing, we invite you to join us at Clarity. Experience firsthand how we can help you navigate your financial journey while being part of a community-focused credit union that truly cares. Together, let's build brighter futures! For more information or assistance, feel free to call us at 208-467-6583 or visit our website at Clarity Credit Union.

Our Mission

At Clarity, our mission is clear: we are dedicated to empowering our members through exceptional financial services while actively supporting our community. We believe that by helping individuals achieve their financial goals whether it's opening a checking account, securing an auto loan, or planning for retirement we contribute to building a stronger, more resilient community. While members can visit us at our branch address for all their banking needs, official correspondence should be sent to PO Box 500, Nampa, ID 83653. Our commitment extends beyond traditional banking; we strive to make banking accessible and convenient. With features like ATM availability and drive-thru banking services, we aim to provide ease and flexibility for all our members.

Branch Location & Accessibility

Accessibility Features

Our branch is designed with accessibility in mind. You'll find ample parking right outside, including spaces for those with disabilities. We are fully ADA compliant, featuring ramps and wide doorways to ensure that everyone can access our services comfortably.

Call to Action

While members can visit us at 708 N 21St Ave, official correspondence should be sent to PO Box 500 in Nampa if needed. Have questions or want more information? Give us a call at 208-467-6583 we're here for you! Come visit us today and discover how Clarity can help brighten your financial future!

Operating Hours

Clarity's doors are open for you Monday through Thursday from 9:00 AM to 5:30 PM and Friday until 6:00 PM. Whether you need assistance with personal banking, auto loans, or any other financial needs, our dedicated team is ready to help during these hours.

Services Offered

At Clarity, we offer a range of services tailored to meet your financial needs. From checking and savings accounts to auto loans and mortgages, we have options that fit every lifestyle. Need to make a quick deposit or withdrawal? Our drive-thru service makes banking on the go simple. Plus, with ATM access available on-site, you can manage your cash anytime.

Member Eligibility

At Clarity, we believe that joining our community is the first step towards achieving your financial goals. Becoming a member at our Caldwell branch, located at 708 N 21St Ave Caldwell ID 83605, is open to anyone who lives, works, or attends school in our service area. We welcome individuals from all walks of life and are dedicated to providing a supportive environment where you can thrive financially. You'll find that being part of Clarity not only grants you access to excellent banking services but also connects you with a community committed to helping each other succeed. Opening an account with us is a breeze! Just visit our website for more details on how to get started: [Account Opening]( https://auth.claritycu.com/create-bid/personal-details ?redirect= https://banking.claritycu.com ). If you have any questions about eligibility or the membership process, feel free to give us a call at 208-467-6583. For further information regarding eligibility criteria, check out this helpful resource: Eligibility Details. We can't wait to welcome you into the Clarity family!

Business Banking & Commercial Services

Lending Options that Empower Growth

Imagine you're a local café owner looking to expand your menu or renovate your space. With our commercial loan options, you can access the funds you need to turn those dreams into reality. Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs: - We've funded over $0 in commercial loans for our members, helping businesses scale and succeed. - We also support the broader business community with $0 in non-member commercial loans, providing flexible financing solutions. - With an outstanding commercial loan portfolio of $0, we continue to drive economic growth by financing new and expanding businesses.

Merchant Services Tailored for You

In addition to lending, our merchant services make transactions easier and more efficient. Whether you're processing payments at a busy checkout or managing online sales, our solutions are designed to streamline operations. This means less time worrying about payment issues and more time focusing on what you do best: serving your customers. Visit us at 708 N 21St Ave Caldwell Id 83605 in Caldwell, ID to explore how our business banking services can elevate your company. For any inquiries, feel free to call us at (208) 467-6583. Let's work together to build the future of your business!

Comprehensive List Of Services

Business Banking Services

For our business members, we offer specialized solutions including merchant services and business loans. Whether you're just starting out or looking to expand your existing operations, our team is here to support your goals and help your business thrive.

Credit Cards and Loans

Sometimes life throws unexpected expenses your way. That's where our personal loans and debt consolidation services come into play. With competitive rates and flexible terms, we can help you regain control over your financial situation. Plus, our credit cards come with rewards that allow you to earn while you spend making every dollar work harder for you.

Digital Banking Features

In today's fast-paced world, convenience is key. That's why Clarity provides robust online and mobile banking services. You can easily manage your accounts from anywhere with features like person-to-person payments and e-statements. Our ATM services ensure that cash withdrawal is always at your fingertips, while basic drive-thru banking allows for quick deposits and withdrawals without leaving your car.

Personal Banking Solutions

We understand that managing your finances can sometimes feel overwhelming. That's why we offer a variety of personal banking services designed to simplify your life. From checking and savings accounts that help you manage daily expenses to auto loans and vehicle financing for those exciting new purchases, we aim to be there every step of the way. If you're considering a home, our mortgage loans and refinancing options can guide you through the process, ensuring you find the best fit for your budget.

Shared Branch Transactions

If you're a member of another credit union that partners with us, you'll appreciate our ability to facilitate shared branch transactions. This means you can perform essential functions like deposits and withdrawals even when you're away from your home branch.

Visit Us Today!

We invite you to experience everything Clarity has to offer at 708 N 21St Ave Caldwell Id 83605 in Caldwell, ID. Feel free to reach out via phone at (208) 467-6583 if you have any questions or would like more information about our services. Our friendly staff is ready to assist you! Your financial journey starts here let's make it a great one together!

Digital & Online Banking

Key Features

Our online banking services provide you with easy access to your accounts around the clock. You can check balances, transfer funds, and pay bills all from the comfort of your home or on the go. Plus, with our person-to-person transfer option, sending money to friends or family is just a few clicks away. For those who prefer managing their finances through mobile devices, our mobile application makes it even easier. You can download it and enjoy all the features of our online banking right in your pocket. From checking e-statements to authorizing transactions with electronic signatures, everything is designed for ease of use.

Security and Accessibility

Security is a top priority at Clarity. Our systems are equipped with advanced security measures to protect your information while you bank online. You can rest easy knowing that your transactions are safe. Additionally, we offer e-statements for those who want to go paperless and keep track of their finances more efficiently. You'll get instant access to your statements without waiting for them to arrive in the mail. In today's fast-paced world, having reliable banking options is essential. With 24/7 online banking services at Clarity, managing your money has never been easier or more accessible. Whether you're at home or on the move, we're here to help you stay on top of your finances!

Financial Strength

Committed Team

We also take pride in having 52 full-time employees and 1 part-time employees who ensure our branches are always ready to serve you with a knowledgeable, committed team. Your experience matters to us!

Growing Member Base

Total Share Accounts stand at 34,966, showing a strong and growing member base that trusts us with their finances. This trust allows us to continuously enhance the services we offer. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, Clarity is your trusted partner. Visit us at 708 N 21St Ave Caldwell Id 83605 or call (208) 467-6583 to learn more about how we can help you achieve your financial goals.

Lending Capacity

With $3,761 in used auto loans and $146,847,766 in total loans and leases, our lending capacity supports members' financial goals across various sectors. Our strong operational efficiency is reflected in our $0, enabling us to continue offering competitive loan rates and solid financial products for our members.

Member-Centric Approach

Unlike traditional banks, we prioritize our members. With non-member deposits at $6,880,000, we ensure that our resources are focused on benefiting you through better loan rates, lower fees, and exclusive perks. Additionally, our $16,090,784 in undivided earnings means we reinvest in innovative banking tools and stronger lending options to serve you better.

Secure Savings Opportunities

Members' savings are secured through $50,008,231 in share certificates, offering stable and rewarding financial growth opportunities. While our money market shares total $0, these options allow you to grow your savings effectively.

Strong Financial Foundation

With a net worth of $19,757,751, we maintain robust financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of $980 demonstrates a solid capital foundation, ensuring that we can continue providing loans, competitive savings rates, and uninterrupted services even in uncertain economic times.

Loan Offering

Auto Loans

Looking to buy a new car? Our auto loans offer some of the lowest rates in the industry, with over $61,828,153 in used vehicle loans and $8,604,703 in new vehicle loans already helping members get on the road. We provide flexible terms and competitive rates to help make your car-buying experience as smooth as possible.

Credit Lines

For those looking for additional flexibility, our credit lines totaling $29,510,445 allow you to borrow as needed while only paying interest on what you use. This can be particularly useful for unexpected expenses or planned projects. We strive to ensure that our members have access to affordable financing options tailored to their individual needs. If you're interested in refinancing your current loans or want to learn more about eligibility options, please don't hesitate to reach out. For any questions or assistance, feel free to contact us at (208) 467-6583, visit us at 708 N 21St Ave Caldwell Id 83605, or explore more online at https://www.claritycu.com/. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov , based on the latest results. We're here to help you take that next step toward your financial future!

Mortgage Loans

Thinking about homeownership? Our mortgage options, including Junior Lien 1-4 Family Residential Properties loans totaling $44,309,044, make buying or refinancing simple. We aim to provide clear guidance throughout the mortgage process so you can feel confident in your investment.

Unsecured Credit Card Loans

Managing everyday expenses? We also offer flexible terms on unsecured credit card loans, with a total of $5,557,287 in loans helping members manage their finances effectively. This option can provide you with the convenience of making purchases without needing immediate cash.

Loan Aggregator

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Ensuring Accurate Comparisons

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Take Action Today

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CLARITY CREDIT UNION - Caldwell, ID