Your financial partner for the road ahead

Welcome and thank you for choosing Solarity Credit Union for your new loan! When you opened your loan, you automatically became a member of Solarity, entitled to all the same benefits other members already enjoy. A little about us:

  • Member focused. We're a credit union, owned by our members, which means we answer to you rather than stockholders. This lets us return earnings to you in the form of better rates and lower fees.
  • Savings account. When you have a loan with us, you also automatically get a savings account with an initial $5 deposit. This unlocks all of your member benefits.
  • Full-service. We’re excited you’ve joined us. When you’re ready, we are here to help with all of your banking and borrowing needs.

What to expect in your first two weeks with Solarity:

  1. You'll receive a Welcome Packet in the mail with account disclosures, payment coupons and more
  2. A Solarity team member will be reaching out by phone to welcome you and answer any questions

You have options for making your first loan payment

How to make your loan payment

When it comes to making your loan payment, you have options! Do you prefer to mail a check? Or set up automatic payments for peace of mind? Either way, we’ve got you covered. Let’s explore your payment options.

ACH (automatic payments)

To set up automatic payments from another financial institution, use our routing number (#325183738) and your loan account number (check your Welcome Packet if you are having trouble finding your account number).

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One-time payment

If you're more of a pay-as-you-go person, you can make a one-time payment using our Smart Pay online payment portal. You can also create an account within the portal for more payment options.

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Payment coupon

You should receive payment coupons with your Welcome packet. Mail your coupon and payment to: Solarity Credit Union, P.O. Box 2922 Yakima, WA 98907

Over the phone

We can help you set up a Pre-authorized Automatic Transfer with your primary financial institution over the phone.  We can also accept your loan payment by phone for a $10 service fee. Give us a call at 800.347.9222.

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Three options

If you haven't already provided your proof of insurance, please use one of these methods to submit it to State National Insurance Company (

  1. Upload to State National's website
  2. Call State National at 866.576.7893
  3. Fax your proof of insurance to 877.266.8690

Upload your insurance information

Now that your new vehicle is loaded up for your next adventure, it’s important to protect it. Solarity requires proof of insurance, and State National Insurance Company helps manage this for us. If you haven't already provided this to us, it is important to take care of it right away.

  • Upload. If you know your reference ID and PIN, visit the State National website ( to upload your insurance information
  • Call. Get in touch with State National at 866.576.7893 for answers to any insurance questions you may have
  • Fax. Submit your proof of insurance by fax to 877.266.8690.

Important information icon ATTENTION

If you receive a notice from State National requesting proof of insurance, act immediately

Failure to provide timely proof of insurance may result in automatic enrollment in a collateral protection insurance program, which can be costly.

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A checking account makes paying your loan even easier

Now that you have your loan with Solarity, it's time to add a checking account and direct deposit to make it even more convenient to make your payment on time, every time.

With online and mobile banking, you can easily keep track of your loan balance, set up automatic transfers, make extra payments to help pay off your loan faster and more.*

  1. Manage your loan, savings and checking accounts all in one place
  2. Set up loan payment due date reminders in the Solarity mobile app
  3. Schedule and easily manage automatic, recurring transfers to your loan
  4. Online and mobile banking for 24/7 access to your accounts
  5. Get paid up to two days earlier with direct deposit**

Online and mobile banking: keep track of your loan anytime, anywhere

If you haven't already enrolled for online banking or downloaded the mobile app yet, get ready to be impressed. There are so many reasons to love these helpful tools.

  1. SECURE. We use the latest safety measures including anti-virus protection, firewalls and encryption
  2. CONVENIENT. Always within reach, whenever you need it. We go where you go!
  3. ON YOUR SCHEDULE. 24/7 access to your loan balance, payment reminders and more

How do I enroll in online banking?

Setting up online banking is easy at Solarity Credit Union. Check out this video as we walk you through the steps.

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Have questions about your loan or membership?

Get in touch with us. We're here to help!

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Do you need to speak with someone about your loan? Call 800.347.9222.

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Come say hi

Stop by a branch to say hello and get to know your local financial experts.

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What other members are saying about Solarity:


"I have been a member for over 30 years. Solarity has helped me buy cars, property and save for my childrens’ college!"

-Joanne M., member since 1982

"I have been with Solarity for more than twenty years and have always been very happy with the service and support I have received. From vehicle loans to handling my mortgage, I have always experienced exceptional service."

-Mitchel G., member since 1996

"I tell friends and family Solarity is a great place to bank. The service people are very helpful, it’s just convenient and it’s a safe place for your money."

-Kim W., member since 2003


Common questions about consumer loans at Solarity

We provide a 15-day grace period on auto loans before a late fee is charged to your loan. If you are having trouble making your loan payments, please reach out to us at 800.347.9222 and ask to talk with our Debt Solutions department who is happy to discuss your options.

You can make your payment online at any time.

Make A Payment

Yes! Solarity offers Skip-a-Pay for various types of loans, including cars, trucks, boats and more. Skip-a-Pay allows members to defer making their loan payments for a specific period, providing them with some financial flexibility when needed. Click here to learn more about how this service works, or give us a call at 800.347.9222 to get started!

To change the due date for your loan payment, you would need to sign a change in terms agreement. Simply give us a call at 800.347.9222 to get started.

When requesting a new due date, please keep in mind:

  • You may only request to change your due date twice for the life of the loan
  • The new due date may not be more than 15 days past the original due date

You can make payments over the phone, however, there is a $10 processing fee. The options below are free of charge:

  • You can transfer funds from you Solarity account to your Solarity loan through online banking or our mobile app.
  • Automatic payments are a quick and effortless way to guarantee your payments are always made on time without hassle. You can enroll in automatic payments online and choose to either pay with a card or have the funds come directly from your financial institution.
  • If you would prefer not to enroll online, but would still like the convenience of automatic payments, please fill out a Pre-Authorized Transfer form. Give us a call at 800.347.9222, and we would be happy to assist.

Make a payment

When you open an account at Solarity, you are given a member number. Most often a 6-digit number, it may contain a preceding ‘s.’ Omit the ‘s’ and use numeric characters only when making your Solarity loan payment. Your Solarity account number may look something like this: 0000123456-01. Do not enter the preceding zeros or the last two digits.

If you have questions regarding your account number or how to find it, please call 800.347.9222.



Helpful articles and information


What is a 7/1 ARM?

A 7/1 ARM is an Adjustable-Rate Mortgage (ARM) that has a fixed rate for the first seven years of the loan and then adjusts each year thereafter.

Solarity surpasses blood drive goal, filling critical need in the Yakima Valley

Solarity Credit Union teamed up with the Red Cross Yakima Blood Donation Center to host a blood drive to collect desperately-needed units of blood.

Selah food drive: generosity of Solarity members and employees aids local food bank

Thank you to our members and employees who supported Solarity's March food drive benefitting the Selah Naches Food Bank!

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Early access to direct deposit funds is not guaranteed. It is subject to the payer and the timing of the payer's submission of the payment file. We generally make these funds available on the day they are received, which may be up to 2 days earlier than the scheduled payment date.