Credit cards that fit your life
Solarity Visa® puts the power of payment versatility in your hands. Whether you’re on a trip to Greece or a trip to the grocery store, enjoy quick, convenient access to your available credit limit, no annual fee, no cash advance fee and local servicing.*
Platinum Visa
Convenient, easy-to-use line of credit
Share Secured Visa
Ideal for establishing or rebuilding credit
Student Visa
For members ages 15-20
Reasons to love our credit cards
- No annual fee and no balance transfer fee
- No minimum interest charge
- No cash advance fee and the same rate as purchases
- Visa Account Updater (VAU) to keep transactions seamless
- Visa Secure for peace of mind while shopping online
- Near real-time fraud notifications with Visa Purchase Alerts
- Cash advances at more than 30,000 surcharge-free ATMs nationwide
Credit cards for every type of borrower
Whether you have a long credit history or are looking for a fresh start, we have credit cards to give you the spending flexibility you need.
Platinum Visa
Looking for a straightforward line of credit with a great low rate? Our easy-to-use Platinum Visa card gives you the power to make your next purchase, travel without worry or transfer existing balances from higher rate cards.
Share Secured Visa
If you’re establishing or rebuilding your credit—this is the card for you. To ensure a low rate, secured cards use a security deposit as cash collateral. With the same great features as the Platinum Visa, our Share Secured Visa can help you start improving your credit history.
Student Visa
This card is perfect for younger members who want to establish a positive credit history and learn good money habits. With the same rates and terms as our Platinum Visa, students ages 15–20 are eligible to apply (with an adult co-signer at least 21 years old).
Visa Secure and Visa Account Updater
Visa Secure
Visa Secure (formerly Verified by Visa) simply means you get access to an added layer of protection, keeping your money safer while you are shopping online. When making a purchase from a merchant participating in Visa
Secure, you may be guided through an extra step to confirm your identity. No need to do anything on your part other than follow the prompts. Visa Secure does the work to ensure it’s an authorized transaction.
Visa Account Updater
Visa Account Updater (VAU) automatically sends cardholder data to participant merchants when the card information is updated. It offers a seamless account update process without the need for direct action on
your part. For example, if your phone bill automatically charges to your credit card every month, without the VAU, you would need to update your card info yourself in the event of a new card. With VAU, Visa will send the updated card info to that
merchant for you.
If you do not wish to have your card information automatically sent to participant merchants in the event of a new card, you can opt out by calling 800.347.9222.
Please note: you must opt out before your old card has expired, or within 24 hours of ordering a new card when the old card is lost or stolen.
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Find out moreCommon questions about credit cards
To activate your Solarity debit or credit card, call 833.233.1603 and follow the automated prompts. If you run into any issues or prefer in-person assistance, feel free to stop by your nearest Solarity branch. We're happy to help!
Visa Purchase Alerts is an easy-to-use tool that helps members track spending and identify fraudulent activity early. Customize your alerts by choosing which debit or credit card transactions should trigger a notification and receive near real-time updates via text or email.
It only takes three steps to enroll in Visa Purchase Alerts:
1. Check to see if your Visa account is eligible.
2. Register your mobile device and/or email to receive Visa Purchase Alerts.
3. Choose the notification triggers that match your needs, such as transactions exceeding a set amount and online or international purchases being made.
Visa has developed a program that helps confirm your identity when you make an online purchase. This service helps make shopping online more secure by protecting against unauthorized use of your Visa card. There’s no need to download anything, install software, or register for an account. During an online purchase from your desktop, mobile or other digital device, you may be guided through an extra check to verify your identity. This helps us ensure you’re you and better protects you from fraud.
This service automatically works at checkout at participating merchants. There is no need to download anything, install software or register for your account to get this added layer of protection. When using this service, you may occasionally be prompted at checkout to verify your identity, but this is to ensure you’re you and protect you from fraud.
There is no cost to you for this service! Solarity covers the cost on your behalf to ensure you have this added protection and peace of mind.
Visa® Credit Card Rates
| APR as low as* | Minimum payment (percent of balance) | Maximum limit |
|---|---|---|
| 11.80% | 3% | $50,000 |
Disclosures
*Annual Percentage Rate (APR) accurate as of date shown and subject to change. Rate is dependent on qualification and approval. Special terms and conditions may apply. Rate may be higher based on credit history and term. No annual fee or balance transfer fee. No cash advance fee. Interest on cash advance starts accruing immediately until the balance is paid in full. Late fees will be assessed if a payment is made after the due date.
Helpful articles and information
5 ways to start passive investing
Imagine going to sleep and waking up with more money in your bank account. Sounds like a dream, right? Well, with passive investing, that is exactly what can happen.
What is passive investing?
Passive investing refers to buying a security to own it long-term. Also referred to as a buy-and-hold strategy, passive investing is a way to build wealth over time. By investing in some of the options outlined below, you can earn a passive income, meaning profits that take little to no work on your part.
Read on for five of the best ways to start passive investing.
Dividend stocks
One of the most simple passive investment methods, dividend stocks involve investing in a public company. When that company generates profits, the investors receive a portion of those earnings in the form of dividends. Investors can then decide to take the cash or reinvest in additional shares. While investing in a shiny new company may be tempting, it is safest to opt for the companies that have at least a 25-year track record of paying out substantial dividends. The latter such companies are generally referred to as “dividend aristocrats” in the S&P 500 index, which lists the 500 leading publicly traded companies in the U.S.
Bonds and bond index funds
While stocks are a way to buy an ownership stake in a company, bonds involve lending money to companies or federal, state and local governments. You then collect interest as a passive income. Bonds usually pay interest twice a year. If you hold the bond to maturity, you get back the entire principal. Because bonds are less volatile than stocks, they are generally considered to be a safer investment option, but the return on investment (ROI) is also lower.
Index funds
Index funds are mutual funds or exchange traded funds (ETFs) that include a portfolio created to match the components of a financial market index such as the S&P 500. Index mutual funds offer investors broad market exposure, as well as low operating expenses and low portfolio turnover. Investing in index funds is a wise choice for the average investor. Warren Buffet, one of the most well-known and successful investors, suggests index funds for those aiming to have savings in their later years. Index funds are thus excellent core portfolio holding options for individual retirement accounts (IRAs) or 401(k) accounts.
Real estate investment trusts (REITs)
Created by Congress in 1960 as a way for individual investors to own equity in large-scale real estate companies, REITs are an excellent investment option for those looking to diversify their portfolio. REITs are companies that own commercial real estate, that is, income-producing real estate, such as apartments, hotels, office buildings, warehouses, and malls. REITs generally pay high and growing dividends, allowing you to build passive income from real estate without the hassle of buying and managing a property yourself. Some REITs are publicly traded on stock exchanges while others are not. If you are new to investing, stick with the publicly traded REITs. These tend to be more transparent than other types of REITs.
Peer-to-peer lending
While with a direct loan individuals apply for funds through a bank or other financial institution, peer-to-peer lending is the process of acquiring a loan directly from another individual. If you have extra funds in your savings account, you may want to consider becoming a peer-to-peer lender. These lenders dole out their own money in the form of loans and earn interest in exchange. Depending on the lending platform used, you could offer loans for as little as $25. Lending through such a platform is ideal, as these platforms offer terms that may protect you in the event that an individual does not pay back your loan.