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 Icon

Platinum Visa

Convenient, easy-to-use line of credit

Share Secured Visa Icon

Share Secured Visa

Ideal for establishing or rebuilding credit



Young Adult Visa

For members age 15-20

Solarity Credit Union Credit Cards Washington

Reasons to love our credit cards

  1. No annual fee and no balance transfer fee
  2. No foreign transaction fee, which makes them perfect for travel
  3. No minimum interest charge
  4. No cash advance fee and the same rate as purchases
  5. Cash advances at more than 32,000 surcharge-free ATMs nationwide
  6. Visa Account Updater (VAU) to keep transactions seamless
  7. Visa Secure for peace of mind while shopping online
  8. Near real-time fraud notifications with Visa Purchase Alerts

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.

Common questions about credit cards


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

Rates accurate as of March 01, 2024
APR as low as* Minimum payment (percent of balance) Maximum limit
11.80% 3% $50,000


*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


A fresh start: preparing your home for the New Year

Dec 1, 2023, 20:58 PM by User Not Found
As the year comes to an end, many of us are eager to embrace a fresh start. While resolutions often focus on personal goals, don't overlook the importance of preparing your home for a positive and organized jumpstart.

As the year comes to an end, many of us are eager to embrace a fresh start. While resolutions often focus on personal goals, don't overlook the importance of preparing your home for a positive and organized jumpstart. Take note of these practical tips to help you prep your home for the new year, creating a clean and revitalized living space.

1. Declutter and organize:

Start the new year with a clean slate by decluttering and organizing your living spaces. Make it feel manageable by tackling one room at a time. Donate or discard items you no longer need and invest in updated storage solutions to keep belongings neatly organized.

2. Deep cleaning:

Give your home a thorough deep clean to remove dust, grime and any lingering odors. Pay attention to overlooked areas like baseboards, ceiling fans and vents. Consider professional services for tasks like carpet cleaning or window washing to ensure your home is spotless!

3. Home maintenance and repairs:

Create a home maintenance checklist to address any lingering repairs or tasks that have been put off. This could include fixing leaky faucets, repairing squeaky doors or checking and replacing filters in your HVAC system. By addressing these issues in January, you'll set the tone for a smoother and more comfortable year ahead.

4. Energy-efficient updates:

Consider making your home more energy-efficient in the new year. Upgrade to LED light bulbs, install a programmable thermostat and seal any drafts around windows and doors. These changes not only contribute to a greener environment but can also lead to long-term cost savings on your energy bills.

5. Digital detox:

In today's electronic age, it's essential to extend the concept of decluttering to your digital life. Spend some time organizing your virtual files, cleaning up your inbox and updating software on your devices. A digital detox can help create a more efficient and streamlined digital environment, freeing up storage space and making things easier to find when you need them.

6. Financial organization:

Finally, start the new year with financial peace of mind by organizing your financial documents. Create a system for bills, receipts and important documents. Consider using digital tools for budgeting and expense tracking to stay on top of your financial goals. Schedule a free financial consultation with one of our Financial Guides to help you evaluate where you stand today and steps you can take to build your financial future. Contact us today to get started! We’d love to hear from you.

As we usher in the new year, taking the time to prep your home is an investment in your well-being and peace of mind. Whether it's decluttering, deep cleaning or making energy-efficient updates, these small steps can have a profound impact on the atmosphere of your living space. By starting the year with an organized and revitalized home, you set the stage for a positive and productive year ahead!