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 April 19, 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


Be aware of recent scams

Feb 29, 2024, 18:24 PM by User Not Found
It's important to be aware of a few of the more common techniques a fraudster will use to contact you so you can be better prepared if a situation presents itself.

We often talk about the best ways to protect yourself against scams of all kinds, whether it be in your personal life or at work. However, it’s also important to be aware of a few of the more common techniques a fraudster will use to contact you, so you can be better prepared if a situation presents itself. Some recent scams we have seen are:

A text message or phone call pretending to be your bank or credit union asking for confidential information

This is a type of account takeover fraud. Tricksters will reach out via text or call, asking you to take action for some reason. They will seem authentic and might even have information like your card number or address. They’ll ask you to give them additional information, such as your PIN, password or other sensitive data, and they will urge you to act quickly. Always confirm who the caller is by hanging up, calling your financial institution’s official phone number and confirming any information the scammer gave you. More often than not, you’ll discover it was a scam. Your financial institution can then help you re-secure your accounts.

Social media tricks including fake influencers, romance fraud, job scams or “free money” cons

Social media is the perfect place to take advantage of an unsuspecting person – swindlers can hide behind a screen and keyboard. If you see an ad by an “influencer” that seems too good to be true, it most likely is. People also use romantic cons to steal money or information from someone looking for love. If you meet someone online, don’t ever send them money. Even looking for a job online isn’t always safe – be careful where you apply for open positions. Use known companies like Indeed or ZipRecruiter. Or better yet, find the job listing on a company’s actual website and apply there. Finally, if you get a direct message on a social media channel that tells you that you won a giveaway for a million dollars and all you have to do is send a check for $10,000 to cover the taxes, report it to the police and don’t send any money – it’s definitely too good to be true.

Email phishing schemes, like a fake Amazon or Paypal charge email, as well as virus software renewal scams

Email is one of the most popular ways scammers contact you. If you get an email from a company like Amazon or Paypal but you haven’t ordered from Amazon lately, and don’t use Paypal, don’t open the email! If you’re not expecting a message from that company, it could be a scam. If you’re concerned, always reach out to the company directly via their official communication channels and ask about any of the problems in question. In an email situation, you can also check the sender’s email address. If the sender is supposed to be from Amazon but comes from, trust your gut – it’s not real.

If you receive communication claiming to be from Solarity and it doesn’t feel right, please reach out. We’re happy to help you decipher if something is legit or not. And remember – Solarity will NEVER send messages asking for sensitive account information. 

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