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


Navigating the pros and cons of digital wallets

Feb 27, 2024, 22:24 PM by User Not Found
You’ve probably noticed digital wallets have gained popularity in the last few years. But, what are they, and how could they make your life easier?

You’ve probably seen that digital wallets have been gaining popularity in the last few years, both with consumers and with businesses. But, what are they, and how could they make your life easier? If you’re thinking about these questions, read on for everything you need to know to decide whether or not you’re ready to embrace this convenient technology.

What is a digital wallet?

Digital wallets are payment tools you add to your phone, smartwatch or tablet, usually in the form of an app. You enter your debit and credit card details into the digital wallet, so the app becomes a virtual version of your card. You can then use the app to make purchases online or at participating locations without having to carry your physical card with you at all times or manually enter your card and billing information. A digital wallet can store numerous payment methods and other virtual records such as event tickets, hotel reservations, coupons and even airplane boarding passes, which lets you keep everything in one place – handy!

How does a digital wallet work?

Just like a physical wallet, a digital wallet holds your various debit cards, credit cards and more. However, it uses secure software to electronically and securely transmit payment details to the vendor you are transacting with. The information is sent using a “token” of random numbers rather than your card number, keeping your actual data hidden.

Different apps allow different types of access and payments, so be sure to download and use the one that works best for you and your needs.

Are digital wallets safe?

A common hesitation with digital wallets is the concern over safety. Digital wallets are potentially more secure than your physical card, as they have extra layers of protection built into them. Physical cards can be lost or stolen and immediately used by anyone who comes across them. But digital wallets use advanced encryption techniques and authentication methods such as passwords, PINs, biometrics (like fingerprints or facial recognition) and two-factor authentication.

In addition, card numbers aren’t typically stored on the device. Instead, digital wallets often use tokenization – rather than transmitting actual card details, a unique token is generated for each transaction, reducing the risk of sensitive information being intercepted or stored by a merchant.

Experts do recommend you password-protect your phone or tablet and keep it locked when you’re not using it. Doing so adds another layer of security to your digital wallet that your physical card doesn’t have. It’s still a good idea to stay vigilant and take precautions: use strong passwords, never share your passwords or other account details and keep a close eye on your transaction history. And, if your device gets lost or stolen, make sure you disable the phone itself and freeze your accounts until they are secure again.

What are some of the most common digital wallets?

Common digital wallet apps include Apple Pay, Google Pay, Samsung Pay, Paypal, Venmo and Zelle.

There are also some “closed” digital wallets, like the Starbucks app, that are designed to be used only at a specific store.

How do I set up my digital wallet?

Enter your card information into the app or site of your choice. For your security, the card issuer may send you a one-time PIN or password as part of its authentication steps. Your information will then be encrypted, and you will only be able to use the wallet when you unlock your device and authorize the wallet’s use.

How do I make a payment or purchase with my digital wallet?

To make a payment, unlock your digital wallet, select your preferred payment method and hold it close enough to the card reader to transmit your payment details. It usually takes just a few seconds, making checkout fast and easy.

Pros of a digital wallet:

  • No more filling in your card number and billing details every time you check out online or fumbling for your wallet in the store
  • If you forget your physical cards, your digital wallet makes a great backup
  • Your payment information is saved in one protected, central location
  • You can store other information in your digital wallet such as gift cards, tickets and boarding passes
  • In many ways, digital wallets are safer with more security features than physical cards
  • Leave your card at home! You already likely carry your phone everywhere you go, so a digital wallet adds an extra level of convenience and security

Cons of a digital wallet:

  • Not all merchants accept them yet, so you may still have to bring your card with you to certain places
  • It relies on your device and battery life; your device can also be lost or stolen (another great reason to password-protect your phone!)

Despite the continued growth in mobile wallet usage, 41% of members who do not use a mobile wallet say it is because they don't know what it is or how to use it, according to a 2024 report by PSCU. Now is the time to learn! If you’d like assistance adding your Solarity debit and credit cards to your digital wallet, we can help. Stop by one of our branches or give us a call today and one of our Financial Guides can help you get things sorted out.

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