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 foreign transaction fee, which makes them perfect for travel
- No minimum interest charge
- No cash advance fee and the same rate as purchases
- Cash advances at more than 32,000 surcharge-free ATMs nationwide
- 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
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
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
Refinancing your car: 5 things to consider
Are you looking to lighten your financial load? Refinancing your auto loan might be the answer. Not only can it help you lower your monthly payment by securing a better interest rate, but you may also be able to reshape the terms of your loan.* Before you jump in, let’s explore five key factors to help you decide if refinancing your auto loan is right for you.
1. Save money with lower rates
Interest rates have an impact on any loan. If rates have dropped since you financed your car, refinancing could save you hundreds, even thousands, of dollars over the life of your loan. Lowering your rate doesn’t just reduce your monthly payment, but it can also significantly cut the total interest you pay.
If your current loan rate is higher than what’s available today, refinancing could free up extra cash for your budget. Give our auto refinance calculator a spin to see your potential savings.
2. Adjust your loan term
Refinancing doesn’t just let you lock in a better interest rate - it also allows you to adjust your loan term and unlock equity. This flexibility can be crucial for meeting your financial goals:
- Looking for lower monthly payments? A longer loan term could reduce your payment amount and improve cash flow.
- Want to pay off your loan faster? Opting for a shorter term may increase your monthly payments, but it can help you save on total interest, shortening the distance between you and financial freedom.
- Need quick access to cash? Consider a cash-out refinance which allows you to borrow against your car’s equity, providing a financial lifeline that can help you cover bills or unexpected expenses.
3. Understand the costs of refinancing
Refinancing an auto loan is usually a quick and straightforward process, but it’s important to consider a few things before proceeding. Be mindful of fees such as application costs, title transfer charges, or prepayment penalties from your current lender. These costs can vary widely and may sometimes outweigh the benefits of refinancing.
At Solarity Credit Union, we make your journey to refinancing smoother by offering no application fees or prepayment penalties.
Meet Bobby, a Solarity member, who couldn't believe how easy it was to refinance and save each month.
4. Check your credit score
Your credit score plays a significant role when determining interest rates and terms you’ll qualify for when refinancing. If your score has improved since you took out your original loan, you may now qualify for a lower rate.
Not sure where you stand? Schedule a free financial consultation with one of our Solarity experts. We can help you assess your options and determine whether refinancing is right for your financial situation.
5. Shop around for your lender
Not all lenders offer the same refinancing terms, so it’s worth comparing your options. Different banks, credit unions and online lenders have unique rates and benefits. Look for a lender that offers competitive rates and provides perks that align with your financial goals.
At Solarity Credit Union, we pride ourselves on going the extra mile for our members. Refinancing with us means you’ll get great rates, no application fees and member perks like Skip-a-Pay. Our exclusive program lets you pause a loan payment when you need some extra breathing room.
Conclusion
Refinancing your car loan can be a powerful tool for shifting gears on your financial journey, but it’s not a one-size-fits-all solution. By carefully considering interest rates, loan terms, fees, credit score and lender options, you can make an informed decision that aligns with your unique financial goals.
If you’re still unsure whether refinancing is right for you, Solarity Credit Union is here to help. Our experts can guide you through the process and ensure that you’re making the best choice for your needs. Call us, visit a branch or explore our refinancing options today to start saving.
*All loans subject to credit approval. Rate, monthly payment, loan terms and cash-out options may vary based on credit history.