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
Should you refinance your auto loan this year?
If you are looking for ways to lower your car payment or save money in the new year, refinancing your auto loan may be worth considering. An auto loan refinance replaces your current car loan with a new one, ideally with a lower interest rate, better terms or both.
Refinancing is not the right move for everyone. Here is how to tell if refinancing your car loan this year makes sense for you, what benefits to look for and how to find the lowest auto refinance rates.
What is auto loan refinancing?
When you refinance a car loan, you take out a new loan to pay off your existing auto loan. The new loan may come with updated terms, such as:
- A lower interest rate
- A shorter or longer loan term
- A different monthly payment amount
- A new lender, such as a credit union
The goal is to reduce the total cost of your loan or make your monthly payment more manageable.
When does it make sense to refinance your auto loan?
Refinancing may be a smart option if one or more of the following apply to you.
You want a lower monthly car payment
One of the most common reasons people refinance is to lower their car payment. You may be able to do this by qualifying for a lower interest rate or adjusting your loan term.
Keep in mind that extending your loan term can reduce your monthly payment but may increase the total interest paid over time.
Interest rates are lower than when you financed
If interest rates have dropped since you originally financed your vehicle, refinancing could help you secure a better rate. Even a small reduction in your interest rate can lead to noticeable savings over the life of your loan.
Your credit score has improved
If your credit score has gone up since you took out your original loan, you may now qualify for lower auto refinance rates. Improved credit often leads to better loan terms, especially when refinancing through a credit union.
You did not shop around the first time
Many borrowers accept dealership financing for convenience. Refinancing gives you another opportunity to compare lenders and potentially find more favorable terms.
How much can you save by refinancing?
The amount you can save depends on your loan balance, interest rate, and remaining loan term. Refinancing may help you:
- Reduce the total interest paid over time
- Pay off your vehicle sooner with a shorter term
- Improve monthly cash flow with a lower payment
Using an auto loan calculator can help you estimate how refinancing could affect your monthly payment and overall loan cost.
How to get the lowest auto refinance rates
If you want to qualify for the lowest auto refinance rates, there are a few steps you can take to prepare.
- Check your credit report and correct any errors
- Pay down existing debt to improve your debt to income ratio
- Refinance earlier while your vehicle still holds more value
- Compare lenders, including credit unions, which often offer competitive rates and fewer fees
Because credit unions are member owned, they often focus on offering lower rates and more flexible loan options.
What to consider before refinancing your car loan
Before you refinance, it is important to review the details of both your current loan and the new offer.
Ask yourself:
- Does my current loan have a prepayment penalty?
- How much time is left on my existing loan?
- Will extending the loan term increase the total cost?
- Does refinancing support my financial goals this year?
Refinancing works best when it improves both your short term budget and your long term financial health.
How to refinance a car loan
The process to refinance a car loan is usually simple and straightforward.
- Gather your current loan details, including your balance and payoff amount
- Apply with a lender that offers auto loan refinancing
- Review the new interest rate, loan term and monthly payment
- If approved, the new lender pays off your existing loan
- Begin making payments under the new loan terms
Many lenders allow you to apply online, making refinancing quick and convenient.
Is auto loan refinancing right for you this year?
If one of your financial goals this year is to save money, reduce monthly expenses or simplify your finances, refinancing your auto loan may be worth exploring. Even if you are unsure, reviewing your options can help you decide whether better terms are available.
If you are considering refinancing your car loan, Solarity Credit Union offers competitive auto refinance options designed to help you save. Whether your goal is to lower your car payment, secure a better interest rate or simplify your finances, our team is here to help.
Learn more about Solarity’s auto loan refinance options and see if refinancing is right for you.