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



Student Visa

For members ages 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 July 05, 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


What is a 7/1 ARM?

May 7, 2024, 21:38 PM by Haley McCullough
A 7/1 ARM is an Adjustable-Rate Mortgage (ARM) that has a fixed rate for the first seven years of the loan and then adjusts each year thereafter.

What is a 7/1 ARM?*

A 7/1 ARM is an Adjustable-Rate Mortgage (ARM) that has a fixed rate for the first seven years of the loan, and then adjusts each year thereafter. You may also see ARMs with different adjustment periods such as 10/1 (fixed rate for 10 years, adjusting every one year after), 5/6 (fixed rate for 5 years, adjusting every 6 months after) and 3/1 (fixed rate for 3 years, adjusting every one year after). The initial fixed rate period for an ARM usually has a lower interest rate compared to traditional fixed rate mortgages, making it a great option for some potential homebuyers.

How does a 7/1 ARM work?

You apply for an ARM the same way you would for other mortgages. When you close on your home loan, your interest rate is locked in for the entirety of the introductory period. Once the fixed-rate period ends, the interest rate can fluctuate, either up or down, depending on market conditions. This flexibility doesn’t make sense for all potential homebuyers – falling rates can lead to lower payments, but rising rates do just the opposite. And, the rate will continue to change until you refinance or pay off the loan in its entirety. It's important to think about all aspects of an ARM to see if it may be right for your situation.

When is an ARM a good fit?

An ARM may be a good fit for a potential homebuyer looking for smaller monthly payments up front and for those planning to stay in their homes 5-7 years or less. ARMs might work well for those planning to refinance their mortgage down the road and for buyers with a strong, consistently reliable cash flow. ARMs may also be a good option for first-time homebuyers who don’t plan to be in their home longer than the fixed-rate period.

ARMs may not be suitable for people planning to stay in their home long-term or who are not prepared for potential rate increases when the fixed-rate period ends.

Pros of a 7/1 ARM:

  • Interest rates can be a full percentage point lower than a 30-year fixed mortgage
  • This could mean a lower monthly payment and more home for your dollars
  • A lower payment can free up income for other expenses or to put into savings
  • Your rate is fixed for the introductory period, giving you time to refinance or sell before the rate changes
  • Your monthly payments might be lower if interest rates fall after your fixed-rate period

Cons of a 7/1 ARM:

  • Rates have the potential to rise after your fixed-rate period
  • This could increase your monthly payment and cost you more in the long run

Key terms of an ARM

  • Fixed-rate period: the period for which you pay your starting rate, typically 3, 5 or 7 years. This is typically the first number in the name of an ARM.
  • Adjustment interval: the frequency with which the rate will change after the fixed-rate period. Most commonly the rate adjusts every 6 months or annually. This is the second number in the name of an arm: “1” for one year or “6” for six months
  • Initial cap: the limit on how much the rate can adjust immediately after the fixed rate period ends
  • Periodic rate cap: the limit on how much the rate can change each time it adjusts
  • Lifetime cap: limits how much the interest rate can rise over the loan term
  • Payment cap: limits the dollar amount the monthly payment can rise over the life of the loan
  • Minimum rate: lowest rate your loan can adjust to
  • Maximum rate: highest rate your loan can adjust to

Final considerations

With these facts in mind, it’s important to be confident in the mortgage you choose. Be sure to consider the short- and long-term implications of an ARM, and talk to your real estate agent and loan officer to make sure the decision is the right one for you.

Solarity is here to help make these decisions easier for you! Use your handy home loan calculator to get started on figuring out what you can afford. If you’re in the market for a mortgage, our Home Loan Guides are here to make the entire process fast, easy and affordable!

*All loans subject to approval. With Solarity’s 7/1 adjustable-rate mortgage, the interest rate and payment are subject to increase once a year after the initial fixed-rate period of 7 years. Sample payment of $1,789 is based on a loan amount of $300,000, 75% loan-to-value (LTV) and 740 FICO score at 5.95% / 7.10% APR. It does not include taxes and insurance, which means your actual payment may be higher. Annual Percentage Rate (APR) accurate as of 5.8.24 and subject to change.