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
What is a high-yield savings account and how does it work?
Saving money is one of the simplest ways to build financial security, but where you keep your savings matters more than you might think. If your money is sitting in a traditional savings account earning minimal interest, you could be missing out on meaningful growth.
That’s where high-yield savings accounts come in.
What is a high-yield savings account
A high-yield savings account is a type of savings account that offers a significantly higher annual percentage yield or APY than a traditional savings account.
While traditional savings accounts often earn a fraction of a percent in interest, high-yield accounts can offer rates many times higher, helping your money grow faster without taking on additional risk.
How do high-yield savings accounts work
At a basic level, high-yield savings accounts are designed to help your savings earn more over time while remaining accessible. But unlike traditional savings accounts, the way money grows in these accounts can be more dynamic.
Higher interest rates and compounding growth
The biggest advantage is the higher APY. This means your balance builds over time thanks to compounding interest, where you earn interest on both your existing balance and the interest it accumulates.
Interest in high-yield savings accounts is typically compounded daily or monthly. The more frequently it compounds, the faster your money grows.
A higher APY combined with consistent compounding can significantly increase your savings over time compared to a standard account.
For example, let’s compare a $500 balance in two different accounts over five years:*
- At 0.05% APY, your balance would grow to about $501.25
- At 3.00% APY, that same $500 could grow to about $579.64
That is a difference of more than $75, without adding any additional money.
This example shows how even a few percentage points in APY can significantly impact your savings over time. The higher the rate and the longer your money stays in the account, the more powerful compounding becomes.
Flexible access to your money
High-yield savings accounts are designed to keep your money accessible. You can typically transfer funds between accounts or move money when needed, though some limits may apply depending on the institution.
Are high-yield savings accounts safe?
One of the biggest advantages of a high-yield savings account is that your money is protected.
Funds held in savings accounts at banks are typically insured by the Federal Deposit Insurance Corporation (FDIC), while credit union accounts are insured by the National Credit Union Administration (NCUA). This insurance protects your deposits up to established limits if the institution were to close.
This level of protection is a key difference between savings accounts and other ways people might try to earn higher returns. For example, investments like stocks, bonds or mutual funds can fluctuate in value and are not insured. Some investment-based accounts may carry additional risk as well.
For many savers, especially those with larger balances, knowing their money is federally insured provides peace of mind while still earning a competitive return.
How money is added to the account
Depending on the account, funds may be added in different ways. Some high-yield savings accounts allow direct deposits, while others are designed to grow automatically through connected accounts and account activity.
For example, some accounts build balances by:
Transferring earnings from other savings or certificate accounts
Rounding up everyday debit card purchases and saving the difference
Moving money from linked accounts based on set rules or activity
This type of structure can help you grow savings consistently without needing to manually move money.
High-yield savings vs traditional savings accounts
The difference between these two types of accounts can have a big impact on your financial progress.
Traditional savings accounts:
Lower interest rates
Slower growth
Basic functionality
High-yield savings accounts:
Significantly higher APY
Faster compounding growth
Often include digital tools and automation features
Over time, even a small difference in APY can result in hundreds or thousands of dollars in additional earnings.
What should you look for in a high-yield savings account
Not all high-yield savings accounts are created equal. Here are a few things to consider when choosing one.
Competitive APY
Look for an account offering a strong, consistent rate that helps your savings grow faster.
Low fees and flexible minimums
The best accounts make it easy to get started without requiring large balances or charging unnecessary fees.
Accessibility
Make sure you can easily withdraw money from the high-yield savings account when needed, whether through mobile banking or online tools.
Built-in savings tools
Features like automatic transfers, round-up savings or account linking can help you grow your balance without extra effort.
Insurance coverage
Before opening any savings account, it is important to confirm that your deposits are protected.
Banks are insured by the Federal Deposit Insurance Corporation or FDIC, while credit unions are insured by the National Credit Union Administration or NCUA. This means your money is protected up to applicable limits.
It is also important to understand what is not covered. Investment products such as stocks, bonds and mutual funds are typically not insured and can lose value.
Choosing an insured institution helps ensure your savings are protected while you focus on growing your balance with confidence.
A smarter way to grow your savings
The most effective savings strategies do not rely on willpower alone. They rely on systems that make saving automatic and consistent.
That is where newer high-yield savings options are evolving beyond simple interest rates.
For example, accounts like Solarity Savers are designed to help your money grow in multiple ways at once:
Earn a competitive rate
Build your balance through earnings from eligible savings, money market and certificate accounts
Turn everyday purchases into savings with round-up features
Qualify for top rates through normal banking activity
Instead of managing multiple disconnected accounts, everything works together to help you build momentum over time.
Is a high-yield savings account right for you?
A high-yield savings account can be a great fit if you want to:
Grow your emergency fund faster
Earn more on money you are already saving
Keep your funds accessible while still earning strong returns
Simplify and automate your savings strategy
Whether you are just getting started or looking to make your savings work harder, upgrading to a high-yield account is one of the easiest ways to improve your financial progress.
Start making your savings work harder
The difference between earning a little interest and earning a lot can add up quickly. Choosing the right savings approach is a simple step that can have a lasting impact on your financial future.
If you are ready to earn more while keeping your money accessible, explore how an account like Solarity Savers can help you grow your savings automatically over time.
*For illustrative purposes only. Actual earnings may vary based on rates, compounding frequency and account activity.