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.
You might also like:
Home Loans
Whether you're buying, refinancing or just starting to shop for houses, we have loans for every type of home owner.
Explore home loans
RV Loans
Upgrade your next camping adventure! Financing for motor homes, travel trailers, fifth wheels and campers.
Let's go
Home Equity
Tap into the buying power of your home to pay for large expenses or consolidate debt.
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 round-up savings program and does it really work?
Saving money does not always require big changes. In fact, some of the most effective strategies are built on small, consistent habits. That is exactly the idea behind round-up savings.
If you have ever wondered whether saving spare change can actually make a difference, the answer may surprise you.
What is a round-up savings program
A round-up savings program is a feature that automatically saves small amounts of money based on your everyday debit card purchases.
Each time you make a purchase, the amount is rounded up to the nearest dollar and the difference is set aside as savings. For example, if you spend $3.50 on coffee, an additional $0.50 is moved into savings.
Over time, those small amounts can add up in a meaningful way without requiring extra effort.
How does round-up savings work
Round-up savings is designed to work quietly in the background of your daily life.
Here is how it typically works:
You enroll in a round-up savings program through your financial institution
Every eligible debit card purchase is rounded up to the nearest dollar
The difference is automatically transferred into a linked savings account
Because it is tied to spending you are already doing, it creates a simple and consistent way to build savings over time.
Why round-up savings is so effective
One of the biggest challenges with saving money is consistency. Round-up savings solves this by removing the need to think about it.
It is automatic. Once set up, there is nothing you need to manage. Savings happen in the background as part of your normal routine.
It feels manageable. Saving large amounts can feel overwhelming. Saving a few cents at a time feels easy and sustainable.
It builds momentum. Small deposits may not seem like much at first, but over time they create a habit and a growing balance that can motivate you to save even more.
How much can you actually save
The amount you save with round-ups depends on how often you use your debit card, but the totals can add up faster than expected.
For example:
2 purchases per day with an average round-up of $0.50 could save about $30 per month
Over a year, that is around $360 in savings
And that is before factoring in any interest your savings may earn.
Where round-up savings makes the biggest impact
Round-up savings becomes even more powerful when it is combined with other savings strategies.
Pairing round-ups with a high-yield savings account
When your round-up contributions are placed in a high-yield savings account, they do more than just sit there. They earn interest and continue to grow over time.
Combining it with automated savings tools
Round-ups work best as part of a larger system that includes recurring transfers or other automated contributions.
Building toward specific goals
Round-up savings can be a great way to fund:
Emergency savings
Holiday spending
Travel funds
Everyday financial cushions
Does round-up savings really work
Yes, but its effectiveness depends on how it is used.
Round-up savings works best when:
You use your debit card regularly
Your savings are earning a competitive rate
It is part of a broader savings strategy
On its own, it is a helpful tool. Combined with other features, it can become a powerful way to grow your money with very little effort.
A smarter way to grow your spare change
Some savings programs take round-ups a step further by combining them with other ways to grow your balance automatically.
For example, Solarity Savers is a high-yield savings account with built-in features that help your money grow over time including:
Round-ups from everyday purchases
Dividend transfers from eligible savings and certificate accounts at Solarity
Growth tied to your everyday banking activity
Instead of relying on one method, everything works together to help you build savings steadily and consistently.
Is round-up savings right for you
Round-up savings is a great option if you:
Want a simple, automatic way to start saving
Struggle to save consistently
Prefer a hands-off approach
Are looking for ways to build momentum over time
It may not replace larger contributions, but it can play an important role in helping you build better financial habits.
Turn everyday spending into meaningful savings
Saving money does not have to be complicated. Sometimes, the smallest changes can lead to the biggest results over time.
Round-up savings is a simple way to make progress without changing your lifestyle. And when combined with the right tools, it can help you build a stronger financial future one purchase at a time.
If you are looking for an easier way to grow your savings, consider how round-up features can work alongside a high-yield savings account like Solarity Savers to help build your balance faster.