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 to do if you are the victim of a scam
Falling victim to a financial scam can feel overwhelming and even embarrassing, but it’s important to remember that scams can happen to anyone. Acting quickly can help minimize damage and protect your future finances. At Solarity, we’re committed to supporting our members with compassion and care. Here’s a friendly, step-by-step guide on what to do if you think you’ve been scammed.
1. Stop all contact with the scammer
As soon as you suspect fraud, stop communicating right away. Scammers are skilled at using emotional tactics to keep you engaged. Remember, no legitimate organization will pressure you to act immediately or threaten you. It might feel hard to cut ties, especially if they seemed trustworthy, but it’s the safest choice.
2. Contact your financial institutions immediately
Get in touch with Solarity Credit Union and any other financial institutions right away. We can help secure your accounts, review recent activity and take steps to prevent further losses. The sooner you reach out, the more we can do to help. You may also want to cancel compromised cards and request new account numbers for added security.
3. Change your passwords and secure your accounts
Update passwords on all your financial and personal accounts. Choose strong and unique passwords and enable two-factor authentication whenever possible. It’s a good idea to update your security questions and review your email and phone account security too, since scammers often use these to gain further access.
4. Report the scam to the authorities
Report the scam to your local police department and consider submitting reports to these agencies:
- Federal Trade Commission (FTC): ReportFraud.ftc.gov
- Internet Crime Complaint Center (IC3): ic3.gov
- WA state attorney general’s office: atg.wa.gov/file-complaint
Providing detailed information can help protect others and assist in investigations. Save copies of emails, texts and any other evidence related to the scam.
5. Place a fraud alert on your credit reports
Contact one of the three major credit bureaus (Equifax, Experian or TransUnion) to place a fraud alert. This makes it more difficult for scammers to open new accounts in your name. You can also consider freezing your credit for extra security. A fraud alert lasts for one year and can be renewed as needed without affecting your credit score.
6. Check your credit reports
Request your free credit reports from AnnualCreditReport.com and review them carefully for suspicious accounts or activity. Dispute any inaccuracies right away. Checking your reports regularly is a helpful habit to catch issues early.
7. Monitor your accounts regularly
Keep a close eye on your bank accounts, credit card statements and credit reports over the next several months. Report any new suspicious activity as soon as possible. Setting up account alerts can help you stay informed and feel more secure. Checking your transactions weekly or even daily can provide extra peace of mind.
8. Educate yourself to avoid future scams
Learning about the latest scams and tactics can empower you to stay protected in the future. Attend community seminars, follow trusted financial blogs or read educational materials. Sharing what you learn with loved ones can help keep your entire community safer. For more resources, visit our Fraud Alerts and Education page.
9. Get support
Recovering from a scam can be emotionally challenging. It’s important to seek support if you’re feeling stressed or overwhelmed. You can contact the National Center for Victims of Crime’s VictimConnect Resource Center at victimconnect.org or call 1.855.4.VICTIM (1.855.484.2846). You might also consider speaking with a counselor or talking to trusted friends and family. Remember, you’re not alone, and help is available.
Final thoughts
If you’re a Solarity member and believe you’ve been scammed, please reach out to us right away. We’re here to support you with understanding and zero judgment. Our team will help you secure your accounts and guide you through recovery. Visit our Fraud Alerts and Education page to learn more about how we can help.