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
Young Adult Visa
For members age 15-20
Reasons to love our credit cards
- No annual fee and no balance transfer fee
- No foreign transaction fee, which makes them perfect for travel
- No minimum interest charge
- No cash advance fee and the same rate as purchases
- Cash advances at more than 32,000 surcharge-free ATMs nationwide
- 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
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.
Young Adult 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
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
'The banking system is healthy:’ Solarity Leaders address concerns after recent national bank failures
Following the recent failures of California-based Silicon Valley Bank and NY-based Signature Bank, people are understandably feeling uneasy and questioning what is happening. Silicon Valley Bank was closed by its insurer, the Federal Deposit Insurance Corporation (FDIC), and shortly after, New York state regulators closed Signature Bank. Both were highly specialized banks: one tied to Silicon Valley start-ups and the other to cryptocurrency.
Solarity leaders know this news can be worrisome and wanted to respond directly to our members.
“The banking system is healthy,” says Solarity President and CEO Mina Worthington. “While it is natural to wonder how this can happen, it’s important to underscore it happens so rarely because of the health of our financial institutions across the country.”
At Solarity, we put our members first. Since we are a not-for-profit financial cooperative, we answer to you, and we apply sound financial risk management practices to managing your credit union. You can feel confident knowing:
- Solarity currently has more than double the statutory capital required by regulators.
- Your deposits are insured by the National Credit Union Administration (NCUA) up to $250,000 per individual (with higher insurance available - ask us for details). Read more about how deposit insurance works.
- Credit union members have never lost a penny of insured savings at a federally insured credit union.
Solarity’s Chief Credit Officer Ralph Cumbee went on to explain that our members should feel confident their money is safe and secure at Solarity. “Solarity is an exceedingly healthy credit union with great capital and loan quality,” Cumbee says.
Regulators have always monitored individual institutions for safety and soundness. After the 2008 financial crisis, federal and state regulatory agencies began to look even more deeply across the entire financial system for risks.
“Financial institutions are in a far healthier position than they were in 2008,” Worthington says. “Bank and credit union regulators learned so much from the crisis. They monitor banking systems regularly, and there’s more safety and soundness in the banking systems than ever before.”
Worthington added, “Every decision we make is with our members in mind and to preserve the health of our credit union. Our job is to serve our members, not our shareholders, so that we are here to serve them for the long term.”
If you want to talk about your accounts – we are here for you. Give us a call at 800.347.9222.
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