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.*
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
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.
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 (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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Common questions about credit cards
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.
Visa® Credit Card Rates
|APR as low as*||Minimum payment (percent of balance)||Maximum limit|
*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
An RV adventure: Lyn & Steve's retirement
Lyn and Steve decided to live the simple life in retirement - opting for adventure and going wherever the road takes them. With an RV loan, they purchased a camper that allows them to move freely, exploring our beautiful land. Solarity is honored to help our members finance all of life's adventures.
"When we retired, we just thought, you know, what do we want to just stay here? And we're like, no, we want to you know, travel and see the world,” Lyn explains. “We purchased with our (RV) loan a new camper, Cirrus 820."
We spent a week just traveling over in eastern Idaho, and up in the Salmon River went to Stanley, Idaho and just kind of moved around,” Steve says, as they got to know their new rig.
Lyn adds, "It's given us a lot of versatility. And we're able to just see the world, you know, see the U.S. a little bit."
Yet their grandson always brings them back home.
"We are here six months out of the year, and we see him a lot. And then Zoom, we Zoom meetings with him when he's not around. And he's, you know, it's been great," Steve says with a big smile. And Lyn chimes in, "And we're hoping to take him on adventures as well!"
For now, they have an adventure pal from Solarity - a Sasquatch stuffed animal that we sent to every member who got an RV loan with us in the summer of 2023.
"Yeah, that's Cyrus. Yeah. So he travels with us! Everybody that we've met through Solarity is very friendly, and even checking in on us to see how things are going. So that has been really lovely for us,” Lyn says. “And we're just really excited to continue our adventure and we suggest that anybody that can maneuver their life into a situation like this that they won't regret it."
Safe travels, Lyn and Steve!