A stable, secure place to watch your investment grow

You worked hard for your money. Now it’s time your money worked for you.

With Shared Certificates, you not only can have the peace of mind that your money is safe, but you also earn more than you would through a typical savings account. With a range of Certificate options for short-term goals as well as retirement planning and beyond, let Solarity help you turn your savings into something extraordinary.

Today's Rates (48 mo.)

Dividend Rate
Annual Percentage Yield
Minimum Balance to Earn APY

Dividend Rate


Annual Percentage Yield


Minimum Balance to Earn APY


Dividend Rate


Annual Percentage Yield


Minimum Balance to Earn APY


Dividend Rate


Annual Percentage Yield


Minimum Balance to Earn APY


View Full Rates View Fees

Products at-a-glance

  • Transfer dividends to a Checking or Savings account
  • Free online banking and eStatements
  • One-time "bump" feature allows you move your certificate to a higher rate, depending on your certificate's terms
  • Withdraw dividends at maturity without penalty
  • Three to 48-month terms (3, 6, 12, 24, 36, 48 mo.)
  • $500 minimum deposit
  • Guaranteed rate for the term of the certificate, after the minimum deposit is met
  • Direct deposit options
  • Certificate secured loans available
  • Members must have a Primary Savings Account to open a Certificate Account

Your money is federally insured

At Solarity, the National Credit Union Share Insurance Fund (NCUSIF) federally insures your savings to at least $250,000 per shareowner. The NCUSIF insures the accounts of millions of account-holders in all federal credit unions, and the vast majority of state-chartered credit unions. If you are planning on saving more than $250,000 at Solarity, we have several options available for additional share insurance coverage to meet your needs.

For more information, call 800.347.9222

Solarity always makes my day feel special. I appreciate that they know me by name and they always ask if they can do more to help me. Thank you Solarity.”
- Mikal Gadley, Solarian since 2007

Frequently Asked Questions

Will I be receiving a 1098 form in the mail if I get e-statements?

No, you should be getting an email notification letting you know when it is available to view from the e-documents tab of your on-line banking.

What is Solarity Credit Union's routing number?

Our routing number is 325183738.

Does Solarity partner with any other credit unions or participate in shared branching?

Solarity Credit Union does not participate in shared branching. However, we do belong to the network of Money Pass ATMs. This partnership allows our members to withdraw cash from any Money Pass ATM without additional surcharges being assessed. To find MoneyPass ATM near you click here.

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Certificates Disclosure

  • Certificate secured loans available.
  • Bump Rate feature: If the Credit Union has offered and published a higher Dividend Rate for a share certificate of the same term and amount during the term of your certificate, you may request a one-time increase in the Dividend Rate to a higher Dividend Rate for the remaining term of the account. For Certificate accounts with a term up to 23 months, the maximum Dividend Rate increase is 0.5%. For a Certificate account with term greater than 23 months maximum Dividend Rate increase is 1.00%. The bump rate may not exceed the published Dividend Rate.


  • Deposit Rules: Additional deposits of $25.00 or higher are allowed to the Certificate only by payroll deduction, direct deposit, and account transfer when in conjunction with a payroll deposit.
  • Withdrawal Rules: Certificates that are redeemed early shall have a penalty of 90 days of dividends on terms of 12 months or less, and 180 days on dividends over 12 months. Partial withdrawals of posted dividends are allowed prior to maturity without a penalty. The amount of the penalty may be deducted from the principal of the Share Certificate if the dividend has previously been withdrawn. Penalties may be waived under certain circumstances.

*See Rate and Fee Schedule for rate/tier information.