Searching for a great rate?
Take your savings to new horizons with three exceptional ways to earn bigger returns!
With a certificate account, enjoy a guaranteed rate for the full term. It’s a stable, secure way to save while earning higher returns than traditional savings or money market accounts. We also offer IRA certificates, which provide the same security and guaranteed returns, while helping you save strategically for retirement.*
Looking for flexibility? Our Bonus Savings account rewards members with a higher rate for using their debit card, with no service fees and no limits on how much you can earn. To qualify, simply sign up for eStatements, and make 20 or more debit card purchases a month.*
No matter which option you choose, a Solarity certificate or Bonus Savings account can help you reach your financial goals faster. Don’t miss these great rates!
Compare Solarity savings accounts
| Savings account details | 12-month IRA certificate | 7-month certificate | Bonus Savings |
|---|---|---|---|
| Best for someone who wants to... | Rollover multiple individual retirement accounts into one account to reduce investment fees. | Lock in a high guaranteed rate of return and maximize their earning potential to its fullest. | Get rewarded for using their debit card and earn five times the national average.1 |
| Annual Percentage Yield (APY) | 4.25% | 4.05% | 3.25% |
| Minimum balance to earn APY | $500 | $10,000 | $0.01 |
| Minimum opening deposit | $500 | $10,000 | $5 |
| Annual service charge | $20 | No service charge | No service charge |
| Access to funds | Limited – funds may be subject to taxes and penalties if withdrawn before the age of 59½. | Limited – partial withdrawals of posted dividends are allowed prior to maturity without a penalty. | Flexible – access the money in your account when you need it without penalty. |
How does Bonus Savings work?
Here's the scoop on certificate accounts
Guaranteed return
Your rate is locked in for the term of the certificate.
Multiple term options
Choose the timeframe that works best for you.
Certificate-secured loans available
Borrow money back from an active certificate, if needed.
IRA share certificates available
Consolidate multiple IRAs into one account to reduce investment fees.
See why our members choose us
At Solarity, we've been helping families, businesses and the community since 1939.
Solarity Credit Union has the same products and services you'll find at the big banks plus one very important thing they lack: employees who genuinely care about you as a person rather than a number.
Founded on the principle of people helping people, Solarity offers all the convenience you'd expect: multiple account options, free online and mobile banking, competitive rates and more. Open an account today to take advantage of everything membership has to offer.
We asked our members what they love about Solarity. Here's what they said.
Our members say it best:
More ways to save – Bonus Savings accounts
Open your account
Open a Bonus Savings account and link it to your Solarity checking account.
Use your debit card
Enroll in eStatements and make 20+ debit card purchases a month.
Earn the best rate
Get rewarded for using your debit card and earn a great rate with no service fees.*
Certificate special rates and disclosures
| Term | APY* | Minimum balance to earn APY |
|---|---|---|
| 7 months | 4.05% | $10,000 |
| 26 months | 3.25% | $25,000 |
Disclosures
IRA certificate rates and disclosures
| Term | APY* | Minimum balance to earn APY |
|---|---|---|
| 12 months | 4.25% | $500 |
| 24 months | 4.00% | $500 |
| 36 months | 3.75% | $500 |
Disclosures
Bonus Savings rates and disclosures
Get rewarded for using your debit card
| Account | APY** | Minimum balance to earn APY |
|---|---|---|
| Qualified Rate | 3.25% | $0.01 – $10,000 |
| Qualified Rate | 0.05% | $10,000.01+ |
| Non-Qualified Rate | 0.05% | $0.01 |
Disclosures
Ready to open an account?
We make opening your account FAST and EASY! See below for the ways you can get started.
By phone
Give us a call at 800.347.9222. We'll explain your options and help open your new account.
Call now
At a branch
Stop by any of our local branches and speak with one of our helpful branch experts.
See locations