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
5 fall home projects that add comfort and value
Crisp mornings, golden leaves and that first hint of wood smoke in the air mean one thing: fall has arrived. It’s the perfect time to make your home cozier and more efficient before winter sets in. Even better, a few well-chosen updates can boost your home’s comfort and value.
Here are five fall home projects that can make your space shine and how Solarity can help you make them happen.
1. Seal up drafts and insulate for warmth
A warm home starts with keeping the cold out. Check around doors, windows and vents for any gaps where air sneaks in. A quick weekend project with caulk, weatherstripping or fresh insulation can lower your heating costs and keep every room toasty.
If you’re ready for a bigger upgrade like new windows or a more efficient heating system, a Home Equity Line of Credit (HELOC) can help you tackle the project without draining your savings.
2. Refresh your entryway
Fall means muddy boots, wet coats and extra clutter by the door. A simple refresh can make a big difference in both style and function.
Add a sturdy rug, a bench with storage and a few hooks for jackets and scarves. A bright light fixture or a fresh coat of paint can make your entryway feel warm and inviting.
Small updates like this don’t just make daily life easier, they add a modern aesthetic and first-impression value when it’s time to sell.
3. Upgrade to energy-efficient lighting
Shorter days mean the lights stay on longer, so switching to energy-efficient bulbs or smart lighting systems can save money while adding comfort.
LED bulbs use far less energy and last longer than traditional ones. Smart bulbs let you control lighting from your phone and set schedules to match your routine.
4. Create a cozy outdoor space
You don’t have to say goodbye to your backyard when the weather cools down. Add a fire pit, some string lights and a few warm blankets to create a space perfect for fall evenings with family and friends.
If you need ideas to make your outdoor area shine, check out our article on creating cozy outdoor spaces for inspiration.
If you’ve been dreaming about a new deck, patio or covered area, fall is often a great time to hire contractors since it’s past the peak summer rush. A HELOC from Solarity can help fund bigger outdoor upgrades while keeping payments flexible.
5. Deep clean and organize your living spaces
Before the holiday season kicks off, take a weekend to declutter and deep clean your home. Tidy up storage spaces, donate what you no longer need and give high-traffic areas some attention.
Clean carpets, dust-free surfaces and organized closets not only feel good, they can also make your home look newer and more valuable.
While you’re organizing, consider setting aside a little time for your finances too. Use Solarity’s digital banking tools to track spending, schedule payments and stay on top of your goals.
Bring comfort and value home this fall
Whether you’re sealing up drafts or creating the perfect backyard retreat, small home projects can add comfort, value and peace of mind as you head into the cooler months.
If you need a little help funding your ideas, Solarity has your back with home equity options designed to make home improvements simple.
Your home is where your brightest moments happen, so let’s make it shine this fall.