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. A foreign transaction fee of 2% of the transaction amount applies. 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 things to know about Trump Accounts for kids
Summary: Trump Accounts are new investment accounts created by the federal government to help families save for a child's future. Eligible children under age 18 can open an account, and children born between January 1, 2025, and December 31, 2028, may qualify for a one-time $1,000 government contribution. The money is invested in low-cost U.S. stock index funds and can continue growing until adulthood. Parents or legal guardians open and manage the account until the child reaches age 18.
1. What is a Trump Account?
A Trump Account is a tax-advantaged investment account established under federal law to help children build long-term savings through investing.
Unlike a traditional savings account, the money is invested in a diversified U.S. stock market index fund. Over time, those investments have the potential to grow through market gains, making the account a tool for long-term wealth building rather than short-term savings.
The account belongs to the child, while a parent or legal guardian manages it until the child becomes an adult.
2. Who qualifies for a Trump Account?
Most children under age 18 with a valid Social Security number are eligible to have a Trump Account opened on their behalf.
Some children may also qualify for a special one-time government contribution.
To receive the $1,000 government deposit, a child must:
- Be a U.S. citizen
- Have a valid Social Security number
- Be born between January 1, 2025, and December 31, 2028
Children born outside of those dates can still have a Trump Account opened, but they are not eligible for the initial federal contribution.
3. How do Trump Accounts work?
Once opened, the account is invested in a low-cost U.S. stock market index fund designed for long-term growth.
Families, relatives and others can contribute money to the account, subject to annual contribution limits established by federal law. In most cases, up to $5,000 can be contributed each year, although certain employer and charitable contributions follow different rules.
The account grows tax-deferred, meaning investment earnings aren't taxed each year while they remain in the account.
Because these accounts are intended for long-term investing, withdrawals are generally restricted until the child turns 18. After that, the account is treated more like a traditional IRA, with similar rules on when and how funds can be withdrawn.
4. How do you open a Trump Account?
Parents or legal guardians can open a Trump Account for an eligible child through the federal enrollment process.
Generally, you'll need:
- Your child's Social Security number
- The parent or guardian's identification
- Any required federal forms or online enrollment information
To get started, families can download the official Trump Accounts app, which guides users through the enrollment process and provides access to account information once an account is established.
Because this is a new program, additional financial institutions are expected to begin offering Trump Accounts over time.
5. Should you open a Trump Account?
For many families, opening a Trump Account could be worth considering, especially if your child qualifies for the $1,000 government contribution.
Even if you aren't able to make regular contributions yourself, receiving the initial government deposit allows the investment to begin growing over time.
That said, a Trump Account isn't the only option for saving for a child's future. Depending on your goals, you may also want to consider:
- A 529 education savings plan for future education expenses
- A custodial investment account
- A traditional savings account for short-term goals
Each option has different tax rules, investment choices and withdrawal flexibility. If you're unsure which approach best fits your family's goals, speaking with a financial professional can help you compare your options.
Frequently Asked Questions
Can grandparents contribute to a Trump Account?
Yes. Family members and other individuals may contribute to a child's account, subject to annual contribution limits and applicable tax rules.
Can I open a Trump Account if my child wasn't born between 2025 and 2028?
Yes. Eligible children under age 18 can have a Trump Account. However, only children born between January 1, 2025, and December 31, 2028, qualify for the one-time $1,000 government contribution.
Is a Trump Account the same as a savings account?
No. A Trump Account is an investment account. Your money is invested in the stock market, so its value can rise or fall over time.