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
A guide to mortgage pre-qualification before home buying season
Spring and summer are typically the busiest times in the housing market. As inventory increases and more buyers begin their search, competition can heat up quickly. If you are thinking about buying a home this year, now is the time to prepare.
One of the most important first steps is understanding mortgage pre-qualification and pre-approval. Taking action early can help you shop with confidence and move quickly when you find the right home.
What is mortgage pre-qualification
Mortgage pre-qualification is an initial review of your financial situation to estimate how much you may be able to borrow. A lender looks at factors such as income, debt, assets and credit history to provide a general loan amount range.
Pre-qualification helps you:
Understand your potential price range
Set realistic expectations before house hunting
Identify areas you may want to improve, such as credit score or debt levels
This step is usually quick and can often be completed online or with a short conversation with a lender.
What is mortgage pre-approval
Pre-approval goes a step further. During pre-approval, your lender verifies your financial information with documentation like pay stubs, tax returns and bank statements. If everything checks out, you receive a pre-approval letter stating how much you are approved to borrow.
A pre-approval letter can:
Strengthen your offer in a competitive market
Show sellers you are a serious buyer
Help speed up the closing process
In a busy home buying season, having pre-approval in hand can give you a meaningful advantage. To make the process even smoother, Solarity provides a clear pre-approval checklist so you know exactly what documents and information are needed before you apply.
How to prepare before applying
Getting organized ahead of time can make the process smoother. Before applying for pre-qualification or pre-approval, gather:
Recent pay stubs and W-2s or tax returns
Bank statements
A list of debts and monthly payments
Information about any additional assets
It is also wise to review your credit report for accuracy and avoid taking on new debt while preparing to buy. Even small changes to your debt-to-income ratio can impact your loan options and interest rate.
Other factors to keep in mind this season
Home price range is only part of the equation. As you prepare to buy, consider:
Closing costs
Closing costs typically range from 2 to 6 percent of the loan amount. These may include lender fees, appraisal fees, title costs and prepaid taxes and insurance. Budgeting for these expenses ahead of time can prevent surprises.
Down payment options
While some buyers choose to put 20 percent down, many loan programs allow for much lower down payments. Understanding your options can help you determine what works best for your financial situation.
Interest rates
Rates can fluctuate based on market conditions and your individual credit profile. Starting the conversation early allows you to explore different loan structures and see how rate changes affect your monthly payment.
Exploring your home loan options
Solarity Credit Union offers a range of home loan options designed to support buyers at every stage.
Purchase home loans are available for primary residences and second homes, with both fixed-rate and adjustable-rate options. For those new to the process, Solarity’s first-time homebuyer programs provide additional guidance and flexible solutions, including low down payment options for qualified borrowers.
Solarity also offers a transparent flat origination fee rather than a percentage-based fee, which can help borrowers better understand and manage their upfront costs.
The goal is simple: provide a straightforward, supportive mortgage experience so you can focus on finding the right home.
Start early and move with confidence
If you are planning to buy during this home buying season, getting pre-qualified or pre-approved now can put you in a stronger position later. It clarifies your budget, strengthens your offers and helps you move quickly when opportunity knocks.
Connect with a Solarity Home Loan Guide or apply online to begin the pre-qualification process. With the right preparation, you will be ready to make your move when the time is right.