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 foreign transaction fee, which makes them perfect for travel
- 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
Do credit unions offer business loans?
Business owners big and small face many decisions when it comes to funding growth, purchasing equipment or managing cash flow. One of the most important decisions is choosing the right financial institution for borrowing. While large commercial banks are a common choice for business financing, credit unions are a powerful, community-focused alternative worth considering.
So, do credit unions offer business loans? Yes, and they may be more flexible and cost-effective than many business owners realize.
How do credit unions support businesses?
Credit unions are not-for-profit financial cooperatives owned by their members. Unlike traditional banks that aim to generate profits for shareholders, credit unions reinvest earnings into providing better rates and services for their members. This community-driven model often translates into competitive corporate loan rates, fewer fees and more personalized support for small businesses.
Many credit unions offer a wide range of loan products specifically designed to help small businesses grow, including:
- Term loans
- Business auto loans
- Lines of credit
- Commercial real estate loans
- Equipment financing
Types of business loans credit unions offer
1. Term loan: Term loans are the most traditional form of business financing. These loans provide a lump sum upfront that you repay over a fixed term, usually at a fixed interest rate. They’re ideal for:
- Expanding your operations
- Purchasing new equipment
- Hiring additional staff
- Consolidating existing business debt
Credit unions typically offer term loans with lower corporate loan rates than traditional banks, making them attractive for budget-conscious entrepreneurs.
2. Business auto loans: If your business relies on transportation, whether for deliveries, mobile services or client visits, a business auto loan can be essential. Credit unions frequently offer business vehicle loans with:
- Competitive interest rates
- Options for both new and used vehicles
- Terms aligned with vehicle depreciation schedules
- Streamlined application processes
- Fast, local underwriting
3. Lines of credit: A business line of credit works like a credit card: you draw funds as needed and only pay interest on the amount you borrow. This type of financing is useful for managing short-term expenses like:
- Payroll
- Inventory purchases
- Seasonal slowdowns
- Emergency repairs
Many credit unions offer revolving lines of credit with flexible terms and ongoing access to working capital.
4. Commercial real estate loans: Credit unions also finance property purchases, including office buildings, warehouses and retail spaces. These commercial real estate loans can offer:
- Fixed or variable interest rates
- Long repayment terms (often 10–25 years)
- Amortization options that align with your business goals
They’re a strong option for developers, investors and landlords as well as business owners looking to build equity in a permanent location rather than leasing space.
5. Equipment loans: Need to buy a new printer, diagnostic tools, construction equipment or manufacturing machinery for your practice or business? Equipment loans are specialized for these kinds of purchases. Credit unions often provide flexible financing for both new and used equipment, with the equipment itself typically serving as collateral.
6. Business credit cards: A business credit card can streamline purchases, manage employee expenses and provide a backup for short-term cash flow. Solarity’s credit cards come with:
- No annual fee, cash advance fee, or balance transfer fee*
- Credit limits up to $50,000
- Employee cards at no extra cost
- Overdraft protection capabilities
To explore a full range of financing options for your business, including auto loans, equipment financing and lines of credit, visit Solarity’s business lending page to learn more. Or call 800.347.9222 to apply today.
If you're looking to purchase, build or refinance commercial property, explore Solarity Credit Union’s commercial real estate loan options for flexible terms and local expertise.
A closer look: How credit unions serve small businesses
Credit unions are particularly well-suited to serve small businesses, which often face more hurdles than larger companies when seeking financing. Here’s why small businesses benefit from working with credit unions:
- More flexible underwriting: Many credit unions are willing to work with newer businesses or those without perfect credit histories.
- Local decision-making: Lending decisions are often made by staff who understand the local economy and your industry’s challenges.
- Tailored support: Credit unions tend to take a relationship-based approach, helping small businesses grow over time.
For small-business owners who value personalized service, transparent terms and a long-term partnership, credit unions can be an excellent choice.
Why choose a credit union for your business loan?
While banks may offer similar loan products, credit unions often provide advantages that can be particularly beneficial to small and midsize businesses:
- Lower corporate loan rates thanks to the not-for-profit model
- Personalized service with local decision-makers who understand your community
- Flexible underwriting that takes a holistic view—considering more than just credit scores or rigid criteria—to help newer or uniquely positioned businesses access funding
- Member-centric policies focused on long-term financial health rather than shareholder returns
Credit unions are also more likely to build long-term relationships with small-business members, offering advisory support and financial education along the way.
Considerations before you apply
Before choosing any financial institution for your business loan, it’s important to:
- Compare rates and terms: Look closely at interest rates, repayment schedules and total loan costs.
- Check eligibility: Some credit unions require business membership or a certain geographic presence.
- Review customer service quality: Personalized, local service can be a major benefit for newer or growing businesses.
- Understand the collateral requirements: Some loans require assets (like equipment or property) as security.
Conclusion
So, do credit unions offer business loans? Yes, and for many entrepreneurs, they offer a smarter, more flexible way to finance growth. With lower fees, personalized support and competitive corporate loan rates, credit unions are well-equipped to serve the needs of today’s small businesses.
Whether you're exploring options for a commercial real estate loan, a business car loan or a long-term equipment financing solution, it’s worth considering a credit union like Solarity alongside other lenders.
Taking the time to explore your options could save your business money and set you up for sustainable success.
If you have questions about which loan product is the right fit for your business or you're ready to take the next step, Solarity’s business banking team is available to help. Our team of local experts can provide personalized guidance based on your goals, whether you're seeking short-term working capital or planning a long-term investment. Don’t hesitate to reach out and start a conversation that could move your business forward. You can learn more or get in touch at solaritycu.org/business or by calling 800.347.9222 today.