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
How a kids savings account can help your child build strong money habits
Helping children develop good financial habits is one of the best gifts you can give them. While schools may teach some basics about money, kids learn the most when they have real-life experiences managing it. One of the simplest ways to provide this experience is with a kids savings account.
At Solarity, our Youth Savings account is designed to make saving money exciting, accessible and safe for children. With the right guidance, it can be the foundation for a lifetime of smart financial decision-making.
Why financial education should start young
Children are naturally curious about money. They see you using it at stores, online and even on your phone. By introducing them to basic money concepts early, you can help them form healthy financial habits before less desirable ones take root.
Research shows that kids who learn about saving, budgeting and goal setting early are more likely to carry those habits into adulthood. They understand that money is a limited resource, that it can grow over time when saved and that spending should be intentional rather than impulsive.
Starting with small lessons like saving part of an allowance helps kids grasp the connection between work, income and saving. Over time these lessons build into practical skills they will use for the rest of their lives.
What is a kids savings account?
A kids savings account is a special type of savings account designed for children, usually under the age of 18. It allows them to deposit money they earn or receive, track their balance and watch their savings grow. Parents or guardians typically act as joint account holders, offering guidance and oversight.
At Solarity, our Youth Savings account is available for members age 17 and under. It offers no monthly maintenance fees and easy online or in-person account management. It is a safe way to teach kids about money while giving them the independence to make their own deposits and monitor their progress.
Benefits of a kids savings account
- Hands-on learning experience - A kids savings account provides a real-world way for children to learn how saving works. If your child is saving for a $200 bike, they can see exactly how their deposits from allowances, birthday gifts or part-time jobs bring them closer to that goal. This progress reinforces the benefits of patience and consistent saving.
- Builds discipline and goal setting - When kids have their own savings account, they can practice setting financial goals and creating a plan to reach them. This could be a short-term goal like buying a new video game or a long-term goal like saving for a school trip. These exercises teach discipline and delayed gratification, which are critical money skills.
- Encourages regular saving habits - Making deposits becomes a routine part of managing their money. Whether it is setting aside a portion of weekly allowance or putting away holiday cash, regular saving builds the habit of paying yourself first, a practice that serves well into adulthood.
- Provides a safe environment for mistakes - It is better for children to make small financial missteps while they are young and under parental guidance. A kids savings account allows them to experience the consequences of overspending or withdrawing too soon without putting them at serious risk.
- Strengthens parent-child money conversations - Having a dedicated account opens the door for meaningful conversations about saving, spending and even charitable giving. It is a chance to share your own financial values and teach the reasoning behind your decisions.
Growing with your child: checking and credit for teens
As kids grow into teens and young adults, their financial needs change. Solarity offers additional products that build on the foundation of a kids savings account and help them learn more advanced money management skills.
Youth Checking Accounts (ages 12–17): When your child is ready, a youth checking account provides hands-on experience managing everyday spending. With a debit card, online banking and parental oversight, teens can practice balancing a budget while gaining independence.
Student Visa Credit Card (ages 15–20): For older teens and college students, our Student Visa Credit Card is a smart first step into building credit. With no annual fee and a lower limit designed for beginners, it teaches responsible borrowing and repayment, which are key skills for adulthood.
Together with a kids savings account, these options create a clear path for financial growth from learning the basics to managing spending and credit responsibly.
Why choose Solarity for your child’s savings journey
Solarity Credit Union’s suite of youth accounts is built with young members in mind. We offer:
Youth Savings accounts for ages 17 and under
Youth Checking accounts for ages 12–17
Student Visa Credit Cards for ages 15–20
Each step is designed to match your child’s stage of financial learning. With competitive rates, no monthly maintenance fees and convenient digital tools, Solarity makes it easy to support your child as they grow more confident with money.
Get started today
It is never too early to start teaching kids about money. Opening a Youth Savings account at Solarity gives them the opportunity to learn valuable skills, set meaningful goals and build habits that last a lifetime. As they grow, youth checking accounts and Student Visa Credit Cards provide the next steps toward full financial independence.