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
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 long does it take to buy a car?
Buying a car is an adventure – a little like a road trip, but with more paperwork and fewer snacks. If you’re wondering, "how long does it take to buy a car?", you're in the right place! The time it takes from your initial web search to having keys in hand can vary greatly, so we'll break down the car buying process and important variables to consider—helping you hit the road faster and smarter.
The car buying process
Buying a car can feel like a monumental task, but with the right steps, you can make it quick and easy. Here's a simple guide:
Research and choose your car: Start by finding the car that fits your needs. Consider size, fuel efficiency, safety and your budget. Check out our free car affordability calculator to help you make an informed decision.
Financing and loan options: Once you've selected your car, explore the financing options available to you. Solarity offers a variety of loan products and has a dedicated team ready to assist you in understanding terms, rates and repayment options.
Negotiate the price: Being aware of the fair market value of your chosen car is crucial. Be prepared to negotiate with the dealership.
Trade-in and financing considerations
When purchasing a car, it's important to think about trade-in value, financing options and interest rates.
The trade-in value of your current car can impact the cost of your new car. Factors such as age, condition and mileage play a significant role. Researching your car's market value will give you a realistic expectation.
Financing options are also crucial. Getting pre-approved for a loan before visiting the dealership can streamline the process. Solarity offers an online, three-step pre-approval application that can save you time and give you peace of mind about getting those new wheels.
Interest rates have an impact on the total cost of your loan. Higher rates mean higher monthly payments. Solarity ensures transparent and competitive rates, helping you get the best value. You can find our current auto loan rates online to help you plan your purchase and set you up for success!
Saving time and money
A smooth car-buying experience starts with good preparation. Here are some tips to help you move through the process quickly and confidently:
Smart car shopping: Conduct online research to compare prices and features. Pre-approved financing, like the one offered by Solarity Credit Union, enables you to know your budget and negotiate better deals.
Simplify the paperwork: Gather all necessary documents before you visit the dealership to help speed things up.
Make the most of your dealership visit: Be ready to negotiate and know your car’s market value. Solarity is here to help you navigate the process and make informed decisions.
New car vs. used car
Deciding between a new car and a used car? Let's weigh the pros and cons.
New car pros: No previous owners, latest tech and safety features. Cons? Higher cost and quicker depreciation.
Used car pros: Lower price, slower depreciation. Cons? Potential maintenance and repair costs. Also, buying a used car typically takes longer than shopping for a new one, since it can be harder to find the exact make and model you’re looking for.
Start by thinking about your budget and what you need in a vehicle. Whether you're shopping new or used, it's important to choose a car that fits comfortably within your financial means. At Solarity, we're here to help you find the financing option that works best for you.
Ensuring a satisfying car purchase
Tips to help you buy with confidence and peace of mind:
Check vehicle history and inspections: Look into the car's history and get it inspected. This helps uncover any hidden issues.
Understand warranty options: Familiarize yourself with the available warranty packages and what they cover.
Get the right insurance: Research and compare insurance options to protect your investment. For added confidence, Solarity offers GAP and MBP coverage designed to safeguard you from unexpected costs and keep you cruising worry-free.
So, how long does it really take to buy a car? Well, with the right prep, it doesn’t have to feel like a marathon. From research to financing, negotiation to paperwork, every step can be streamlined if you know what to expect. The goal is to drive off the lot feeling confident, not frazzled—and with a little help from Solarity, you’ll be cruising to your next destination in no time. Remember, buying a car is more than just a transaction; it’s an investment in your future road trips. Happy driving!