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
How to send and receive a wire transfer
Whether you're buying a home, consolidating accounts or navigating another important financial transaction, a wire transfer is one of the quickest and most reliable ways to send and receive large amounts of money between financial institutions. At Solarity, we make the process straightforward so you can spend less time on banking and more time focusing on the things that matter most.
Receiving a wire transfer
Need funds wired to your Solarity account? Here is all the information the sender will need to ensure the money arrives without a hitch:
- Beneficiary – Your full name (exactly as it appears on your Solarity account)
- Account number – Your Solarity account number (exactly as it appears on your direct deposit info online)
- Your address – Your street address, city, state and ZIP
- Receiving financial institution – Solarity Credit Union, 110 N 5th Ave, Yakima, WA 98902
- Routing number – 325183738
We’ll post the funds to your account as soon as they clear every stop along the banking network (usually no later than the next business day in most cases). Have questions? Call us at 800.347.9222 or stop by a branch and we’ll be happy to help.
Sending a wire transfer
To begin a wire transfer, simply visit your nearest Solarity branch location or give us a call at 800.347.9222. We’ll walk you through a short wire transfer request form, confirm the recipient’s details and make sure everything is set for a smooth transfer.
Please be ready to share the following information during your visit or call:
- Name of the receiving financial institution
- The receiving financial institution’s physical address and routing number
- Name of the beneficiary (person or company receiving the money)
- The beneficiary’s account number
- The beneficiary’s physical address, city, state and zip code (No PO boxes)
- The amount of money you want to wire
Cut‑off times – Requests received Monday through Friday (excluding federal holidays) before 2:30 p.m. PST are typically processed and sent the same business day. Requests that arrive after the cut‑off (or on weekends and holidays) will be sent the next business day.
Funding requirements – For your protection, we can only wire available funds that are already cleared in your account. If you recently deposited a large check, those funds may need to clear before they’re eligible to send.
International wires – While Solarity does not currently offer outgoing international wire transfers, we're happy to help you explore alternative options. Our team can provide guidance and recommend secure, reliable methods for completing your international transaction.
How to identify and prevent wire fraud
We’ve already mentioned that wire transfers are fast and convenient, but it’s because of their speed and finality that they can also be a target for fraud. Once a wire is sent, it’s very difficult to reverse, so it's essential to stay vigilant. Click the expandable sections below to reveal how to spot potential scams and protect your money.
- Urgent or pressured requests – Scammers often create a sense of urgency to rush your decision.
- Unexpected payment instructions – Be wary if a business you know suddenly provides new account details or asks for payment to a different bank.
- Requests from unfamiliar sources – If someone you don’t know asks you to wire money, it’s likely a scam.
- Too-good-to-be-true offers – Promises of large returns, lottery winnings, purchases well below market value or "easy money" that requires upfront payment are classic fraud tactics.
- Verify before you send – Always call the recipient using a trusted phone number to confirm wire instructions. Don’t rely solely on email or text.
- Double-check account details – Even a small typo in an account number or routing number can result in funds being sent to the wrong place.
- Use secure networks – Avoid initiating transfers over public Wi-Fi or unsecured devices.
- Know who you're dealing with – Research businesses or individuals requesting payment. Scammers often pose as legitimate companies or even loved ones.
If you suspect you've been targeted by wire fraud, please contact us immediately.
Key takeaways
Wire transfers are a fast and secure way to send or receive money, especially for time-sensitive or large transactions. Just be sure to double-check all of the information you provide, keep cut-off times in mind and always be on the lookout for potential scams. Still have questions? Visit a branch or call us today at 800.347.9222.
View our Consumer Fee Schedule and Business Fee Schedule for information on incoming/outgoing wire fees.