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
What does GAP insurance cover?
So, you’ve just driven off the lot with your shiny new car—congratulations! But before you start cruising down the highway, let’s talk about something that might not be top of mind: GAP insurance. No, it’s not a trend or a new car feature, but it could be the difference between a smooth ride and a financial pothole if life throws you a curveball. Wondering how it works? GAP insurance, or Guaranteed Asset Protection insurance, is designed to cover the difference between the amount you owe on your car loan and the actual cash value of your vehicle in the unfortunate event of a total loss. This can be particularly advantageous if you have a high-interest loan or a car that depreciates rapidly.
Understanding the benefits of GAP insurance can help you make smarter decisions about your car loan. We’ll walk you through what it covers, when it comes in handy and what impacts the cost. Let’s make sure you’re fully covered from day one.
Understanding GAP insurance
As soon as you drive your new car off the lot, its value begins to depreciate. If your car is stolen or involved in a serious accident, your primary insurance typically covers only the actual cash value of the car at the time of the loss. This amount may be significantly less than what you owe on your car loan, leaving you with a financial shortfall.
This is where GAP insurance steps in. It covers the difference between the insurance payout and the outstanding loan amount, ensuring you are not left with a hefty loan balance for a car you no longer possess. Car owners who finance or lease a new vehicle are often required to have GAP insurance by their lenders. However, even if it isn't mandatory, the benefits of GAP insurance can provide peace of mind and protect your financial well-being.
Moreover, GAP insurance can cover deductibles and additional expenses. When you file an insurance claim, you may need to pay a deductible before your primary insurance coverage applies. GAP insurance can help cover this deductible, reducing your out-of-pocket costs. Additionally, it may cover extra expenses incurred during the claims process, such as rental car fees or towing charges.
By understanding what GAP insurance covers, you can have peace of mind knowing that you are financially protected in various scenarios. To learn more about the benefits of GAP insurance, contact Solarity Credit Union today or visit our website with more information and FAQ’s.
Situations where GAP insurance is beneficial
GAP insurance is a valuable coverage option that can protect you financially in various situations. Let's explore some common scenarios where GAP insurance really shines:
New car purchases: When you buy a brand-new car, its value depreciates significantly as soon as you drive it off the lot. In the event of a total loss due to theft or accident, your auto insurance typically covers the actual cash value (ACV) of the car, which may be lower than the amount you owe on your loan. GAP insurance bridges this gap by covering the difference between the ACV and the outstanding loan balance.
Financing a car with a small down payment: If you put little or no money down when financing, you could owe more than the car is worth. GAP insurance covers the potential shortfall and gives you peace of mind.
Leasing a vehicle: Leasing a car might feel like renting a nice pair of shoes—until you step in a puddle. If your leased vehicle is totaled, GAP insurance covers the difference between the lease payoff and the car’s ACV, ensuring that you’re not stuck with extra fees.
Buying a car with a long loan term: Longer loans often mean lower monthly payments, but they also mean your car depreciates faster than you’re paying off the loan. GAP insurance bridges the difference if the car is totaled.
Factors affecting the cost of GAP insurance
Several factors influence the cost of GAP insurance, including your car’s make, model, age, loan terms, insurer and even your credit and driving history:
- Newer and more expensive vehicles often mean higher premiums. The bigger the gap between your car’s value and what you owe, the more you’ll likely pay.
- Loan or lease terms also play a role. Longer terms can lead to higher costs since the difference between your loan balance and car value may grow over time.
- Insurance providers and policy options vary, so comparing quotes is key. Shopping around can help you find the best coverage at the right price.
- Finally, your credit history and driving record matter. A strong credit score and a clean driving record might help you land a lower premium.
At Solarity, we understand the importance of protecting your investment and your financial well-being. We offer GAP insurance to our members, ensuring that you have the coverage you need in case of an unfortunate event. Our GAP insurance offers up to $1,000 of insurance deductible coverage,* $1,000 credit towards the Solarity financing of a replacement vehicle and can be added to any vehicle loan for a low, flat, one-time premium of $399. Contact us today to learn more about our GAP insurance options and how we can help you stay financially secure.
GAP insurance may not be something you think about every day, but when the unexpected happens, it could be a lifesaver. If you’re driving a new car, leasing or have a small down payment, GAP insurance ensures you won’t be left paying for a car you no longer have. Ready to get covered? Contact Solarity Credit Union at 800.347.9222 today or visit our website for more information or to get a free, no-obligation quote. Our experts are here to help you stay financially secure, no matter what the road throws your way.