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
Make tax season less taxing: 6 tips for a faster refund
Tax season is here, and the IRS is busier than ever processing returns and assisting taxpayers. Long phone wait times and high demand can slow things down, but following these simple tips can help you file accurately, avoid delays and get your refund faster (if you’re expecting one).
1. Use IRS online resources
Need help? The IRS website has answers to most tax-related questions, so you can avoid long hold times on the phone. If you’re filing on your own, you may qualify to use IRS Free File if your income is $84,000 or less. The IRS partners with tax software providers to offer free guided filing options including Spanish-language support. If you’re comfortable filing independently, free fillable forms are available for all income levels.
2. E-file and choose direct deposit
The fastest way to file and receive your refund is to e-file and select direct deposit. According to the IRS, e-filing reduces errors because the software does the calculations for you. Plus, choosing direct deposit ensures your refund arrives faster than waiting for a check in the mail. Need your direct deposit details? You can find them in Solarity’s online banking. If you prefer a paper check, use the Solarity mobile app to deposit it from home—no branch visit needed.
3. Maximize your deductions and credits
Make sure you’re taking advantage of all available tax deductions and credits, like the Child Tax Credit and Education Credits. A little research now can help you keep more of your hard-earned money.
4. Don’t forget: You can still contribute to your IRA for last year
If you're looking for a smart way to lower your taxable income while saving for retirement, you still have time. The IRS allows contributions to Traditional and Roth Individual Retirement Accounts (IRAs) for the previous tax year until April 15, 2025. That means you can add to your savings and potentially reduce what you owe for 2024. Maximize your contribution with a Solarity IRA Certificate, which offers a guaranteed rate and low fees to help your retirement grow steadily without the stress of market volatility.
5. Watch out for tax scams
Tax season is prime time for fraudsters. Be cautious of phone calls, emails or texts claiming to be from the IRS. The IRS will never contact you by email, social media or text messages. They use the U.S. Postal Service for official communication. Visit the IRS website to report scams or verify if a message is legitimate.
6. Double-check your return
Errors or missing information can delay your refund and cause processing headaches. Before submitting your return, take a few extra minutes to:
- Review your personal details (Social Security number, bank info, etc.)
- Ensure all forms and credits are included
- Double-check your math (if filing manually)
By following these steps, you’ll file with confidence and get your refund as quickly as possible.
Helpful IRS resources for filing your 2024 taxes
Check out these official IRS links for tips, tools and filing assistance:
- Top things to know when filing your 2024 tax return
- Common tax law questions – answers to frequently asked tax questions
- Electronic filing options for individuals – learn about e-filing and free file programs
- Tax tips and resources for a smoother filing process
Need additional help? Consult a tax professional for personalized guidance.
Make the most of your tax refund
Once your refund arrives, why not put it somewhere it can grow even faster? Solarity’s Bonus Savings earns a rate that’s 5x the national average, so you can maximize your money with zero risk.*
Another smart idea? Use that refund to fund your retirement nest egg. Open a Solarity IRA certificate to build long-term savings with competitive rates, guaranteed returns, low fees and peace of mind.
*According to Bankrate.com (Feb. 2025)