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
The spots you may have missed on your spring cleaning checklist in 2024
It’s that time of year when it’s important to bring out the strong stuff – cleaner that is – and use some elbow grease to knock out those winter cobwebs and dust bunnies. If you’ve done your spring cleaning already – bravo! If it’s still on your “to do” list – no judgement, us too, and be sure to check out our full spring cleaning checklist. Beyond the obvious ones - like windows, baseboards and wiping down outdoor furniture - we want to make sure you don’t miss some of the often-overlooked spots.
Another one fights the dust
Getting rid of dust creates a healthier living environment. You will improve the air quality in your home since dust often contains irritants that can fuel allergies and other health issues. Baseboards, shelves, end tables and windowsills are easily seen, but did you give a good dusting to the following?
- Blinds/shutters: Dust can really stack up on your window coverings over the winter months. A good vacuum followed by wiping them down with a mild soap-and-warm-water mixture should do the trick.
- Curtains: While not the most convenient, take them down and give them a good wash. This will rid the fabric of everything that accumulated there over the winter.
- Under the furniture: It doesn’t take long for dust to settle and build up. If you don’t move your furniture when you vacuum, you’re guaranteeing a safe home for the dust bunnies this summer.
- Top of kitchen cabinets: If your cabinets stretch to the ceiling, lucky you! For the rest of us who have a shelf unseen, it’s a lot of work each spring, but worth it. Buildup from smoke, grease and other wonderful kitchen happenings combined with the dust makes this a must-clean area each year.
Appliance grime … let that sink in
Be honest. What does the top of your microwave look like right now? Again, zero judgement. It’s easy for food deposits to accumulate on your most popular appliances.
- Oven: If you have a self-cleaning oven, get it started. If not, fill an oven-safe pot with water and bake at 475 degrees for 30 minutes. This will loosen up the grease and grime, especially on the door! Then, use an oven cleaner (be sure to follow the directions carefully and wear gloves).
- Dishwasher and sink: For the sink, we are big fans of good, old-fashioned bleach. Let it soak! As for the dishwasher, give it a run without dishes to clean off the excess grime. Be sure to wipe out the buildup along the bottom of the door, where it hinges.
- Fridge: Give your fridge a thorough clean out, tossing older condiments and food. Pull out the shelves and wash them in warm soap and water. It’s time-consuming, but you'll love the results when you're done.
- Microwave: The steam trick works well here, too. Heating up a microwave-safe bowl or mug will loosen what’s on the walls, and then you can really get to work.
Cleaning can be a "watt" of fun
Light fixtures and ceiling fans are popular spots for dust, grime and dead flies or bugs (ew!) to hang out. As the saying goes, when they’re out of sight, they’re out of mind. This is your friendly reminder to include them in your spring cleaning.
- Light fixtures: Use a duster, followed by a damp cloth, to clean out each light fixture. Take care to remove the component that protects the bulb, and soak it in warm, soapy water before re-assembling the fixture. Wait until you see the sparkle!
Ceiling fans: A duster with an arm extender works wonders on fan blades. Follow that with a damp cloth. Just take note - if the buildup is really bad, the dust will fall down onto what’s below. Cleaning ceiling fans regularly is important for the unit to run efficiently and safely. Buildup can knock the fan out of balance, which is a safety risk. And if it’s working harder, you are reducing your energy efficiency.
As you get started on your spring cleaning, you're sure to see some things that need a good spruce-up around your home. You might even notice some projects that may take up more time, energy and money than you had anticipated, like a cracked foundation, leaky pipes or drafty windows. Tapping into the equity you’ve built up in your home can be a great way to accomplish any renovation, repair or makeover goals. A home equity line of credit (HELOC) works a lot like a credit card: you only borrow what you need, when you need it. The experts at Solarity Credit Union would love to help you explore your options and determine if a HELOC is right for your specific wants and needs.
