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 is an emergency fund and why do you need one?
Life is full of surprises. Some are great, like finding money in an old coat pocket. Others? Not so much, like an unexpected car repair or medical bill. That’s where an emergency fund comes in. It’s your financial safety net, giving you peace of mind and a buffer between you and debt.
Without a safety net, a single unexpected expense can throw off your entire budget, forcing you to rely on credit cards or loans. By having an emergency fund in place, you can handle life’s surprises without the stress of wondering how you’ll pay for them.
What is an emergency fund?
An emergency fund is a dedicated savings account designed to cover unplanned expenses. Unlike savings for a vacation or new gadget, this fund is strictly for things like medical emergencies, car repairs or urgent home fixes. The goal is to have cash readily available so you don’t have to turn to high-interest debt when the unexpected happens.
How much should an emergency fund be?
A common rule of thumb is to save three to six months’ worth of essential living expenses. But the right amount depends on your lifestyle, job stability and financial commitments.
Here’s a simple way to estimate your ideal emergency fund size:
- Add up your monthly necessities—rent/mortgage, utilities, groceries, insurance and minimum loan payments.
- Multiply that by the number of months you want your fund to cover.
For example, if your basic expenses are $2,500 per month and you want a three-month cushion, aim for at least $7,500 in your emergency fund. If your job is less stable or you have dependents, a six-month cushion may be a better target.
If saving that much feels overwhelming, don’t stress. Start small. Even setting aside $500 to $1,000 can make a huge difference when an unexpected bill comes your way.
Where to keep your emergency fund
The best place for your emergency fund is somewhere safe, separate from your everyday spending money and easy to access when needed.
Here are some good options:
- A Bonus Savings account – Earn a great rate while keeping funds available. Bonus Savings rewards you with a higher dividend rate when you meet the easy qualifications, making it a great option to help your money grow faster.
- A money market account – Offers higher returns than a standard savings account, and the more you save, the more you earn with tiered rates.
- A separate savings account at your primary bank or credit union – This keeps your emergency savings separate from everyday expenses, reducing the temptation to spend it.
Avoid putting your emergency fund in investment accounts like stocks or mutual funds. While those can offer higher returns, they come with risk - your money might not be there when you need it.
How to build an emergency fund
Starting an emergency fund might seem daunting, but the key is consistency. Here’s how to get going:
- Open a separate account – A Solarity Bonus Savings account can help you earn a better return while keeping your emergency fund safe and accessible.
- Automate your savings – Set up automatic transfers from your checking account so you’re always making progress. Even $25 per paycheck adds up over time.
- Set a goal – Begin with a small milestone, like $500 or $1,000, then work toward a larger amount over time. Use our savings calculator to help you see what’s possible.
- Cut unnecessary expenses – Look for small ways to save, like skipping takeout once a week or canceling unused subscriptions, and redirect that money into your emergency fund.
- Use windfalls wisely – Tax refunds, bonuses and birthday money are great ways to give your savings a quick boost. Instead of spending it, put a portion into your emergency fund.
When should you use your emergency fund?
Your emergency fund is there to protect you, but it’s important to use it wisely. True emergencies include:
- Unexpected medical expenses
- Car repairs or home fixes that can’t wait
- Sudden job loss or reduced income
- Essential travel (like a last-minute flight for a family emergency)
Try not to dip into your emergency fund for non-essentials like vacations, shopping or entertainment. If you do need to use it, make a plan to rebuild it as soon as possible.
Stay prepared, stay secure
Building an emergency fund takes time, but every step forward strengthens your financial security. Start small, stay consistent and enjoy the peace of mind that comes with knowing you’re ready for whatever life throws your way. If you have questions or need help getting started, we’re here for you. Stop by a Solarity branch or give us a call at 800.347.9222. We’d be happy to help you find the right savings account and create a plan to start building your emergency fund today.