What are the current interest rates at Solarity Credit Union?

Current rates for Solarity Credit Union include: 12-Month CD: 0.10%, 24-Month CD: 0.15%, Savings: 3.05%, MMA: 2.25%

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Survey Results We asked readers after the Fed’s Sept. 16 hike: 50% of savers say their bank still has not raised their rate since the Fed funds rate increase. See the full results

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Solarity Credit Union

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Solarity Credit Union Rates & Review October 2026

Q: How many branches does Solarity Credit Union operate?

Solarity Credit Union currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Q: Is a member application needed to join Solarity Credit Union?

Yes, to access services at Solarity Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations.

Q: Is there a first-time homebuyer program?

Currently, Solarity Credit Union does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Solarity Credit Union provides members with tools to manage their accounts and build a solid financial history.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: October 10, 2026

Solarity Credit Union's top rates as of October 10, 2026 are 4.00% APY on its 13 Month CD special, 3.05% APY on savings, 2.25% APY on money market accounts, 0.11% APY on checking, and auto loans from 4.48% APR, according to rates verified by MonitorBankRates. Other Solarity Credit Union CD rates include 13-month CD at 4.00%, IRA CD (Traditional and Roth) - 12 month at 3.80%, and 26 Month CD special at 3.04%. MonitorBankRates evaluates the financial stability of Solarity Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 2.09%. Rates last updated and verified on 10/10/2026.

Solarity Credit Union money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at Solarity Credit Union? Share your experience about Solarity Credit Union by leaving a review below, or read customer reviews before you decide to use Solarity Credit Union.

Verified Healthy Q2 2026 Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

A+

Exceptional Health Score: 99/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

2.09%

Excellent Lower than avg

Health Trend

Very strong 12 quarters

Full history ›

Solarity Credit Union
North 5th Ave Branch

110 N 5th Ave
Yakima, WA 98902

https://www.solaritycu.org

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Financial health data as of Q2 2026 (NCUA 5300 call report for the quarter ended June 30, 2026). This is the most recent call report available. The NCUA publishes credit union call reports about ten weeks after each quarter ends.

Solarity Credit Union CD Rates

Product	Rate	APY	Term
13 Month Certificate special	-	4.00%	13 months
Min Deposit $10,000 Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 4.00% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.09%
13-month share certificate	-	4.00%	13 months
Min Balance $10,000 Details Rates accurate as of October 09, 2026. Maximum opening deposit of $1 million. Does not apply to IRAs. A penalty may be imposed for early withdrawal. Fees may reduce earnings. Last Updated 10/10/2026 Rate History No change since Sep 18, 2026 · 4.00% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.09%
IRA Certificate (Traditional and Roth) - 12 month	-	3.80%	12 months
Min Balance $10,000 Details Balance: $10,000 - $74,999.99 Last Updated 10/10/2026 Rate History 1 change since Sep 14, 2026 · 0.10% → 3.80% ▲ 3.70 pts · high 3.80% / low 0.10% Sep 18, 20263.80%▲ from 0.10% Sep 14, 20260.10%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.09%
IRA Certificate (Traditional and Roth) - 12 month	-	3.80%	12 months
Min Balance $75,000 Details Balance: $75,000 and over Last Updated 10/10/2026 Rate History 1 change since Sep 14, 2026 · 0.10% → 3.80% ▲ 3.70 pts · high 3.80% / low 0.10% Sep 18, 20263.80%▲ from 0.10% Sep 14, 20260.10%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.09%
26 Month Certificate special	-	3.04%	26 months
Min Deposit $25,000 Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 3.04% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.09%
IRA Certificate (Traditional and Roth) - 24 month	-	2.85%	24 months
Min Balance $10,000 Details Balance: $10,000 - $74,999.99 Last Updated 10/10/2026 Rate History 1 change since Sep 14, 2026 · 0.15% → 2.85% ▲ 2.70 pts · high 2.85% / low 0.15% Sep 18, 20262.85%▲ from 0.15% Sep 14, 20260.15%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.09%
IRA Certificate (Traditional and Roth) - 24 month	-	2.85%	24 months
Min Balance $75,000 Details Balance: $75,000 and over Last Updated 10/10/2026 Rate History 1 change since Sep 14, 2026 · 0.15% → 2.85% ▲ 2.70 pts · high 2.85% / low 0.15% Sep 18, 20262.85%▲ from 0.15% Sep 14, 20260.15%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.09%
IRA Certificate (Traditional and Roth) - 36 month	-	2.85%	36 months
Min Balance $10,000 Details Balance: $10,000 - $74,999.99 Last Updated 10/10/2026 Rate History 1 change since Sep 14, 2026 · 0.25% → 2.85% ▲ 2.60 pts · high 2.85% / low 0.25% Sep 18, 20262.85%▲ from 0.25% Sep 14, 20260.25%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.09%
IRA Certificate (Traditional and Roth) - 36 month	-	2.85%	36 months
Min Balance $75,000 Details Balance: $75,000 and over Last Updated 10/10/2026 Rate History 1 change since Sep 14, 2026 · 0.25% → 2.85% ▲ 2.60 pts · high 2.85% / low 0.25% Sep 18, 20262.85%▲ from 0.25% Sep 14, 20260.25%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.09%
24 Month Certificates	-	0.55%	24 months
Min Deposit $75,000 Min Balance $75,000 Details Balance: $75,000 and over Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 0.55% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.09%
36 Month Certificates	-	0.55%	36 months
Min Deposit $75,000 Min Balance $75,000 Details Balance: $75,000 and over Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 0.55% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.09%
48 Month Certificates	-	0.55%	48 months
Min Deposit $75,000 Min Balance $75,000 Details Balance: $75,000 and over Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 0.55% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.09%
12 Month Certificates	-	0.50%	12 months
Min Deposit $75,000 Min Balance $75,000 Details Balance: $75,000 and over Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 0.50% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.09%
24 Month Certificates	-	0.50%	24 months
Min Deposit $10,000 Min Balance $10,000 Details Balance: $10,000 - $74,999.99 Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 0.50% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.09%
36 Month Certificates	-	0.50%	36 months
Min Deposit $10,000 Min Balance $10,000 Details Balance: $10,000 - $74,999.99 Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 0.50% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.09%
48 Month Certificates	-	0.50%	48 months
Min Deposit $10,000 Min Balance $10,000 Details Balance: $10,000 - $74,999.99 Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 0.50% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.09%
12 Month Certificates	-	0.45%	12 months
Min Deposit $10,000 Min Balance $10,000 Details Balance: $10,000 - $74,999.99 Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 0.45% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.09%
48 Month Certificates	-	0.25%	48 months
Min Deposit $500 Min Balance $500 Details Balance: $500 - $9,999.99 Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 0.25% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.09%
6 Month Certificates	-	0.25%	6 months
Min Deposit $10,000 Min Balance $10,000 Details Balance: $10,000 - $74,999.99 Last Updated 10/10/2026 Rate History 1 change since Sep 14, 2026 · 0.05% → 0.25% ▲ 0.20 pts · high 0.25% / low 0.05% Sep 22, 20260.25%▲ from 0.05% Sep 14, 20260.05%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.09%
6 Month Certificates	-	0.25%	6 months
Min Deposit $75,000 Min Balance $75,000 Details Balance: $75,000 and over Last Updated 10/10/2026 Rate History 1 change since Sep 14, 2026 · 0.05% → 0.25% ▲ 0.20 pts · high 0.25% / low 0.05% Sep 22, 20260.25%▲ from 0.05% Sep 14, 20260.05%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.09%
IRA Certificate (Traditional and Roth) - 36 month	-	0.25%	36 months
Min Balance $500 Details Balance: $500 Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 0.25% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.09%
3 Month Certificates	-	0.20%	3 months
Min Deposit $75,000 Min Balance $75,000 Details Balance: $75,000 and over Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 0.20% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.09%
36 Month Certificates	-	0.20%	36 months
Min Deposit $500 Min Balance $500 Details Balance: $500 - $9,999.99 Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 0.20% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.09%
24 Month Certificates	-	0.15%	24 months
Min Deposit $500 Min Balance $500 Details Balance: $500 - $9,999.99 Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 0.15% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.09%
3 Month Certificates	-	0.15%	3 months
Min Deposit $10,000 Min Balance $10,000 Details Balance: $10,000 - $74,999.99 Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 0.15% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.09%
IRA Certificate (Traditional and Roth) - 24 month	-	0.15%	24 months
Min Balance $500 Details Balance: $500 Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 0.15% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.09%
12 Month Certificates	-	0.10%	12 months
Min Deposit $500 Min Balance $500 Details Balance: $500 - $9,999.99 Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 0.10% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.09%
IRA Certificate (Traditional and Roth) - 12 month	-	0.10%	12 months
Min Balance $500 Details Balance: $500 Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 0.10% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.09%
3 Month Certificates	-	0.05%	3 months
Min Deposit $500 Min Balance $500 Details Balance: $500 - $9,999.99 Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 0.05% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.09%
6 Month Certificates	-	0.05%	6 months
Min Deposit $500 Min Balance $500 Details Balance: $500 - $9,999.99 Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 0.05% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.09%

Solarity Credit Union Savings Rates

Product	Rate	APY
Solarity Savers	-	5.00%
Min Deposit $5 Min Balance $0 Details Qualifications Required; To earn the advertised APY, post and settle 20+ member-initiated transactions per month in a linked Solarity checking account. If qualifications are not met, account will earn 0.05% APY. Limit one Solarity Savers account per membership; not available for businesses. Fees may reduce earnings. Last Updated 10/10/2026 Rate History No change since Sep 27, 2026 · 5.00% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.09%
Bonus Savings	-	3.05%
Min Deposit $5 Min Balance $0 Details Qualifications Required: Sign up for eStatements; Link Bonus Savings to a Solarity checking account; Make 20 or more debit card purchases each month; Earn 3.05% APY on balances up to $10,000 and 0.05% APY on balances over $10,000 when you settle and clear 20+ debit card purchases per month with a linked Solarity checking account and enroll in eStatements. If qualifications aren't met, all balances earn 0.05% APY. Minimum to earn APY is $0.01. Rates and terms subject to change after account opening. Limit of one Bonus Savings per checking account. Last Updated 10/10/2026 Rate History No change since Sep 18, 2026 · 3.05% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.09%
Bonus Savings	-	3.05%
Min Balance $10,000 Details Published APY range: 3.05% to 0.05%. Balance: $10,000.01+ Last Updated 10/10/2026 Rate History No change since Sep 18, 2026 · 3.05% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.09%
Traditional IRA Savings	-	0.20%
Min Balance $0 Details IRA Savings (Traditional and Roth) Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 0.20% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.09%
Additional Savings	-	0.05%
Min Balance $5 Details Balance: $5 Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 0.05% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.09%
Bonus Savings	-	0.05%
Min Balance $0 Details Balance: $0.01 Last Updated 10/10/2026 Rate History 1 change since Sep 18, 2026 · 3.05% → 0.05% ▼ 3.00 pts · high 3.05% / low 0.05% Oct 10, 20260.05%▼ from 3.05% Sep 18, 20263.05%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.09%
Primary Savings	-	0.05%
Min Balance $5 Details Balance: $5 Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 0.05% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.09%
Solarity Savers	-	0.05%
Min Balance $0 Last Updated 10/10/2026 Rate History 1 change since Sep 27, 2026 · 5.00% → 0.05% ▼ 4.95 pts · high 5.00% / low 0.05% Oct 10, 20260.05%▼ from 5.00% Sep 27, 20265.00%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.09%
Youth Savings	-	0.05%
Min Balance $5 Details Balance: $5 Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 0.05% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.09%

Solarity Credit Union Money Market Rates

Product	Rate	APY
Money Market Max	-	2.25%
Min Balance $100,000 Details Balance: $100,000 - $249,999 Last Updated 10/10/2026 Rate History No change since Sep 18, 2026 · 2.25% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.09%
Money Market Max	-	2.25%
Min Balance $250,000 Details Balance: $250,000 - $499,999 Last Updated 10/10/2026 Rate History No change since Sep 18, 2026 · 2.25% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.09%
Money Market Max	-	2.25%
Min Balance $500,000 Details Balance: $500,000 and over Last Updated 10/10/2026 Rate History No change since Sep 18, 2026 · 2.25% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.09%
Money Market Max	-	1.75%
Min Balance $50,000 Details Balance: $50,000 - $99,999 Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 1.75% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.09%
Money Market	-	1.25%
Min Balance $100,000 Details Balance: $100,000 Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 1.25% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.09%
Money Market	-	1.00%
Min Balance $50,000 Details Balance: $50,000 Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 1.00% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.09%
Money Market	-	0.75%
Min Balance $25,000 Details Balance: $25,000 Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 0.75% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.09%
Money Market	-	0.50%
Min Balance $5,000 Details Balance: $5,000 Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 0.50% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.09%
Money Market	-	0.25%
Min Balance $0 Details Balance: $0.01 Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 0.25% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.09%

Solarity Credit Union Checking Rates

Product	Rate	APY
Dividend Checking	-	0.11%
Min Balance $25,000 Details Balance: $25,000 and over Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 0.11% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.09%
Dividend Checking	-	0.06%
Min Balance $5,000 Details Balance: $5,000 - $24,999.99 Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 0.06% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.09%
Dividend Checking	-	0.01%
Min Balance $250 Details Balance: $250 - $4,999.99 Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 0.01% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.09%

Solarity Credit Union Home Equity & HELOC

Product	Rate	Points	APR	Term	View More
Home equity line	-	-	7.00%
Details As Low As; Home equity product is available in Washington, Oregon and Idaho. The minimum loan amount is $20,000. The Annual Percentage Rate (APR) is a variable rate. Initial rate is based on loan amount, loan to value and credit history. Lowest rate requires automatic payment from a Solarity checking account. Not all applicants will qualify for the lowest rate. Your qualifying rate may adjust monthly and is based on the highest Prime Rate as published in The Wall Street Journal as of the date of any rate adjustment, plus or minus a margin. Under no circumstances will your annual percentage rate exceed 18.000% per annum. Property insurance required. Fees at account opening include a $175 processing fee and $150 document preparation fee. Closing costs range from $1,000-$4,400, depending on appraisal requirements. Offer subject to credit approval, which includes verification of application information and receipt of collateral documents. Not all applicants will qualify. Rates, terms, and conditions subject to change. Consult your tax advisor with any questions regarding tax advantages or deductibility of interest. Last Updated 10/10/2026 Rate History 1 change since Sep 14, 2026 · 6.75% → 7.00% ▲ 0.25 pts · high 7.00% / low 6.75% Sep 22, 20267.00%▲ from 6.75% Sep 14, 20266.75%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.09%

Solarity Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term	View More
Auto refi	-	-	4.48%
Details As Low As; Offer valid on 2022 or newer vehicles financed at a financial institution other than Solarity. Not available for new purchases. Advertised APR is based on automatic payments from a Solarity checking account. Minimum loan amount of $5,000. Last Updated 10/10/2026 Rate History No change since Sep 27, 2026 · 4.48% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.09%

Solarity Credit Union RV, Boat and Powersport Loan Rates

Product	Rate	APR	Term	View More
Boat, trailer and motor sport loans	-	6.44%	84 months
Details New and used boats, 2019 or newer Last Updated 10/10/2026 Rate History No change since Sep 18, 2026 · 6.44% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.09%

Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution's data from MonitorBankRates.com, please contact us here.

Financial Health History

Solarity Credit Union’s Texas Ratio rose from 0.69% in Q3 2023 to 2.09% in Q2 2026, so its financial health has stayed very strong over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. Lower Texas Ratios are healthier — this credit union’s entire history sits far below the 15% threshold for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures.

Swipe the chart sideways to see every quarter.

Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade

How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops.

Show the quarterly figures

Quarter	Total assets	Texas Ratio	Star Rating	Health Grade
June 30, 2026	$804M	2.09%	5.0	A+
March 31, 2026	$846M	0.78%	5.0	A+
December 31, 2025	$834M	0.97%	5.0	A+
September 30, 2025	$825M	0.45%	5.0	A+
June 30, 2025	$814M	1.67%	5.0	A+
March 31, 2025	$817M	1.38%	5.0	A+
December 31, 2024	$814M	2.68%	5.0	A+
September 30, 2024	$827M	2.03%	5.0	A+
June 30, 2024	$823M	1.04%	5.0	A+
March 31, 2024	$886M	0.74%	5.0	A+
December 31, 2023	$867M	1.32%	5.0	A+
September 30, 2023	$856M	0.69%	5.0	A+

Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.

Methodology & Data Sources

MonitorBankRates Star Rating

Our rating for Solarity Credit Union is derived from comprehensive financial data published quarterly by the NCUA. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with member feedback (user reviews) to help you make informed banking decisions.

Texas Ratio

We calculate the Texas Ratio using standard industry methodology. This ratio compares the credit union's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.

Rate Data Aggregation

We gather Solarity Credit Union rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.

Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions. It is always advisable to check with Solarity Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Solarity Credit Union

Website https://www.solaritycu.org

Address 110 N 5th Ave, Yakima, WA 98902

Phone 509-248-1720

Fax

President Merrilou Harrison

CEO Mina Worthington

Full-Time Employees 125

Part-Time Employees 2

Branch Locations 6

ATM Locations 7

NCUA Insured ✓ Yes, up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A+ (99/100)

Texas Ratio

2.09%

Return on Assets (ROA)

0.0022%

Return on Equity (ROE)

0.0126%

Non-Performing Loans Ratio (NPL)

0.44%

Total Assets

803,519,517

Total Amount of Shares and Deposits

618,756,617

Total Shares and Deposits < 1 Year

606,888,066

Total Shares and Deposits 1 3 Years

11,754,825

Total Shares and Deposits > 3 Years

113,727

Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)

35,236,555

Total Uninsured Shares and Deposits > $250K (F+J)

35,236,555

Total Insured Shares and Deposits > $250K (item 17 less item K)

583,520,062

Total Interest Expense (Sum of items 6 8)

5,192,248

Share Certificates

2,401

Number of Accounts for Share Drafts

33,490

IRA KEOGH Accounts

375

Number of Accounts for Regular Shares

55,311

Non Member Deposits

Money Market Shares

2,507

Net Worth Classification if credit union is not new (Based upon Call Report data only See instructions)

Well Capitalized

Net Worth Classification if credit union is a new credit union

Well Capitalized

Total Cash on Deposit (Amounts Deposited in Financial Institutions)

25,803,385

Total Liabilities

669,801,920

Source: NCUA — Last Updated 06/30/2026

Q2 2026 MBR Health & Safety Badge

Solarity Credit Union earned the Verified Healthy badge

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Frequently Asked Questions About Solarity Credit Union

How many branches does Solarity Credit Union operate?

Solarity Credit Union currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is a member application needed to join Solarity Credit Union?

Yes, to access services at Solarity Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations.

Is there a first-time homebuyer program?

Currently, Solarity Credit Union does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Are credit management and repair services offered?

While formal credit repair services are not currently listed, Solarity Credit Union provides members with tools to manage their accounts and build a solid financial history.

Does Solarity Credit Union offer online and mobile banking?

Most modern institutions like Solarity Credit Union provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.solaritycu.org.