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Credit Cards

Increase your spending power with a Visa® credit card from Verity

Whether you’re looking to earn rewards on your every day purchases or have a card for an emergency, we can help. Choose from one of the card types below.

Features of Verity credit cards


Platinum Visa

If you are in need of a basic, no-frills credit card, we’ve got you covered! Our Visa Platinum card has no annual fee and features our lowest interest rate. This is an excellent option for those looking to build a credit history or add a secondary card. 

Signature Rewards Visa

Reward yourself when making every day purchases with our Visa Signature Rewards card. With no annual fee, you'll earn 1.5 points on every dollar spent, maximizing your rewards. 

You Have A Choice In Where You Bank

Verity is a local credit union that believes in socially responsible banking. We’re part of a movement working to create stronger, healthier, more sustainable communities because we believe a financial institution can do good. When you bank with Verity, your money helps make positive impacts in our vibrant communities. Rather than investing in Wall Street, about 90% of our deposits are used to invest in the local economy and members through loans, whether it’s a loan for an eco-friendly car or adding a tiny home to your backyard. 

Why Verity?
  • Signature Rewards Program

    Earn 1.5 points for every $1 spent. Redeem those points for a variety of purposes, including:

    • Cash back: Deposit funds to your checking or savings account, or apply it towards your next credit card payment. Minimum redemption of 2,500 points to receive $25.
    • Travel: Use for plane tickets, hotels, car rentals, and more.
    • Gift cards: Select from national retailers and a range of denominations.
    • Merchandise: Choose from a variety of electronics, housewares, tools, movies, jewelry, and more.

    When you're ready to redeem, simply access the credit card management site via Digital Banking.

    Bonus point offer:

    Open a new Signature Rewards credit card and when you spend $1,000 in the first 90 days, you will earn an extra 10,000 points. Contact a Verity representative for details. 

    Apply Now
  • Card Security

    Report a lost or stolen card 

    In the event your debit or credit card is lost or stolen, please report it immediately.

    Call (206) 440-9000 or (800) 444-4589 and select the menu option for either “credit card related requests” or “debit card related requests.”

    If you have misplaced your credit card, you can also report it lost or stolen via the credit card management site in Digital Banking or through Verity's credit card mobile app (available for Apple and Android devices). And, if you aren't ready to fully report the card lost and request a new one, you can simply turn your card "off" in the credit card mobile app and turn it back "on" when you find it again. 

    Card fraud monitoring 

    Verity uses a service that monitors our members’ credit and debit cards for fraudulent activity. You may receive an automated message, directing you to call a number to verify charges they suspect are fraudulent. Please note that large purchases or transactions conducted outside of your normal geographic area may prompt a notice even if it’s you making the purchase. If you are ever unsure about whether the call is legitimate, you can respond to the automated message by calling Verity directly and following the prompts to the debit or credit card menus. 

    Verity's credit card app (available for Apple and Android devices) also allows you to turn your card "on" or "off," giving you peace of mind if you temporarily misplace it.  

    You can also sign up for Visa Purchase Alerts for your credit or debit card to help you track your transactions and know when someone uses your card without your permission. Sign up for Visa Purchase Alerts at

    Fraud alerts 

    Want to place a free fraud alert on your credit report? Call one of the following credit bureaus: 

    Equifax: (800) 525-6285

    Experian: (888) 397-3742

    TransUnion: (800) 680-7289

    Placing a fraud alert on your credit report is free and remains active for 90 days. After that period, the alert can be renewed. 

  • Card Disputes

    Even with card monitoring, sometimes fraudulent transactions and double charges make it through. Know that you are protected by Visa’s Zero Liability Policy and won’t be held responsible for unauthorized charges.  

    Dispute charges online

    • For charges completed with your debit card, find the transaction in Digital Banking and click the "dispute" link to the right of the transaction.
    • For credit card charges, find the transaction in the card management website or mobile app and click the "dispute" link.  

    Dispute charges in branch or via phone

    Fraudulent activity

    If you suspect fraudulent activity on your account, please contact us during normal business hours at (800) 444-4589 or (206) 440-9000 . You will also need to fill out and submit the Fraudulent Card Transaction Dispute form as soon as possible. If you suspect the fraudulent activity was done through an ATM, please fill out and submit the Affidavit of Unauthorized ATM/Debit PIN Transactions form.

    Stay up to date on any current security alerts on our fraud and security page.

  • Frequently Asked Questions

  • Balance Transfer

    What are the benefits?

    Verity offers balance transfers so you can easily consolidate your debt into one account.  With our credit cards, no matter how long you have held your card, when you initiate a balance transfer you do not have to worry about interest for 12 months.  And, with a one time fee of 3% you can start saving right away. If you don't have a credit card with Verity, you can initiate a balance transfer when you apply!

    Already have a card with Verity?

    If you already have a credit card at Verity and want to transfer your balance, you can start it online yourself! Just log in to Digital Banking and navigate to the credit card management site. You should see a link for "balance transfer" under the Quick Links menu.

    For detailed instructions, please visit the FAQ.


Credit cards available to Verity Credit Union members only. If not existing member at time of applying, applicant will be required to establish Prime Share membership account as part of credit card opening. $5 membership fee is required to join Verity.
*Rates current as of 5/25/23 and will vary with market based Prime Rate. Introductory 0% Annual Percentage Rate (APR) is for the first 12 billing cycles. Your APR after introductory period and for purchases outside of promotional rate will be determined in accordance with Verity’s loan policy and your credit profile. Platinum Visa rate range is 11.99 % - 21.99 % APR. Signature Rewards Visa rate range is 15.49 % - 22.00 % APR. For complete details, read our Credit Card Agreement and Credit Card Rates and Related Disclosures document.
**0% Annual Percentage Rate (APR) on transferred balances for the first 12 billing cycles after the balance transfer is completed. Balance transfers carry a fee equal to 3% of the transferred balance amount. Your APR after the introductory period and for purchases outside of the promotional rate will be determined in accordance with Verity’s loan policy and your credit profile. Platinum Visa rate range is 11.99 % - 21.99 % APR. Signature Rewards Visa rate range is 15.49 % - 22.00 % APR.

You have a choice in where you bank

Apply Now