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110 N 5th Ave
Yakima, WA 98902

Solarity Credit Union is headquartered in Yakima and is the 19st largest credit union in the state of Washington. It is also the 425th largest credit union in the nation. It was established in 1951 and as of March of 2014, it had grown to 107 employees and 48,294 members. Solarity Credit Union has a A health rating.

Field of Membership Restrictions

Membership is open to anyone who lives, works, worships or attends school within a Washington state school district. - See Details

Reviews (3)

Things Have Changed And Not For The Better After This Merger


 I have been a 25 yr loyal customer of the Yakima Valley Credit Union prior to its merger with the Yakima Catholic Credit Union which now both are known as Solarity Credit Union. For the most part I have had excellent customer service with the original Yakima Valley Credit Union. After the merger it has been a completely different experience. I voted for the merger when this issue came up and now I wish I would have voted against it. The branch I have banked at for over 25yrs has been closed and moved into the previous Catholic Credit Union building. The location is not far from the original building YVCU building but parking and access to this location is not as easy to get into as the now closed YVCU location. Things have changed and I don't like it at all. The quality of customer service has really diminished and the internet access software they adapted to from the Catholic Credit Union is not user friendly at all. I am now to the point to where I am opening 6 new accounts with the Calcoe Federal Credit Union in Yakima. This is going to be quite a difficult transition because of the number of accounts and sub accounts that I have had setup for years at the previous YVCU branch but for my own piece of mind I have to make this change. If I could only go back in time.... I would have lobbied hard against this merger. I sure miss the old YVCU. 

Solarity Credit Union

I am a member of Solarity CU because of the merger and a former long-time member and employee of Yakima Valley Credit Union.  I left of my own accord prior to the current management and merger took place.  To say that service has diminshed since the merger is putting it mildly.  What used to be a friendly, family-like atmosphere has changed to a cold, it's-all-about-the-business tone.  I understand change and welcome it when it's for the better, but this has not been for the better.  I am a member of three other credit unions, and as soon as I can get my loans paid off at Solarity, I will be moving all of my accounts to one of them.

I Love My Credit Union!!

This is the place to bank. I always go to the main branch and I'm greeted by this nice lady. Coffee is always available, excellent customer service, & even when the lines are long I don't have to wait very long. I've never banked at a place where they actually listen to your needs rather than just selling you products you don't really need.they listen to your needs and direct you to the right products. The merger has added more branches which I'm very excited about. I an proud to bank at Solarity Credit Union.


Data for Q1 2014

Institution Health


Texas Ratio


The Texas Ratio is an indicator of how much capital a bank has available compared to the total value of loans considered at risk. As of March 31, 2014 Solarity Credit Union had $3.95 million in non-current loans and owned real-estate with $75.75 million in equity and loan loss allowances on hand to cover it. This gives Solarity Credit Union a Texas Ratio of 5.22% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend


The Texas Ratio for Solarity Credit Union experienced no significant changes from 5.64% as of March 31, 2013 to 5.22% as of March 31, 2014, resulting in a positive change of 7.42%.This indicates that the balance sheet and financial strength for Solarity Credit Union has had no significant changes in recent periods.

Deposit Growth


In the past year, Solarity Credit Union has increased its total deposits by $12.23 million, resulting in 2.91% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Solarity Credit Union has shown is above average.



Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Solarity Credit Union has $530.86 million in assets with $75.75 million in equity, resulting in a capitalization level of 14.27%, which is excellent.

Institution Statistics

NCUA #68061
Year Chartered1951
Primary Regulator
Assets and Liabilities
Assets$530.86 million
Loans$333.20 million
Deposits$432.82 million
Equity Capital$73.90 million
Loan Loss Allowance$1.85 million
Unbacked Noncurrent Loans$3.48 million
Real Estate Owned$475,000
Historic Data - March 2013
Assets$499.41 million
Equity Capital$68.02 million
Loan Loss Allowance$2.07 million
Unbacked Noncurrent Loans$3.48 million
Real Estate Owned$134,000
Profit Margin - Quarterly
Net Interest Margin1.15%
Return on Assets2.14%
Return on Equity15.39%
Interest Income$4.35 million

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Solarity Credit Union Savings Account Rates

0.20%$25-IRA Master Account
0.20%$20k-Health Savings Account
0.05%$25-Primary Savings Account

Solarity Credit Union Money Market Rates

0.40%$100k-Money Market Advantage

Solarity Credit Union Checking Account Rates

0.11%$25k-Dividend Checking

Solarity Credit Union CD Rates

1.76%$75k-48 Month CD
1.21%$75k-36 Month CD
0.80%$75k-24 Month CD
0.50%$75k-12 Month CD
0.40%$75k-6 Month CD
0.35%$75k-3 Month CD

Solarity Credit Union IRA Rates

1.76%$75k-48 Month IRA
1.21%$75k-36 Month IRA
0.80%$75k-24 Month IRA
0.50%$75k-12 Month IRA
0.40%$75k-6 Month IRA
0.35%$75k-3 Month IRA

Solarity Credit Union Locations
Branch Office703 N Park CtrSelah, WA 98942
Branch Office308 Washington AveToppenish, WA 98948
Branch Office122 N 50th AveYakima, WA 98908
Branch Office171 Iron Horse CtYakima, WA 98901
Branch Office6600 W Nob Hill BlvdYakima, WA 98908
Branch Office900 S Ruby StEllensburg, WA 98926
Main Office110 N 5th AveYakima, WA 98902
ATM Location2811 Tieton DrYakima, WA 98902
ATM Location128 North Second Street (main floor)Yakima, WA 98901