EM Federal Credit Union
Earn up to 1.5% cashback at EM Federal Credit Union.
Pay with a virtual card and earn cashback.
Offer terms
Get 1.5% cashback at EM Federal Credit Union with a Fluz virtual card.
Available while supplies last.
Valid only at official store locations.
Offers are subject to change - check here before purchasing.
EM Federal Credit Union is a Mesa, Arizona cooperative offering personal loans, vehicle financing, savings, and relationship-based service.
Serving members since 1952, EM Federal Credit Union provides personalized account service, unsecured signature loans, new and used vehicle loans, motorcycle and recreational financing, direct deposit, and online banking. Its Mesa location and small-institution model emphasize member relationships and local lending decisions.
What is a Fluz virtual card?
A Fluz virtual card is a digital-only payment card that comes with its own card number, expiration date, CVV, and billing address.
How does cashback work for my Fluz virtual cards?
You earn up to 1.5% cashback on Fluz Virtual Card purchases (sometimes more based on the merchant's offer) with no fees, credit checks, or minimum spend required.
What do I need to do before creating my first virtual card?
Verify your Fluz account by completing identity verification (KYC) and link a bank account to fund purchases.
Where can I use my Fluz Virtual Card, and how do I pay?
Anywhere Mastercard/Visa is accepted, including online and in-store via Apple Pay or Google Pay. If asked, Fluz virtual cards use the same PIN as your Fluz account.
How is my card funded, what are the limits, and when am I charged?
You can fund purchases with your Fluz balance or a linked bank account. You can set a card limit when generating a card, but you're only charged for the amount you actually spend.
Is the Fluz virtual card secure?
Yes. Your card details are protected with Face ID, PIN, or 2FA, and you can lock, unlock, or freeze cards anytime, with additional security controls and real-time alerts.