Helco Credit Union
Earn up to 1.5% cashback at Helco Credit Union.
Pay with a virtual card and earn cashback.
Offer terms
Get 1.5% cashback at Helco 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.
HELCO Federal Credit Union serves members in Hilo on the Big Island of Hawaii. This small, member-owned cooperative offers savings, loans, and everyday financial services with a personal, island-community touch. Profits are reinvested in members through competitive rates and low fees rather than distributed to outside investors.
On the Big Island, HELCO Federal Credit Union brings the aloha spirit to everyday banking. Members in Hilo count on friendly, face-to-face service, sensible loans, and savings accounts that reward loyalty rather than nickel-and-diming. Want to make your money mahalo you back? Add Fluz to the mix and earn instant cashback on gift cards and purchases at hundreds of well-known brands. Those rewards stack neatly on top of the value HELCO already delivers, so whether you are saving for a rainy season or a new set of wheels, every dollar you spend can quietly help build your future.
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.