Hema Credit Union
Earn up to 1.5% cashback at Hema Credit Union.
Pay with a virtual card and earn cashback.
Offer terms
Get 1.5% cashback at Hema 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.
HEMA Federal Credit Union takes its name from Healthcare Employees Mid-Atlantic, reflecting its 1969 founding to serve hospital and medical staff around Washington, D.C. Headquartered in Silver Spring, Maryland, it primarily serves MedStar-affiliated employees and their relatives, offering a not-for-profit alternative built specifically around the needs of healthcare workers.
HEMA Federal Credit Union was created back in 1969 specifically for the people who keep hospitals running: nurses, technicians, and healthcare staff across the Washington, D.C. area. Based in Silver Spring, Maryland and tied closely to MedStar employees, HEMA offers the kind of personalized savings, checking, and loan support that big banks rarely bother with for niche workforces. It's banking built around shift schedules and real financial needs. Connect your HEMA accounts to Fluz and you can start earning cashback on everyday spending and debit card use, adding a small bonus to the credit union that already has your back.
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.