Hiwassee River Credit Union
Earn up to 1.5% cashback at Hiwassee River Credit Union.
Pay with a virtual card and earn cashback.
Offer terms
Get 1.5% cashback at Hiwassee River 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.
Founded in 1969 as OMC Employees Credit Union, this Charleston, Tennessee institution rebranded to Hiwassee River Credit Union in June 2025 to reflect a broader community charter beyond its original manufacturing-employer roots. It now serves residents throughout the Hiwassee River region with savings, checking, loans, and digital banking services.
What began decades ago as a workplace credit union for OMC employees has grown into Hiwassee River Credit Union, a community-focused cooperative open to residents throughout the region around Charleston, Tennessee. The rebrand reflects a bigger mission: friendly, local banking for anyone nearby. From opening a savings account to using your HRCU debit card for daily errands, banking here already feels personal � and linking your accounts with Fluz adds cashback rewards on top, so loading funds or everyday spending through Hiwassee River Credit Union earns you a little more every time.
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.