KeyPoint Credit Union
Earn up to 1.5% cashback at KeyPoint Credit Union.
Pay with a virtual card and earn cashback.
Featured offer terms
Get 1.5% cashback on your purchases at KeyPoint Credit Union.
Offer valid while supplies last.
Offers are subject to change - check here before purchasing.
What is KeyPoint Credit Union
KeyPoint Credit Union, chartered in 1979 as AEA Credit Union for tech-industry employees, is headquartered in Santa Clara, California. A not-for-profit, member-owned institution, it serves over 52,000 members with roughly $1.6 billion in assets across Santa Clara, Alameda, San Mateo, Contra Costa, Sacramento, El Dorado, Placer, Santa Barbara, and Ventura counties. Offers checking, savings, mortgages, auto loans, credit cards, and business banking services.
Banking with KeyPoint Credit Union means joining a member-owned institution that's grown from a small tech-employee credit union founded in 1979 into a trusted Bay Area financial partner with over 52,000 members. Whether you're paying down an auto loan, managing everyday checking, or picking up a gift card, you can use the Fluz app to turn those everyday KeyPoint transactions into real cashback. It's a simple way to make your loan payments and purchases work harder for you, all while banking with a not-for-profit credit union that's part of the Silicon Valley community it serves.
Frequently asked questions
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.
KeyPoint Credit Union