Local 804 Credit Union
Earn up to 1.5% cashback at Local 804 Credit Union.
Pay with a virtual card and earn cashback.
Offer terms
Get 1.5% cashback at Local 804 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.
Local 804 Federal Credit Union is a not-for-profit financial cooperative headquartered in Port Washington, New York, chartered in 1978. It serves members and employees of Teamsters Local 804 (UPS), Local 808, and Local 447 IAMAW, plus their families. Services include checking, savings, high-yield savings, share certificates, auto and mortgage loans, credit cards, and online and mobile banking.
Founded in 1978 by Teamsters Local 804 President Ron Carey, Local 804 Federal Credit Union has spent decades helping UPS drivers, warehouse workers, and their union families in the New York area build real financial security. Beyond standard checking and savings, members get retiree-focused perks like early pension deposit, high-yield savings, share certificates, rewards credit cards, and vehicle and mortgage loans, all delivered with the trust of a union-owned institution. Alongside banking with Local 804 FCU, members can also use Fluz to earn extra cashback and rewards on everyday purchases, gift cards, and bill payments, helping hardworking union families keep more of every paycheck.
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.