Main Impact Credit Union
Earn up to 1.5% cashback at Main Impact Credit Union.
Pay with a virtual card and earn cashback.
Offer terms
Get 1.5% cashback at Main Impact 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.
Main Impact Federal Credit Union began in 1978 as Murray State University's employee credit union in Murray, Kentucky, later adding school district and hospital staff. Rebranded from MSU Federal Credit Union in 2023 after converting to a community charter, it now serves anyone who lives, works, worships, or studies in Calloway County with modern deposit and lending products.
What started as a credit union for Murray State University faculty in 1978 has grown into Main Impact Federal Credit Union, a community charter open to everyone in Calloway County, Kentucky. Members enjoy competitive loan rates, low-fee checking, and the personal touch of a locally governed cooperative rather than a distant corporate bank. Whether you're a Racer alum, hospital employee, or lifelong Murray resident, Main Impact welcomes you home. Make your money work even harder by linking your Main Impact debit or credit card to Fluz, turning routine purchases and bill pay into cashback rewards while you stay loyal to a credit union built around your community.
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.