Members Heritage
Earn up to 1.5% cashback at Members Heritage.
Pay with a virtual card and earn cashback.
Featured offer terms
Get 1.5% cashback on your purchases at Members Heritage.
Offer valid while supplies last.
Offers are subject to change - check here before purchasing.
Members Heritage Credit Union opened in 1960 as IBM (Lexington) Employees Federal Credit Union and adopted its current name in 1993. Headquartered in Lexington, Kentucky, it serves members across more than 20 central Kentucky counties. It holds about $538 million in assets and roughly 54,000 members across five locations.
Members Heritage Credit Union has been serving Central Kentucky since 1960, when it started out as a credit union for IBM's Lexington employees before opening membership to the wider community in the 1990s. Today it welcomes members across more than twenty Kentucky counties with everyday checking, savings, auto loans, and mortgages from a member-owned, not-for-profit institution. Whether you're making a loan payment or handling routine banking with Members Heritage, you can use the Fluz app to earn cashback and rewards on those transactions � an easy way to get a bit more back from the credit union you already trust.
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.