Memphis Municipal Employees Credit Union
Earn up to 1.5% cashback at Memphis Municipal Employees Credit Union.
Pay with a virtual card and earn cashback.
Offer terms
Get 1.5% cashback at Memphis Municipal Employees 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.
Memphis Municipal Employees Federal Credit Union (MMEFCU) serves City of Memphis and Shelby County government employees, plus staff of NIDEC Motor Corporation, Memphis-Shelby County Airport Authority, Regional One Health, and Memphis Housing Authority, along with their immediate families. Based in Memphis, TN, it offers savings, checking, auto and signature loans, retirement accounts, and online and mobile banking.
Memphis Municipal Employees Federal Credit Union is a not-for-profit, member-owned financial cooperative built for the people who keep Memphis running. Open to City of Memphis, Shelby County, and partner-employer staff and their families, MMEFCU offers friendly, community-focused banking: share savings, checking, auto and signature loans, retirement accounts, and free access to thousands of shared branches and surcharge-free ATMs nationwide. Because managing money well means every dollar should work harder, MMEFCU members can also use Fluz to earn extra cashback and rewards on everyday spending, gift card purchases, and bill payments � making it easier to save more while banking locally in Memphis.
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.