Northern Valley Credit Union
Earn up to 1.5% cashback at Northern Valley Credit Union.
Pay with a virtual card and earn cashback.
Offer terms
Get 1.5% cashback at Northern Valley 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.
Located on Demers Avenue in Grand Forks, North Dakota, Northern Valley Federal Credit Union brings cooperative banking to members across the Red River Valley. The credit union pairs everyday checking and savings with vehicle and recreational loans, share certificates, debit cards, and modern online and mobile account access.
From Grand Forks with pride: Northern Valley Federal Credit Union treats members like neighbors because in the Red River Valley, they are. Whether you are financing a pickup for winter, opening your first savings account, or locking in a share certificate, this cooperative keeps rates fair and service genuinely friendly. Then supercharge the everyday side of your budget with Fluz, the cashback app that pays you back on gift cards for groceries, streaming, dining, and travel. Northern Valley handles the saving, Fluz handles the rewarding, and you pocket the difference all year long, even through a North Dakota winter.
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.