Open since 1980 and based in Monroe, New York, O&R Utilities Employees Federal Credit Union is a small not-for-profit cooperative created for employees of Orange and Rockland Utilities and other communications and utility workers. With roughly $16 million in assets and over 1,000 members, it offers share savings, everyday banking, and consumer loans to eligible workers and their families.

For more than 40 years, O&R Utilities Employees Federal Credit Union has kept things simple for the utility and communications workers of the Hudson Valley, offering a member-owned alternative to big banks with just a $5 share account to start. It's local, low-fee, and built around the people who keep the lights on. Whether you're loading funds into your account or swiping your O&R Utilities FCU debit card around town, connecting to Fluz lets you turn those everyday banking moments into genuine cashback rewards, adding a little extra value to a credit union already built on member benefit.