O And R Utilities Employees Credit Union
Earn up to 1.5% cashback at O And R Utilities Employees Credit Union.
Pay with a virtual card and earn cashback.
Offer terms
Get 1.5% cashback at O And R Utilities 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.
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.
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.