Onomea Credit Union
Earn up to 1.5% cashback at Onomea Credit Union.
Pay with a virtual card and earn cashback.
Offer terms
Get 1.5% cashback at Onomea 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.
Serving Hawaii's Big Island since 1939, Onomea Federal Credit Union is a small cooperative based in Papaikou, near Hilo. It grew out of the plantation-era community around Onomea Bay and continues to serve residents of the Hilo and Hamakua Coast region with savings, loans, and deposit accounts rooted in longstanding local relationships.
Onomea Federal Credit Union carries nearly a century of Big Island history, having grown from its plantation-town roots near Hilo into a trusted financial home for Hawaii Island families. Members enjoy the warmth of true local banking, friendly tellers, community-minded lending, and savings products designed for island life rather than mainland formulas. Whether you're opening a passbook savings account, taking out an auto loan, or using your Onomea FCU debit card around Papaikou and Hilo, you're supporting a credit union deeply woven into the community. Add Fluz to the mix and you can start earning cashback rewards on everyday spending while banking with this Big Island institution.
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.