Southern Coastal Credit Union
Earn up to 1.5% cashback at Southern Coastal Credit Union.
Pay with a virtual card and earn cashback.
Offer terms
Get 1.5% cashback at Southern Coastal 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.
Founded in 1973 as Biloxi Municipal Credit Union, Southern Coastal Federal Credit Union serves employees and families of the City of Biloxi, D'Iberville, Harrison County, and affiliated Mississippi Gulf Coast organizations. Offerings include share savings, checking, auto and personal loans, and mobile banking with once-a-member, always-a-member access.
Life on the Mississippi Gulf Coast moves to its own rhythm, and Southern Coastal Federal Credit Union has kept the beat since 1973, growing from Biloxi's municipal employees to serve Harrison County workers and their families. Members enjoy loans priced fairly, savings that earn, and the lifetime membership promise. Make your rewards flow like the tide by adding Fluz: instant cashback on gift cards for gas, groceries, dining, and more, every single time you pay. With SoCo FCU anchoring your finances and Fluz sweetening each purchase, coastal living gets a little richer with every transaction.
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.