Southernmost Credit Union
Earn up to 1.5% cashback at Southernmost Credit Union.
Pay with a virtual card and earn cashback.
Offer terms
Get 1.5% cashback at Southernmost 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.
At the tip of the Florida Keys, Southernmost Federal Credit Union has served Key West and Monroe County since the mid-twentieth century. Island residents rely on it for checking, savings, auto and boat loans, mortgages, and mobile banking backed by federally insured, not-for-profit ownership.
Ninety miles from Cuba and worlds away from impersonal banking, Southernmost Federal Credit Union gives Key West locals a true island financial home. Conchs and Keys newcomers alike tap into checking, savings, boat and auto loans, and mortgages priced for members rather than shareholders. Make paradise even sweeter with Fluz: earn cashback on gift cards for sunset dinners, dive shops, groceries, and getaways, then let those rewards drift into your savings. Laid-back living deserves hardworking money � and with Southernmost FCU plus Fluz cashback in your corner, every day feels a little more like Margaritaville.
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.