U S Employees Credit Union
Earn up to 1.5% cashback at U S Employees Credit Union.
Pay with a virtual card and earn cashback.
Offer terms
Get 1.5% cashback at U S 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.
US Employees Credit Union spent decades banking federal government workers in downtown Chicago, with offices on South Canal Street and in the Loop's federal buildings. Known as USECU, it delivered checking, savings, loans, and mobile banking before merging into Credit Union 1 in May 2026, which now serves its membership.
From the heart of Chicago's Loop, US Employees Credit Union built a proud legacy serving federal workers with checking, savings, competitive loans, and a handy mobile app. That legacy now continues under Credit Union 1, which welcomed USECU members in May 2026 with expanded branches and digital tools. Whichever chapter of that story you joined in, here's a bonus move: shop through Fluz. The cashback app rewards you on gift cards for commuting, coffee, groceries, and travel � perfect for busy government professionals. Stack Fluz cashback with credit union value and your downtown dollars deliver maximum returns.
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.