Rest Confident, Your Money is Safe and Secure at Kirtland Credit Union, a message from our President & CEO. Learn More

All Kirtland CU branches and locations will be closed on Monday, January 20th in observance of Martin Luther King Jr. Day.
FRAUD ALERT: Have you received a text message asking to verify a fraudulent transaction? Do not click on that link or call the phone number on your text message. Scammers are using a variety of messages and techniques to gain access to your account. Learn how to protect yourself on our Fraud Awareness and Prevention Center.

If you may experience financial hardship related to the government shutdown, we’re here to help. Call 1.800.880.5328 or visit one of our branch locations for more information.

ROUTING NUMBER: 307070050

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Calculate your balance transfer savings

With rates as low as 12.75% APR*, the Independence Credit Card can save you money every month with a balance transfer.

Calculate Your Savings

See how much a balance transfer with the Independence Credit Card could save you.

Once you’ve generated the estimate, click Save or Apply Now to send us your information. A member representative with Kirtland CU will follow up to answer any questions or get your application started.

Pay Your Debt Faster

Are you carrying a balance on a high-interest rate credit card? The Independence Credit Card could save you money every month with a lower interest rate.

Lower Your Payments

A lower interest rate means a lower total balance that you’ll need to pay back. If your goal is to pay off your balance in a certain time frame, you can lower your monthly payment and still achieve that goal with a lower interest rate.

Eliminate Debt Faster

If your goal is to pay off your balance as quickly as possible, or you have a fixed monthly payment you can afford, a lower rate can help. A lower total payback amount means you’ll reach payoff faster compared to the same balance with a higher rate.

Consolidate Debts

These savings compound when you combine multiple high-interest rate cards into one low-rate Independence Credit Card with Kirtland CU.

The Independence Card is the last card you'll ever need.

see why

Get Started

Three easy ways to apply.

Click

Apply online when it works for you—24 hours a day, 7 days a week.

Let's Go

Call

Give us a call, and a member service representative will help you get started.

CALL 1-800-880-5328

Visit

Stop by any of our five convenient branches to start your application.

Find A Branch

Membership eligibility required. *APR=annual percentage rate. Rates effective the first of each month and are subject to change at any time without notice. Actual rate and credit card approval are dependent on credit worthiness, and other factors. Any generated estimate using this calculator does not constitute an agreement or guarantee of any rate.

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Routing Number: 307070050

6440 Gibson Blvd. SE, Albuquerque, NM 87108

Copyright. Kirtland Federal Credit Union 2025. All rights reserved.

Federally insured by NCUA Equal Opportunity Lender

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