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 Thursday, July 4 in observance of Independence Day.

Due to a global tech outage, the processing of some services may be impacted today, Friday, July 19.

We are working quickly to restore service, and we appreciate your patience.

Our TellerPhone service is experiencing intermittent issues.  We are working diligently to resolve. Please use our Online and Mobile banking services. We apologize for any inconvenience.

Phishing scams are on the rise – don’t get caught! Learn how to spot scams and more at our Fraud Awareness and Prevention Center.

If you have been financially impacted by the wildfires and floods in the Ruidoso area, we have options available to help. Call us at 1-800-880-5328 to learn more.

Calculate your balance transfer savings

With rates as low as 13.50% 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.

Get Started

Three easy ways to apply.

Click

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

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.

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.

Don't Be a Victim!

You need to know about credit union impersonation scams so you can avoid becoming a victim of these nefarious tactics.

Online and Mobile Banking will be unavailable on Thursday, May 9 from 10:00 p.m. to 6:00 a.m. Friday, May 10.