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

Friday, March 15: the Kirtland CU branch on KAFB is CLOSED. We apologize for any inconvenience. Please visit our nearest Gibson branch for assistance.

Online and Mobile Banking are intermittently unavailable. We are working to resolve the issue and apologize for any inconvenience.

Kirtland Credit Union will never ask you to provide, update, or verify personal or account information through an unsolicited email, phone call, or text message. If you receive an unsolicited email, phone call, or text message, DO NOT RESPOND. Notify us at (505) 254-4369 or 1-800-880-5328.

Concerned about how a government shutdown may impact you? Call us at 1.800.880.5328 to discuss your needs.

VISA® Platinum Credit Card
Go there, eat that, experience this, live your best life. With a great rate, three valuable card options to choose from, and Kirtland CU’s unbeatable member service, get ready to experience freedom with the credit card that does it all.
Apply Now

LIVE CONFIDENT with the Kirtland CU VISA® Platinum Card!

Choose the Low Rate, Cash Rebate, or Rewards VISA® Platinum Card and make it yours.

Low Rate Card

With the VISA® Platinum Low Rate card, you get our lowest available rate and one of the lowest non-teaser rates on the market.

Cash Rebate Card

With our Cash Rebate card, you get cash back on every purchase you make – no catches, no categories, no limits.

Rewards Card

Turn your purchases into your next adventure with travel rewards, or claim merchandise and other rewards with CU Rewards points.

Ready to get your VISA® Platinum Credit Card?

The Perks

More than buying power—your VISA® Platinum Credit Card comes loaded with perks.

Real-time Alerts

Stay on top of your spending and spot potentially fraudulent transactions with FREE alerts! Fraud Alerts and VISA® Purchase Alerts have you covered. Learn how to enroll now!

Anywhere Access

Manage your VISA® Platinum Credit Card from home or on the go with Online Banking—pay your bill, check your available balance, and more. You can also set your own spending alerts in Online Banking to help you better manage your account.

Perk Programs

Your VISA® Platinum Credit Card comes loaded with extras. Travel and Emergency Assistance along with the security you expect from Visa®.

Tap to Pay

Your VISA® Platinum Credit Card is "Contactless." The EMVCo Contactless Indicator indicates acceptance. A merchant accepts tap-to-pay when this symbol is featured on a checkout terminal or store signage.

Financial Workshops & Educational Resources

Financial Wellness Center

We have developed a Financial Wellness Center, in partnership with MoneyEdu, to offer online courses, a full article library, and personal credit counseling agents that can meet with you on your time.

Risks and Benefits of Credit Cards

Credit cards offer benefits for many consumers, but it’s important to understand the risks of unsecured credit.

Protect your credit! Learn how to reduce fraud and avoid these popular scams at the Kirtland CU Insighter Blog.

Get Started

Three easy ways to apply.


Apply instantly now...or later! Whenever it works for you.


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

CALL 1-800-880-5328


Stop by your nearest branch to apply with one of our friendly representatives.

* Membership required. Terms and conditions apply. Other special discounts may not be combined. Equal Opportunity Lender.

1. APR = Annual Percentage Rate and can change at any time without notice. All loans are subject to additional underwriting requirements. Your interest rate will be determined based on credit and other factors.

2. The Kirtland CU VISA® Platinum Card has a variable interest rate, indexed to the Prime Rate, and tiered based on credit-worthiness criteria. A margin (also based on creditworthiness criteria) is added to the index value to determine the interest rate. The APR can change quarterly, based on changes to the index, and annually, based on changes to the credit-worthiness criteria. Index Value: July 28, 2023 through March 31, 2024 (Wall Street Journal Prime Rate as of July 26, 2023) = 8.50%. VISA® Platinum Card

Promotional Information: Low Rate Card – Balance transfers and purchases are 0% interest rate for 12 months with a 3% balance transfer fee for each transfer. Offer available for the first 90 days after account opening; Cash Rebate Card – 5% cash back on all purchases for 90 days, up to $5000 spend; Rewards Card – 3x points on all purchases for 90 days, up to $5000 spend.

See the Kirtland CU Guide To Card Benefits, Credit Card Agreement, Credit Card Application and Solicitation Disclosure for more information. A main Share (savings account) is required for membership at Kirtland CU with a $5 per signer minimum balance and must be established before any other account may be opened. Account triggered fees and charges that may be assessed against your account are disclosed in the Fee Schedule. For complete details, refer to the Truth-In-Savings Disclosure.  Kirtland CU welcomes veteran, active-duty, and retired members of all branches of the U.S. military, including NM National Guard and Reserve, who have ever been served by KAFB; contractors, employees, and retirees of businesses who work on or with KAFB under contract with the U.S. Government; members and employees of partner organizations throughout Albuquerque; and family members of eligible or existing members.

Speak with a representative for complete details.


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, Mobile, and Telephone Banking will be unavailable on Sunday, December 17 from 12:00-5:00 a.m. MST.