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

Kirtland CU branches and the Member Contact Center will be closed Monday, September 4 in observance of Labor Day.

Stay safe – don’t respond to text messages or mobile alerts from someone you don’t know. >> Learn more

Due to a power outage, our Montgomery Crossings branch is currently closed.

Our other branches remain open to serve your needs, as well as Kirtland CU Online & Mobile Banking.

VISA® Credit Card
Go there, eat that, experience this, live your best life. With a great rate, three valuable benefit programs 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

Build Your Best Credit Card

Flex your financial independence by customizing your VISA® Credit Card to your life—choose the benefits and features that matter to you. Pick from three great programs.

Low Rate Program

Lower rate, lower payments! Enjoy rates as low as 10.75% APR*, and lower your payments with one of the lowest non-teaser rates in the nation.

Cash Back Rewards program

Get paid to shop with the Unlimited Cash Back Rewards program. Earn 1.5% cash back on every purchase with no limits.

CU Rewards Points Program

Earn valuable points you can redeem for merchandise, travel rewards, and more. Receive 5,000 bonus points when you make your first purchase with your VISA® Credit Card, and then earn one point for every dollar you spend.

Ready to activate your VISA® Credit Card?

The Perks

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

Balance Transfer

Consolidate higher-rate credit card balances into the lower-rate VISA® Credit Card for NO FEE. Start saving money every month. See how much you could save with the simple Balance Transfer Calculator.

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

Tap to Pay

Your VISA® 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 eligibility required. 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. A member must open and maintain at least one share (savings) account with a minimum balance before any other account may be opened. See a representative for complete details. *APR = Annual Percentage Rate. Rates effective the first of each month and are subject to change at any time without notice. Annual percentage rate is based on credit history and other factors. The Kirtland CU Visa Platinum Credit Card has a variable interest rate which is indexed to the Prime Rate and tiered based on credit-worthiness criteria. A margin (based on credit-worthiness criteria) is added to the index to determine the interest rate. The annual percentage rate can change quarterly, based on changes to the index, and annually, based on changes to the credit-worthiness criteria. Cash-back rewards will post to your account at the end of each billing cycle. Cash advance, ATM withdrawals, and balance transfer transactions are excluded from earning cash rebates or reward points. If you do not specify a benefit program, you will be automatically enrolled in the Cash Back Rebate. Standard text messaging rates may apply to receive real-time fraud text alerts. See the Kirtland CU Guide To Card Benefits for more information. Credit Card Agreement | Disclosure

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.

Money Movement (P2P & A2A) Services are Temporarily Unavailable.