Kirtland CU Online, Mobile, and Telephone Banking will be unavailable on Sunday, December 11 between 12:30 – 7:30 a.m. as we perform system maintenance.

Kirtland CU branches and the Member Contact Center will be closed on Monday, February 20 in observance of Presidents’ Day.

We have engaged FORVIS, LLP (Attn: Jeff Rosno, 1801 California Street , Ste. 2900, Denver, CO 80202) to perform member verifications. Kindly compare the balance of your accounts on your December 2022 statement WITH YOUR RECORDS. If balances do not agree, please address your discrepancies directly to FORVIS, LLP. Include your name, truncated account number, and an explanation of the difference noted.  A reply is not considered necessary unless a difference is noted.

The Independence 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.
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Build Your Best Credit Card

Flex your financial independence by customizing your Independence 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 10.00% 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 Independence Credit Card, and then earn one point for every dollar you spend.

Ready to activate your Independence Credit Card?

The Perks Of Independence

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

Balance Transfer

Consolidate higher-rate credit card balances into the lower-rate Independence 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 Independence 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 Independence Credit Card comes loaded with extras. Travel and Emergency Assistance along with the security you expect from Visa®.

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

1-day personal loan special

Up to $50K Signature Loan @7.49% APR* with terms up to 60 months

Kirtland CU Online, Mobile, and Telephone Banking will be unavailable on Sunday, December 11 between 12:30 – 7:30 a.m. as we perform system maintenance.