LIVE CONFIDENT with the Kirtland CU VISA® Platinum Card!

IMPORTANT NOTICES AND DISCLAIMERS
Membership required. Terms and conditions apply. Other special discounts may not be combined. Equal Opportunity Lender.

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.

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: September 18, 2025 through December 31, 2026 (Wall Street Journal Prime Rate as of September 16, 2026) = 7.00%.

*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 $5,000 spend; Rewards Card – 3x points on all purchases for 90 days, up to $5,000 spend.

**Quarterly Rewards Benefits – Cash Rebate Card:

• Cash Rebate VISA® Platinum Card: Earn a 5% cash back rebate, maximum of $75, on all qualified purchases for each promotional period. Standard earning is 1.5% cash back, promotional offer is 3.5% cash back for maximum of 5% cash back ($22.50 cash back base and $52.50 cash back promotional earned for maximum of $75 cash back). Your cash rebate will automatically be posted to your account at the close of each billing cycle. Cash advances, balance transfer fees, and finance charges do not apply.
• Not all credit cardholders will qualify for Quarterly Rewards Benefits; exclusions apply.

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.