Menu
ROUTING NUMBER: 307070050
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 Monday, September 2 in observance of Labor Day.
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.
ROUTING NUMBER: 307070050
By Ashleigh, K-Staff
A $2,000 balance on your credit card—how did that happen? (Oh yes, dinner at Chez Fifi, new tires, school clothes for the kids…) Thankfully the minimum payment is only $35. You can afford that!
Stop! Before you write that check or make the payment online, consider this: if you make only the requested payments on that debt, your toddler will be entering high school before the balance is zero. At an annual percentage rate of 17.00% APR (the current average according to Creditcards.com), it would take almost 10 years to pay off, with an ultimate payout of a whopping $4,125.
Instead, disregard the requested payment on your statement and use the “consistent payment method” steps.
If you can manage $80 every month, you will repay the debt in less than 3 years with a final payout of $2,486. Increase the payment to $100 and the payoff time drops to 2 years with a final payout of $2,368.
Also, consider a balance transfer to a lower interest rate credit card like the Independence Credit Card from Kirtland FCU. The Independence Credit Card offers low rates and no balance transfer or annual fees.
Connect With Us
Routing Number: 307070050
6440 Gibson Blvd. SE, Albuquerque, NM 87108
Federally insured by NCUA Equal Opportunity Lender