Kirtland CU’s 2023 Annual Membership Meeting will be held Tuesday, March 21 at our Gibson branch at 4:30 p.m. Click here for complete details.

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 credit union is experiencing technical difficulties. We greatly appreciate your patience.

Welcome To The Insighter!

Explore the latest happenings at Kirtland CU and learn about important topics from around the financial world. Here’s your insight! To learn about retirements, investments and financial planning, check out Invested now.

Living Debt Free

By Ashleigh, K-Staff

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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.

  1. Determine a realistic and fixed amount you can pay each month.
  2. Declare a moratorium on using the card until the balance is repaid.
  3. Pay more when you can—but never pay less than your preset amount.


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.

*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 FCU Visa Platinum Credit Card has a variable interest rate which is indexed to the Prime Rate and tiered based on credit-worthiness criteria.

2023 Annual Meeting

Join us at our 2023 Annual Membership Meeting on Tuesday, March 21 at our Gibson Branch at 4:30 p.m.

Can't be there in person? Register to view online! Click Learn More for more details.

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.