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ROUTING NUMBER: 307070050
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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.
Friday, March 15: the Kirtland CU branch on KAFB is CLOSED. We apologize for any inconvenience. Please visit our nearest Gibson branch for assistance.
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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.
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Routing Number: 307070050
6440 Gibson Blvd. SE, Albuquerque, NM 87108
Federally insured by NCUA Equal Opportunity Lender