Current Rates

1. The Kirtland CU Visa Platinum 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. Index Value: December 12, 2025, through March 1, 2026 (Wall Street Journal Prime Rate as of December 10, 2025) = 6.75%. A margin is added to this index value to determine your interest rate.

2. APR = Annual Percentage Rate and can change at any time without notice. The “As Low as APR” is the interest rate that an “A+” credit-tier member would receive. A margin will be added to this rate for members whose credit score places them in a credit tier other than “A+.” Other special discounts may not be combined. Speak with a representative to determine the interest rate you will receive based on credit and other factors. All loans subject to additional underwriting requirements.

See the Kirtland CU Guide To Card Benefits, Credit Card Agreement, Disclosure for more information. A Main Share (savings account) is required for membership at Kirtland CU with a $25 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. 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. See a representative for complete details.