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.

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

Simplify your finances
Consolidate and transfer your high-interest balances with this special balance transfer offer.
Apply Now

At Kirtland CU, your finances are in the best hands

However you live, our focus is on you. Take advantage of our special balance
transfer offer today! Transfer your balances before April 30, 2023 with:

Rates as low as 1.99% APR on the transferred balance

Rate valid through January 2024

NO balance transfer or annual fees

Fantastic low rates on new purchases

Visa Platinum Credit Card

Low Rate Program

Cash Back Rewards

CU Rewards Program

Go there, eat that, experience this, live your best life. With a great rate, three valuable benefit programs to choose from, and Kirtland CU’s unbeatable member service, get ready to make good for the credit card that does it all.

Visa Platinum Rates as low as 10.25% APR.*

Learn more about our credit cards.

Calculate Your Savings

See how much a balance transfer with a new rate as low as 1.99% APR* can save you each month.

Once you’ve generated the estimate, click Save or Apply Now to send us your information. A member representative with Kirtland CU will follow up to answer any questions or get your application started.

A Little Balance

A credit card balance transfer can be a great one-time option for consolidating debt and saving money, before your balances grow out of control. A balance transfer to Kirtland CU Credit Card could help you:


A lower rate means a lower monthly payment to pay off your debt in the same amount of time. Save money every month!


Maintain your current monthly payments with a lower interest rate, and you’ll pay off your debt faster. You could save significantly over time.


These savings compound when you combine multiple high-interest rate cards into one low-rate credit card with Kirtland CU.

Simplify, Live Confident!

Ready to transfer your balances to a new Kirtland CU Credit Card? Get started today!


Apply instantly now...or later! Whenever it works for you.


Give us a call, and a member service representative will help you get started.

CALL 1-800-880-5328


Make an appointment at any of our convenient Branches to start your application.

*APR = Annual Percentage Rate. Annual percentage rate and balance transfer rate is based on credit history and other factors. The Kirtland CU Visa® Platinum Credit Card has a variable interest rate which is indexed to the Prime Rate and tiered based on credit-worthiness criteria. If you do not qualify for the type of card for which you have applied, you may be offered credit under different terms and conditions. The special balance transfer promotion is valid on transferred balances conducted between January 15, 2023, and April 30, 2023. Balances transferred to your credit card by April 30, 2023, will remain at the promotional rate until your January 2024 statement cycle. On your February 2024 statement, all remaining balances will convert to your current Annual Percentage Rate. APRs for purchases and cash advances may vary. Balance transfers cannot be used to pay off existing Kirtland CU loans or credit cards. For more information on balance transfer, please call 1.800.880.5328. Information accurate as January 15, 2023, and is subject to change. Membership eligibility required.

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.