Routing Number: 307070050
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Calculate Your Balance Transfer Savings

With rates as low as 7.75% APR*, the Independence Credit Card can save you money every month with a balance transfer.
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Calculate Your Savings

See how much a balance transfer with the Independence Credit Card could save you.

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

Pay Your Debt Faster

Are you carrying a balance on a high-interest rate credit card? The Independence Credit Card could save you money every month with a lower interest rate.


Consider paying down a card with a $5,000 balance at a 12.00% APR* interest rate over 5 years. You would have to make monthly payments of $111 to pay your balance off in those 5 years. Secure an interest rate as low as 7.75% APR*, and you could pay off the same debt in the same amount of time paying just $100 a month.
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Considering paying down a card with a $5,000 balance at 12.00% APR* interest rate with monthly payments of $100. It will take almost 6 years to pay your debt. Lower your rate to 7.75% APR*, and that debt, with the same monthly payment, will be paid in less than 5 years, saving you about $909 in interest.
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These savings compound when you combine multiple high-interest rate cards into one low-rate Independence Credit Card with Kirtland FCU.
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The Independence Credit Card is the last card you’ll ever need SEE WHY


Three easy ways to apply.


Apply online when it works for you—24 hours a day, 7 days a week.


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

CALL 1-800-880-5328
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Stop by any of our four convenient branches to start your application.
Membership eligibility required. *APR=annual percentage rate. Rates effective the first of each month and are subject to change at any time without notice. Actual rate and credit card approval are dependent on credit worthiness, and other factors. Any generated estimate using this calculator does not constitute an agreement or guarantee of any rate.