Experiencing a financial hardship because of the Three Rivers Fire? We can help! Call us at 1-800-880-5328 to learn more.

Kirtland FCU will be performing system maintenance on Sunday, May 16 between 10:00 a.m. and 3:00 p.m. Online, Mobile, and Telephone Banking will be intermittently unavailable.

Routing Number: 307070050
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Kirtland Federal Credit Union logo
January 15—March 31, 2021

move it!

High-rate balance holding you down? Move it with rates as low as 2.99% APR*!

Why Move It?

The right balance transfer can turn several high-rate balances into one manageable monthly payment—saving you a lot of money and stress. Transfer your balances before March 31 with:

Rates as low as 2.99% APR on the transferred balance

Rate valid through December 2021

NO balance transfer or annual fees

Fantastic low rates on new purchases


Calculate Your Savings

See how much a balance transfer with a new rate as low as 2.99% 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 FCU 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 the Independence 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 Independence Credit Card with Kirtland FCU.


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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Make an appointment at any of our five 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 FCU 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, 2021, and March 31, 2021. Balances transferred to your credit card by March 31, 2021, will remain at the introductory promotional rate until your December 2021 statement cycle. On your January 2022 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 FCU loans or credit cards. For more information on balance transfer, please call 1.800.880.5328. Information accurate as January 15, 2021 and is subject to change. Membership eligibility required.