Branch lobbies are closed effective Friday, March 20. See the latest information about the COVID-19 outbreak. READ NOW.

Routing Number: 307070050
Search Our Site
Type a word or phrase in the search field below. If you are unable to find the information you are looking for, please contact us.
Kirtland Federal Credit Union logo
January 15—March 31, 2020

Unstuff your wallet

Transfer your high-rate credit card balances by March 31, 2020, with an interest rate as low as 2.99% APR*!
Get Started

All About The Balance

If you’re carrying balances on one or more high–interest rate credit cards, a balance transfer to the Independence Credit Card could save you a lot of money in 2020!

Rates as low as 2.99% APR on the transferred balance

Rate valid through December 2020

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.

Save Money Every Month

If you have balances on high-interest rate credit cards, you’re paying more than you need to. Did you know the average interest rate on a store-only credit card is over 25% APR?! Moving those balances to a lower-rate card like the Independence Credit Card can 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
Phone not Being Used Icon


Stop by any of our four 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.  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, 2020, and March 31, 2020. Balances transferred to your credit card by March 31, 2020, will remain at the introductory promotional rate until your December 2020 statement cycle. On your January 2021 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, 2019 and is subject to change. Membership eligibility required.