Kirtland FCU branches will be closed Monday, May 28 in observance of Memorial Day.

Routing Number: 307070050
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Financial Independence is

borrowing for less

Transfer your balance with a new rate as low as 1.99% APR*.
Get Started

The credit card bills are coming

The holidays are over. If you’re dreading the bills from your high–interest rate credit cards, transfer your balance to the Independence Credit Card, and save money every month through December 2018.

New rate as low as 1.99% APR*

Valid through December 2018

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 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 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.


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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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 1, 2018 – March 31, 2018. Balances transferred to your credit card by March 31, 2018 will remain at the introductory promotional rate until your December statement cycle. On your January statement, all remaining transferred balances will convert to your current Annual Percentage Rate. To find your current Annual Percentage, refer to your monthly statement or call the number on the back of your card. APRs for purchases and cash advances may vary. Cash advance, ATM withdrawals, and balance transfer transactions are excluded from earning cash rebates or reward points. Balance transfers cannot be used to pay off existing KFCU loans or credit cards. For more information on balance transfer, please call 1.800.880.5328. Information accurate as of January 1, 2018 and is subject to change. Membership eligibility required. Kirtland FCU 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.