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Routing Number: 307070050
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Go there, eat that, experience this, live your best life. With a great rate, three valuable benefit programs to choose from, and Kirtland FCU’s unbeatable member service, get ready to experience freedom with the credit card that does it all.

Build Your Best Credit Card

Flex your financial independence by customizing your Independence Credit Card to your life—choose the benefits and features that matter to you. Pick from three great programs.

Low Rate Program

Lower rate, lower payments! Enjoy rates as low as 5.75% APR*, and lower your payments with one of the lowest non-teaser rates in the nation.
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Cash Back Rewards Program

Get paid to shop with the Unlimited Cash Back Rewards program. Earn 1.5% cash back on every purchase with no limits.
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CU Rewards Points Program

Earn valuable points you can redeem for merchandise, travel rewards, and more. Receive 5,000 bonus points when you make your first purchase with your Independence Credit Card, and then earn one point for every dollar you spend.
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Shop smarter with the best rates. SEE CURRENT RATES

The Perks Of Independence

More than buying power—your Independence Credit Card comes loaded with perks.

Balance Transfer

Consolidate higher-rate credit card balances into the lower-rate Independence Credit Card for NO FEE. Start saving money every month. See how much you could save with the simple Balance Transfer Calculator.
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Real-Time Alerts

Stay on top of your spending and spot potentially fraudulent transactions with FREE alerts! Fraud Alerts and VISA Purchase Alerts have you covered. Learn how to enroll now!
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Anywhere Access

Manage your Independence Credit Card from home or on the go with Online Banking—pay your bill, check your available balance, and more. You can also set your own spending alerts in Online Banking to help you better manage your account.
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Perk Programs

Your Independence Credit Card comes loaded with extras like Warranty Manager Service, Travel and Emergency Assistance, and Auto Rental Collision Damage Waiver. And, of course, the security you expect from Visa®.

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Protect your credit! Learn how to reduce fraud and avoid these popular scams at the Kirtland FCU Insighter Blog. EXPLORE NOW

Get Started

Three easy ways to apply.


Start your application online when it works for you—24 hours a day, 7 days a week.
Let's Go


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

CALL 1-800-880-5328
Give us a call


Stop by any of our four convenient branches to start your application.
Find a Branch
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. A member must open and maintain at least one share (savings) account with a minimum balance before any other account may be opened. See a representative for complete details. *APR = Annual Percentage Rate. Rates effective the first of each month and are subject to change at any time without notice. Annual percentage 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. A margin (based on credit-worthiness criteria) is added to the index to determine the interest rate. The annual percentage rate can change quarterly, based on changes to the index, and annually, based on changes to the credit-worthiness criteria. Cash-back rewards will post to your account at the end of each billing cycle. Cash advance, ATM withdrawals, and balance transfer transactions are excluded from earning cash rebates or reward points. If you do not specify a benefit program, you will be automatically enrolled in the Cash Back Rebate. Standard text messaging rates may apply to receive real-time fraud text alerts. See the Kirtland FCU Guide To Card Benefits for more information. Credit Card Agreement | Disclosure