The Kirtland FCU Independence Card

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or Call (505) 254-4369 or (800) 880-5328

Benefit Programs

With just a phone call, you can switch between three benefit programs on the same card:

  • Low Rates: Enjoy one of the lowest interest rates nationwide - as low as 6.50% APR1
  • Cash Back Rebate: Earn up to 1.5% cash back on all purchases2
  • CU Rewards Points: Earn points towards merchandise, travel, and more for every dollar you spend. And, with this program, you'll receive a bonus of 5,000 points upon your first purchase using your new card!

Low Rates

If you typically carry a monthly balance, choose the Low Rates option to pay down your debt faster, often with lower payments as well. Offered as low as 6.50% APR, the Kirtland FCU Independence Card has one of the lowest "non-teaser" interest rates in the nation!

Cash Back Rebate

If you typically pay off your entire balance each month, consider our Cash Back Rebate or CU Rewards options! Earn cash back rebates up to 1.5% on all purchases, with no limit, and get paid monthly. The monthly rebate is automatically applied to your card balance. If you do not specify a benefit program, your card will be automatically enrolled in this program.

CU Rewards

With this program, you earn one point for every dollar spent2. You can monitor your CU Rewards Points through KFCU Online Banking or the CU Rewards website, and view or redeem points for merchandise and travel opportunities. New card accounts receive a bonus 5,000 points the first time they make a purchase using the new card. Points will not expire for five (5) years from date of purchase.

Your points can be redeemed for:

  • Merchandise (prizes) starting at 2,500 points
  • "Experiences" starting at 5,300 points
  • Car rentals starting at 6,250 points
  • Hotels starting at 10,000 points
  • Airline tickets starting at 30,000 points

Secured Card Option

Whether you're starting out to build your credit score or starting over to repair your credit history, Kirtland FCU's Independence secured card is a great way to meet your goal. This card is secured by placing a hold on funds in your Main Share savings account in the amount of your credit card's limit. For example, a $500 limit on your secured card requires a $500 hold be placed on your existing funds within your Main Share account. The "secured" option enables you to get a lower APR. After a year of making purchases and monthly payments, you can request an upgrade to a non-secured Kirtland FCU's Independence Card and enjoy one of the benefit options above.

Additional Information

Debt Protection - Protect your loans, help preserve your standard of living.

Minimum Limit: $500
Minimum Payment: 2% of balance or $50, whichever is greater.
Annual Fee and Over Limit Fee: None
Late Fee (after due date): $25
Foreign Transaction Fees: None
Cash Withdrawal / Advance: Up to credit limit ($25 minimum). Rate remains the same as purchases.
Cash Advance Fee: 1% of the cash advance amount or $3, whichever is greater.

Easy Access

Free account access through KFCU Online Banking:

  • Activate your new or renewed card
  • Transfer funds, transfer balance(s) from your higher interest credit card(s)
  • View current account activity and, after you enroll in Paperless Statements, your past statements
  • Set up alerts via email or text messaging triggered by payment amounts you pre-designate, purchases made outside the country, online, and over the phone to alert you to unauthorized charges
  • Make one-time direct payments or set up automatic payments, to include paying off your statement balance each month on your scheduled payment due date
  • Dispute unauthorized charges

For 24/7 toll-free assistance with your account management, call (800) 790-7728.

Additional Benefits

  • Warranty Manager Service
  • Travel & Emergency Assistance
  • Auto Rental Collision Damage Waiver Program
  • Additional Online Security: Verified by Visa is a free and easy way to enjoy added security for all your online Visa card purchases. For more information, visit Visa Security.

For more detailed information, refer to Visa Card Benefits.

1 APR = Annual Percentage Rate based on approved credit. Our APRs are based on Prime Rate and may change.

2 Cash advance, ATM withdrawal and balance transfer transactions are excluded from earning cash rebate or rewards points.

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