or Call (505) 254-4369 or (800) 880-5328
With just a phone call, you can switch between three benefit programs on the same card:
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!
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.
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:
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.
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.
Free account access through KFCU Online Banking:
For 24/7 toll-free assistance with your account management, call (800) 790-7728.
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.