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.
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.
Get paid to shop with the Unlimited Cash Back Rewards program. Earn 1.5% cash back on every purchase with no limits.
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.
More than buying power—your Independence Credit Card comes loaded with perks.
Three easy ways to apply.
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