Credit union · NCUA insured
Kirtland Credit Union Credit Card Rates
Top CarrotKirtland Credit Union credit cards start at 9.50% APR on purchases, after any introductory rate. Rates checked October 22, 2026.
How Kirtland Credit Union’s credit card rates compare
Compared with banks and credit unions near Albuquerque, NM, where Kirtland Credit Union has the most branches. Ongoing purchase APR, lowest first.
This credit union’s lowest
Kirtland Credit Union
9.50%APR
- Up to
- 16.25% APR
VISA® Platinum Low Rate Card
Lowest rate
State Employees Credit Union
7.50%APR
- Up to
- —
2nd-lowest rate
Sandia Area Federal Credit Union
8.74%APR
- Up to
- 17.99% APR
Kirtland Credit Union credit card score
87
Credit card score
Higher than 78% of U.S. banks and credit unions
- Purchase APRPurchase APR9.50%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Kirtland Credit Union ranks
By credit card score, in each area where it has branches
Every rate
Current credit card rates
Rates from the credit union’s website. Most are “as low as” rates for the best credit; yours depends on your credit.
VISA® Platinum Cash Rebate Card
Membership required; requires opening and maintaining a Main Share savings account with $25 minimum balance ($5 per signer noted on credit card page). Variable APR is indexed to Prime Rate plus a margin based on creditworthiness.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 12.00%–18.00% | None | Variable APR based on credit tier. Variable rate indexed to Prime Rate (Wall Street Journal Prime Rate as of September 16, 2026 = 7.00%). A margin based on creditworthiness is added. |
VISA® Platinum Low Rate Card
Membership required; requires opening and maintaining a Main Share savings account with $25 minimum balance ($5 per signer noted on credit card page). Variable APR is indexed to Prime Rate plus a margin based on creditworthiness.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Intro, 12 months | 0.00% | None | 0% interest for 12 months on purchases made within the first 90 days from account opening. |
| Ongoing | 9.50%–16.25% | None | Variable purchase APR after the introductory period based on creditworthiness. Indexed to Prime Rate (Wall Street Journal Prime Rate as of September 16, 2026 = 7.00%). |
VISA® Platinum Rewards Card
Membership required; requires opening and maintaining a Main Share savings account with $25 minimum balance ($5 per signer noted on credit card page). Variable APR is indexed to Prime Rate plus a margin based on creditworthiness.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 10.00%–16.75% | None | Variable APR based on credit tier. Variable rate indexed to Prime Rate (Wall Street Journal Prime Rate as of September 16, 2026 = 7.00%). A margin based on creditworthiness is added. |
Who can join Kirtland Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Employers and groups
- Members and employees of partner organizations throughout Albuquerque are eligible for membership.
Military, government and schools
- Contractors, employees, and retirees of businesses who work on or with KAFB under contract with the U.S. Government are eligible for membership.
- 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 are eligible for membership.
Family and household
- Family members of eligible or existing members are eligible for membership.
Cost to join
- Members must open and maintain at least one share (savings) account with a minimum balance.
Membership information collected October 4, 2026.