The Kirtland Credit Union is a personal credit card from Kirtland Credit Union. The annual fee is $0. The ongoing APR is 10.00% to 16.75% variable, based on creditworthiness, varies with the Prime Rate (disclosure accurate as of September 18, 2026). Signup bonus: 3 reward points per $1 on net purchases made within the first 90 days of account opening, up to $5,000.00 in net purchases. Rewards: 3.0 reward points per $1 of net purchases in the first 90 days (up to $5,000.00), then 1.0 point per $1 of net purchases.