The Kirtland Credit Union is a personal credit card from Kirtland Credit Union. The annual fee is $0. The ongoing APR is 9.50% to 16.25% variable, based on creditworthiness, varies with the Prime Rate (disclosure accurate as of September 18, 2026) after a 0% introductory APR on purchases and balance transfers made within the first 90 days from account opening introductory rate for 12 months.