Purchase APR
—
Annual fee
None
Foreign fee
None
No score≤619Other
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Kirtland Federal Credit Union
13 cardholder agreements · 1.0 MB · 3 surveyed cards
A
Fair Terms · grade A (100/100)
0 contract red flags across 13 filed docs · see how every issuer ranks →
No red-flag clauses detected in this issuer's filed agreements — a clean 100.
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Priced card products
Purchase APR
—
Annual fee
None
Foreign fee
None
No score≤619Cashback
Purchase APR
9.75–16.50%
Annual fee
None
Foreign fee
None
0% purchases · 12 mo0% transfers · 12 mo
No score≤619
Carrying $3k for a year ≈ $367.50
Cardholder agreements
Filed with the CFPB in the 2026 Q1 bulk submission. Opens the original PDF.
Application and Solicitation Disclosure (1-30-2025)91 KBApplication and Solicitation Disclosure (8-2-2024)96 KBApplication and Solicitation Disclosure 5-8-202496 KBapplication_solicitation_disclosure (1-31-2023)96 KBapplication_solicitation_disclosure (10-28-2022)100 KBapplication_solicitation_disclosure (5-2-2022)69 KBapplication_solicitation_disclosure (7-27-2022)72 KBapplication_solicitation_disclosure (9-20-2024)91 KBapplication_solicitation_disclosure (fr website 2-9-26)51 KBapplication_solicitation_disclosure (uploaded 1-30-24)96 KBApplication-Solicitation Disclosure 12-23-24 (Uploaded 7-30-25)91 KBApplication-Solicitation Disclosure 3-27-23 (uploaded 4-27-23)38 KBVisa Credit Card Application and Solicitation Disclosure75 KB