Kirtland Credit UnionVISA PLATINUM LOW RATERegistry illustration · issuer artwork unavailable

VISA PLATINUM LOW RATEKirtland Credit Union · federal credit union, NM · NCUA 12199

CurrentLast observed Sep 6, 2026Source date Dec 31, 2025Government datasetCredit card · Consumer · unsecured

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Purchase APR

9.75%–16.50%

great to no score

Balance transfer

0% introductory · reported median duration 12 mo

no ongoing rate filed

Cash advance APR

9.75%–16.50%

variable

Annual fee

a year

Foreign fee

Grace period

Not offered

from cycle close

Product terms with exact source passages
Term	Value	As printed in the source	Source
APR for purchasesintroductory rate first
Introductory, reported median duration 12 months	0% variableConsumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Sep 6, 2026	—	Website
Great credit	median 10%Consumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Sep 6, 2026	—	Website
Good credit	median 16%Consumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Sep 6, 2026	—	Website
Poor credit	median 16.50%Consumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Sep 6, 2026	—	Website
No credit score	median 16.50%Consumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Sep 6, 2026	—	Website
All applicants	9.75%–16.50% variableConsumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Sep 6, 2026	—	Website
APR for balance transfersintroductory rate first	0% variableConsumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Sep 6, 2026	—	Website
APR for cash advances
Great credit	median 10%Consumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Sep 6, 2026	—	Website
Good credit	median 16%Consumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Sep 6, 2026	—	Website
Poor credit	median 16.50%Consumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Sep 6, 2026	—	Website
No credit score	median 16.50%Consumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Sep 6, 2026	—	Website
All applicants	9.75%–16.50% variableConsumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Sep 6, 2026	—	Website
Penalty APRafter a late or returned payment	—	no source read
Paying interestgrace period on new purchases	Not offered from the close of each billing cycle	—	—
Minimum interest charge	$0.50	—	—
How we calculate your balance	Average daily balance including new purchases	—	—
Annual fee	$0Consumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Sep 6, 2026	—	Website
Transaction fees
Cash advance	$3.00 OR 1.00% OF THE AMOUNT OF THE ADVANCE, WHICHEVER IS GREATERConsumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Sep 6, 2026	—	Website
Balance transfer	3.0% OF AMOUNT OF TRANSFERConsumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Sep 6, 2026	—	Website
Foreign transaction	$0Consumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Sep 6, 2026	—	Website
Penalty fees
First late fee	$25.00 or the amount of the required minimum payment, whichever is less, if one or more days late.Consumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Sep 6, 2026	—	Website
Returned payment	—	no source read
Other fees
Returned Payment Fee	$25, $25.00 or the amount of the required minimum payment, whichever is less; upon return of paymentConsumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Sep 6, 2026	—	Website
Card Replacement Fee	$10, Per card for card replacement, if other than CU required replacement or expiration; upon issuance of cardConsumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Sep 6, 2026	—	Website
Document Copy Fee	$2.50, Per document for copies of card related documents otherwise provided previously; upon issuance of copies requestedConsumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Sep 6, 2026	—	Website
Statement Copy Fee	$2.50, Per statement for copies of card statements otherwise provided previously; upon issuance of copies requestedConsumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Sep 6, 2026	—	Website
Over limit	$0Consumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Sep 6, 2026	—	Website
Purchase transaction	$0Consumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Sep 6, 2026	—	Website
Balance transfer terms	NoConsumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Sep 6, 2026	—	Website
Opening conditions	APPLICANT MUST QUALIFY FOR AND ESTABLISH KFCU MEMBERSHIP; OTHERWISE, NO AFFILIATION REQUIREMENTConsumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Sep 6, 2026	—	Website

APPLICATION AND SOLICITATION DISCLOSUREpage 1 of 3

APPLICATION AND SOLICITATION DISCLOSURE

VISA PLATINUM LOW RATE/VISA PLATINUM REWARDS/VISA PLATINUM CASH REBATE

Interest Rates and Interest Charges Annual Percentage Rate (APR) for Purchases · Visa Platinum Low Rate Introductory APR for a period of billing cycles. After that, your APR will be to , based on your creditworthiness. This APR will vary with the market based on the Prime Rate. Visa Platinum Rewards to , when you open your account, based on your creditworthiness. This APR will vary with the market based on the Prime Rate. Visa Platinum Cash Rebate to , when you open your account, based on your creditworthiness. This APR will vary with the market based on the Prime Rate. 0.00% 12 11.00% 17.75% 11.50% 18.00% 13.50% 18.00% APR for Balance Transfers · Visa Platinum Low Rate Introductory APR for a period of billing cycles. After that, your APR will be to , based on your creditworthiness. This APR will vary with the market based on the Prime Rate. Visa Platinum Rewards to , when you open your account, based on your creditworthiness. This APR will vary with the market based on the Prime Rate. Visa Platinum Cash Rebate to , when you open your account, based on your creditworthiness. This APR will vary with the market based on the Prime Rate. 0.00% 12 11.00% 17.75% 11.50% 18.00% 13.50% 18.00%

1 2 3No page of this document is cited by this card

Archived Aug 23, 2026Open full document

Sources and dates

Contractual terms come from retained issuer disclosures. Historical cohort statistics come from the CFPB survey and do not change the issuer's terms.

CFPB survey — historical cohort statistics

Reported medians describe observed cohorts at the survey date; they are not contractual APR ranges.

Consumer Financial Protection Bureau
Report Date Dec 31, 2025 · Captured Sep 6, 2026 · record cfpb:tccp:2025-12-31:kirtland-federal-credit-union:visa-platinum-low-rate
Fields: Balance Transfer Offered?, Median Length of Balance Transfer APR, Purchase APR Index, Transfer APR max, Transfer APR median, Transfer APR min, Variable Rate Index
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Consumer Financial Protection Bureau
Report Date Dec 31, 2025 · Captured Sep 6, 2026 · record cfpb:tccp:2025-12-31:kirtland-federal-credit-union:visa-platinum-low-rate
Fields: Advance APR max, Advance APR median, Advance APR min, Cash Advance APR Offered?, Purchase APR Index, Variable Rate Index
Read exact source ↗
Consumer Financial Protection Bureau
Report Date Dec 31, 2025 · Captured Sep 6, 2026 · record cfpb:tccp:2025-12-31:kirtland-federal-credit-union:visa-platinum-low-rate
Fields: Advance APR good, Cash Advance APR Offered?, Purchase APR Index, Variable Rate Index
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Consumer Financial Protection Bureau
Report Date Dec 31, 2025 · Captured Sep 6, 2026 · record cfpb:tccp:2025-12-31:kirtland-federal-credit-union:visa-platinum-low-rate
Fields: Advance APR great, Cash Advance APR Offered?, Purchase APR Index, Variable Rate Index
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Consumer Financial Protection Bureau
Report Date Dec 31, 2025 · Captured Sep 6, 2026 · record cfpb:tccp:2025-12-31:kirtland-federal-credit-union:visa-platinum-low-rate
Fields: Advance APR no score, Cash Advance APR Offered?, Purchase APR Index, Variable Rate Index
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Consumer Financial Protection Bureau
Report Date Dec 31, 2025 · Captured Sep 6, 2026 · record cfpb:tccp:2025-12-31:kirtland-federal-credit-union:visa-platinum-low-rate
Fields: Advance APR poor, Cash Advance APR Offered?, Purchase APR Index, Variable Rate Index
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Consumer Financial Protection Bureau
Report Date Dec 31, 2025 · Captured Sep 6, 2026 · record cfpb:tccp:2025-12-31:kirtland-federal-credit-union:visa-platinum-low-rate
Fields: Intro APR max, Intro APR median, Intro APR min, Introductory APR Offered?, Median Length of Introductory APR, Purchase APR Index, Variable Rate Index
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Consumer Financial Protection Bureau
Report Date Dec 31, 2025 · Captured Sep 6, 2026 · record cfpb:tccp:2025-12-31:kirtland-federal-credit-union:visa-platinum-low-rate
Fields: Purchase APR Index, Purchase APR Offered?, Purchase APR max, Purchase APR median, Purchase APR min, Variable Rate Index
Read exact source ↗
Consumer Financial Protection Bureau
Report Date Dec 31, 2025 · Captured Sep 6, 2026 · record cfpb:tccp:2025-12-31:kirtland-federal-credit-union:visa-platinum-low-rate
Fields: Purchase APR Index, Purchase APR Offered?, Purchase APR good, Variable Rate Index
Read exact source ↗
Consumer Financial Protection Bureau
Report Date Dec 31, 2025 · Captured Sep 6, 2026 · record cfpb:tccp:2025-12-31:kirtland-federal-credit-union:visa-platinum-low-rate
Fields: Purchase APR Index, Purchase APR Offered?, Purchase APR great, Variable Rate Index
Read exact source ↗
Consumer Financial Protection Bureau
Report Date Dec 31, 2025 · Captured Sep 6, 2026 · record cfpb:tccp:2025-12-31:kirtland-federal-credit-union:visa-platinum-low-rate
Fields: Purchase APR Index, Purchase APR Offered?, Purchase APR no score, Variable Rate Index
Read exact source ↗
Consumer Financial Protection Bureau
Report Date Dec 31, 2025 · Captured Sep 6, 2026 · record cfpb:tccp:2025-12-31:kirtland-federal-credit-union:visa-platinum-low-rate
Fields: Purchase APR Index, Purchase APR Offered?, Purchase APR poor, Variable Rate Index
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Consumer Financial Protection Bureau
Report Date Dec 31, 2025 · Captured Sep 6, 2026 · record cfpb:tccp:2025-12-31:kirtland-federal-credit-union:visa-platinum-low-rate
Fields: Annual Fee, Balance Computation Method, Balance Computation Method Details, Balance Transfer Grace Period, Card Features, Contact Information Types, Fee Explanation, Fee Varies?, Grace Period, Grace Period Offered?, Institution Name, Issued by Top 25 Institution, Minimum Finance Charge (Dollars), Minimum Finance Charge?, Monthly Fee, Periodic Fee Type, Periodic max, Periodic min, Product Name, Report Date, Requirements for Opening, Secured Card, Targeted Credit Tiers, Telephone Number for Consumers, Website for Consumer, Weekly Fee
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Consumer Financial Protection Bureau
Report Date Dec 31, 2025 · Captured Sep 6, 2026 · record cfpb:tccp:2025-12-31:kirtland-federal-credit-union:visa-platinum-low-rate
Fields: Balance Transfer Fee ($), Balance Transfer Fee (%), Balance Transfer Fee Calculation, Balance Transfer Fee Types, Balance Transfer Fees?, Minimum Balance Transfer Fee Amount
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Consumer Financial Protection Bureau
Report Date Dec 31, 2025 · Captured Sep 6, 2026 · record cfpb:tccp:2025-12-31:kirtland-federal-credit-union:visa-platinum-low-rate
Fields: Cash Advance Fee ($), Cash Advance Fee (%), Cash Advance Fee Calculation, Cash Advance Fee Types, Cash Advance Fees?, Minimum Cash Advance Fee Amount
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Consumer Financial Protection Bureau
Report Date Dec 31, 2025 · Captured Sep 6, 2026 · record cfpb:tccp:2025-12-31:kirtland-federal-credit-union:visa-platinum-low-rate
Fields: Foreign Transaction Fee ($), Foreign Transaction Fee (%), Foreign Transaction Fee Calculation, Foreign Transaction Fees Types, Foreign Transaction Fees?, Minimum Foreign Transaction Fee Amount
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Consumer Financial Protection Bureau
Report Date Dec 31, 2025 · Captured Sep 6, 2026 · record cfpb:tccp:2025-12-31:kirtland-federal-credit-union:visa-platinum-low-rate
Fields: Late Fee ($), Late Fee Policy Details, Late Fee Types, Late Fees?
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Consumer Financial Protection Bureau
Report Date Dec 31, 2025 · Captured Sep 6, 2026 · record cfpb:tccp:2025-12-31:kirtland-federal-credit-union:visa-platinum-low-rate
Fields: Other Fee Amount, Other Fee Explanation, Other Fee Name
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Consumer Financial Protection Bureau
Report Date Dec 31, 2025 · Captured Sep 6, 2026 · record cfpb:tccp:2025-12-31:kirtland-federal-credit-union:visa-platinum-low-rate
Fields: Other Fee Amount 2, Other Fee Explanation 2, Other Fee Name 2
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Consumer Financial Protection Bureau
Report Date Dec 31, 2025 · Captured Sep 6, 2026 · record cfpb:tccp:2025-12-31:kirtland-federal-credit-union:visa-platinum-low-rate
Fields: Other Fee Amount 3, Other Fee Explanation 3, Other Fee Name 3
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Consumer Financial Protection Bureau
Report Date Dec 31, 2025 · Captured Sep 6, 2026 · record cfpb:tccp:2025-12-31:kirtland-federal-credit-union:visa-platinum-low-rate
Fields: Other Fee Amount 4, Other Fee Explanation 4, Other Fee Name 4
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Consumer Financial Protection Bureau
Report Date Dec 31, 2025 · Captured Sep 6, 2026 · record cfpb:tccp:2025-12-31:kirtland-federal-credit-union:visa-platinum-low-rate
Fields: Over Limit Fee ($), Over Limit Fee Types, Over Limit Fees?, Overlimit Fee Detail
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Consumer Financial Protection Bureau
Report Date Dec 31, 2025 · Captured Sep 6, 2026 · record cfpb:tccp:2025-12-31:kirtland-federal-credit-union:visa-platinum-low-rate
Fields: Minimum Purchase Transaction Fee Amount, Purchase Transaction Fee ($), Purchase Transaction Fee (%), Purchase Transaction Fee Calculation, Purchase Transaction Fee Type, Purchase Transaction Fees
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Consumer Financial Protection Bureau
Report Date Dec 31, 2025 · Captured Sep 6, 2026 · record cfpb:tccp:2025-12-31:kirtland-federal-credit-union:visa-platinum-low-rate
Fields: Other, Requirements for Opening, Requirements for Opening Types
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CFPB Good (620–719) and Great (720+) definitions ↗

History

dates on sources or when they were captured

Dec 31, 2025: Annual fee, Balance transfer APR, Balance transfer fee, Balance transfer terms, Card terms, Cash advance APR, Cash advance fee, Foreign transaction fee, Late payment fee, Other fee, Over limit fee, Purchase APR, Purchase transaction fee

Offered through: Kirtland Credit Union
Legal issuer: Not established by retained evidence
Regulator: NCUA charter 12199
Branches: 10 in NM
Sources: Government dataset · 4 documents · 0 pages cited

Documents

APPLICATION AND SOLICITATION DISCLOSUREeffective date not parsedName declaration: VISA PLATINUM LOW RATE · page 1
APPLICATION AND SOLICITATION DISCLOSUREeffective date not parsedName declaration: VISA PLATINUM LOW RATE · page 1
application_solicitation_disclosure (9-20-2024)effective date not parsedName declaration: VISA PLATINUM LOW RATE · page 1
application_solicitation_disclosure (fr website 2-9-26)effective date not parsedName declaration: VISA PLATINUM LOW RATE · page 1

VISA PLATINUM LOW RATEKirtland Credit Union · federal credit union, NM · NCUA 12199

Rates and fees