Rest Confident, Your Money is Safe and Secure at Kirtland Credit Union, a message from our President & CEO. Learn More

Friday, March 15: the Kirtland CU branch on KAFB is CLOSED. We apologize for any inconvenience. Please visit our nearest Gibson branch for assistance.

Online and Mobile Banking are intermittently unavailable. We are working to resolve the issue and apologize for any inconvenience.

Kirtland Credit Union will never ask you to provide, update, or verify personal or account information through an unsolicited email, phone call, or text message. If you receive an unsolicited email, phone call, or text message, DO NOT RESPOND. Notify us at (505) 254-4369 or 1-800-880-5328.

Concerned about how a government shutdown may impact you? Call us at 1.800.880.5328 to discuss your needs.

Certificates earn more dividends than basic savings

A certificate is like a promise: You promise to set aside a fixed amount of cash (at least $500) for a set period of time – 18 months. In return, Kirtland CU gives you a higher dividend rate than you could get in a regular savings account. Our rate is guaranteed for the term of the deposit.

Your funds are fully insured and your money is safe and sound while the dividends compound every month.

18 Months

As Little as $500

5.12% APY*

Here's How It Works

  • Deposit a minimum of $500 with a guaranteed rate for the term of the deposit.
  • Dividends calculated on the daily balance method and compounded monthly.
  • At the end of your certificate’s term, withdraw your money plus the dividends you’ve earned, or roll over your earnings into a new certificate.
  • Your 18-month certificate will automatically renew to a 12-month certificate.

Open with as little as $500!

*APY | **DR
*APY | **DR
*APY | **DR
*APY | **DR
*APY | **DR
*APY | **DR
*APY | **DR
18 months5.12% | 5.00%5.12% | 5.00%5.12% | 5.00%5.12% | 5.00%5.12% | 5.00%5.12% | 5.00%5.12% | 5.00%

Seeing is believing! Use our handy calculator to see what a certificate can do for you.

Once you’ve generated the estimate, click Save or Apply Now to send us your information. A member representative with Kirtland CU will follow up to answer any questions or get your application started.

Looking for a different term ?

Get Started Today!

Two easy ways.


Apply online, any time!


Give us a call, and a member service representative will help you get started.

CALL 1-800-880-5328


Stop by any of our convenient branches to open your account.

*APY=Annual Percentage Yield. Dividend rate is fixed and will be in effect for the initial term. Dividends calculated on the daily balance method and compounded monthly. $500 minimum balance to open and must be maintained to obtain advertised APY. A penalty may be imposed for withdrawals made before maturity and may reduce earnings.  Membership eligibility and par share in a Main Share account required.  Contact a Representative for details. Federally insured by NCUA.

Don't Be a Victim!

You need to know about credit union impersonation scams so you can avoid becoming a victim of these nefarious tactics.

Online, Mobile, and Telephone Banking will be unavailable on Sunday, December 17 from 12:00-5:00 a.m. MST.