Kirtland CU Online, Mobile, and Telephone Banking will be unavailable on Sunday, December 11 between 12:30 – 7:30 a.m. as we perform system maintenance.

Kirtland CU branches and the Member Contact Center will be closed on Monday, February 20 in observance of Presidents’ Day.

We have engaged FORVIS, LLP (Attn: Jeff Rosno, 1801 California Street , Ste. 2900, Denver, CO 80202) to perform member verifications. Kindly compare the balance of your accounts on your December 2022 statement WITH YOUR RECORDS. If balances do not agree, please address your discrepancies directly to FORVIS, LLP. Include your name, truncated account number, and an explanation of the difference noted.  A reply is not considered necessary unless a difference is noted.

Plan for your future, the confident way
Great rate. Low risk. Smart Savings. 18-Month Certificate.

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 $1,000) for a set period of time, in this case 18 months or from three months to five years.  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 $1,000

Open Now

Here's How It Works

  • Deposit a minimum of $1,000 with a guaranteed Annual Percentage Yield*.
  • 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.

Open with as little as $1,000!

*APY | **DR
*APY | **DR
*APY | **DR
*APY | **DR
*APY | **DR
*APY | **DR
18 months4.33% | 4.25%4.33% | 4.25%4.33% | 4.25%4.33% | 4.25%4.33% | 4.25%4.33% | 4.25%

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 longer term ?

Get Started Today!

Two easy ways.


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. **DR = Dividend Rate.

The 18-month certificate offer is available effective January 1, 2023 through March 31, 2023, end date is subject to change.

  1. Rate Information. The Annual Percentage Yield is a percentage rate that reflects the total amount of dividends to be paid on an account based on the dividend rate and frequency of compounding for an annual period. The Dividend Rate and Annual Percentage Yield are fixed and will be in effect for the initial term of the account. For accounts subject to dividend compounding, the Annual Percentage Yield is based on an assumption that dividends will remain on deposit until maturity. A withdrawal of dividends will reduce earnings.
  2. Dividend Period. For each account, the dividend period is the account’s term. The dividend period begins on the first day of the term and ends on the maturity date.
  3. Dividend Compounding and Crediting. The compounding and crediting frequency of dividends will be monthly, unless therwise indicated.
  4. Balance Information. The minimum balance requirements applicable to each account is $1000. To open any account, you must deposit or already have on deposit at least the par value of one full share in a Main Share account. Dividends are calculated by the Daily Balance method, which applies a periodic rate to the balance in the account each day.
  5. Accrual of Dividends. Dividends will begin to accrue on non-cash deposits (e.g. checks) on the business day you make the deposit to your account.
  6. Transaction Limitations. After your account is opened, you may make withdrawals subject to the early withdrawal penalties stated below.
  7. Maturity. Your account will mature as stated on your Account Receipt or Renewal Notice.
  8. Early Withdrawal Penalty. We may impose a penalty if you withdraw from your account before the maturity date.
    1. Amount of Penalty. For all accounts, the amount of the early withdrawal penalty is based on the term of your account. The penalty schedule is as follows:
      Terms of less than 12 months 90 days’ dividends
      Terms of 12 months or longer 180 days’ dividends
    2. How the Penalty Works. The penalty is calculated as a forfeiture of part of the dividends that have been or would be earned on the account. It applies whether or not the dividends have been earned. In other words, if the account has not yet earned enough dividends or if the dividends have already been paid, the penalty will be deducted from the principal.
    3. Exceptions to Early Withdrawal Penalties. At our option, we may pay the account before maturity without imposing
      an early withdrawal penalty under the following circumstances:
      1.  When an account owner dies or is determined legally incompetent by a court or other body of competent
      2. Where the account is an Individual Retirement Account (IRA) and any portion is paid within seven (7) days after the establishment; or where the account is an IRA and the owner attains age 59 ½ or becomes
  9.  Dividend Withdrawals. You can only withdraw dividends credited in the term before maturity of that term without penalty. You can withdraw dividends anytime during the term of crediting after they are credited to your account.
  10. Renewal Policy. Your Certificate accounts are automatically renewable accounts. You have a grace period of 10 days after maturity in which to withdraw funds in the account without being charged an early withdrawal penalty. The 18-month Certificate will automatically renew for 12 months at the then current 12-month dividend rate and annual percentage yield.
  11. Nontransferable/Nonnegotiable. Your account is nontransferable and nonnegotiable.
  12. Membership. As a condition of membership, you must purchase and maintain the minimum required share(s) as set forth below:
    Par Value of One Share: $5.00
    Number of Shares Required: 1 per owner

1-day personal loan special

Up to $50K Signature Loan @7.49% APR* with terms up to 60 months

Kirtland CU Online, Mobile, and Telephone Banking will be unavailable on Sunday, December 11 between 12:30 – 7:30 a.m. as we perform system maintenance.