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Kirtland CU branches and the Member Contact Center will be closed on Monday, February 19 in observance of Presidents’ Day.

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.

If you may experience financial hardship related to the government shutdown, we’re here to help. Call 1.800.880.5328 or visit one of our branch locations for more information.

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 – 30 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.

30 Months

As Little as $500

4.85% 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 30-month certificate will automatically renew to a 24-month certificate.

The Credit Union Difference

Become a member today and enjoy the benefits of belonging. You’ll find a caring team dedicated to your financial well-being with us. We take the time to understand your unique needs and goals to help you Live Confident.

Membership Criteria

There are no membership enrollment fees, just the $5 share deposit to get your membership established! It only takes about 10 minutes to apply for Kirtland CU membership online. If you are 18 years or older, here’s what you’ll need in order to apply:

  • Your driver’s license or a passport
  • Your U.S. Social Security number
  • Your U.S. citizenship or resident alien documentation if necessary
  • Information for other accounts you want to switch to Kirtland CU

Open with as little as $500!

*APY | **DR
*APY | **DR
*APY | **DR
*APY | **DR
*APY | **DR
*APY | **DR
*APY | **DR
30 months4.85% | 4.75%4.85% | 4.75%4.85% | 4.75%4.85% | 4.75%4.85% | 4.75%4.85% | 4.75%4.85% | 4.75%

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. Advertised dividend rate and APY are applicable to new funds only; not applicable to existing deposited funds.  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.