ROUTING NUMBER: 307070050
Current Rates
Whether you’re looking for a car, a home, or a great return on a certificate, you’ll find the best service—at Kirtland CU.
Here are the current rates for the loan or savings program you’re interested in.
Here are the current rates for the loan or savings program you’re interested in.
We'll BEAT That!
Looking to purchase or refinance a home? Bring us a quote from another lender & we will BEAT (or match) it.
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a little home loan,
and a whole lot of fun!
Thursday, September 28 • 5:30–7:30 p.m.
Fixed Rate Mortgages
| Product | Interest Rates | Points | *APR |
|---|---|---|---|
| 30 Year | 6.000% | 0.000 | 6.181% |
| 20 Year | 5.625% | 0.000 | 5.863% |
| 15 Year | 5.375% | 0.000 | 5.673% |
| 10 Year | 5.375% | 0.000 | 5.799% |
All fixed rate mortgage loans are limited to a maximum LTV of 95% for a purchase and no-cash-out refinance. The limit is 85% LTV for a cash-out refinance.
FHA/VA Mortgages
| Product | Interest Rates | Points | *APR |
|---|---|---|---|
| FHA 30 Year | 5.875% | 0.000 | 6.798% |
| FHA 15 Year | 5.375% | 0.000 | 6.375% |
| VA 30 Year | 5.875% | 0.000 | 6.255% |
| VA 15 Year | 5.375% | 0.000 | 6.004% |
FHA requires a minimum of 3.5% down. Mortgage insurance is required for all FHA loans. VA loans require a VA funding fee.
Adjustable Rate Mortgages
| Product | Interest Rates | Points | *APR |
|---|---|---|---|
| 15/15 ARM | 6.125% | 0.000 | 6.137% |
On the adjustment date for this ARM mortgage, your interest rate will be based on the 10-Year Treasury Security Rate index plus a margin. Your interest rate cannot increase or decrease more than 5.00 percentage points at the one time change. Under no circumstance will your rate be less than 1.00 percent.
Index: 4.02 (11/28/2025), Margin: 1.00
| Product | Interest Rates | Points | *APR |
|---|---|---|---|
| 10/1 ARM | 5.875% | 0.000 | 6.055% |
| 7/1 ARM | 5.625% | 0.000 | 5.927% |
| 5/1 ARM | 5.375% | 0.000 | 5.859% |
| 3/1 ARM | 5.125% | 0.000 | 5.866% |
| 1 Year ARM | 4.875% | 0.000 | 5.964% |
On the adjustment date for these ARM mortgages, your interest rate will be based on the 1-Year Treasury Security Rate index plus a margin. Your interest rate cannot increase or decrease more than 2.00 percentage points at each adjustment. Your interest rate cannot increase or decrease more than 6.00 percentage points over the term of the loan. Under no circumstance will your rate be less than 2.25 percent.
Index: 3.61 (11/28/2025), Margin: 2.25
| Product | Interest Rates | Points | *APR |
|---|---|---|---|
| 5/5 ARM | 5.500% | 0.000 | 5.908% |
On the adjustment date for this ARM mortgage, your interest rate will be based on the 5-Year Treasury Security Rate index plus a margin. Your interest rate cannot increase or decrease more than 2.00 percentage points at each adjustment. Your interest rate cannot increase or decrease more than 6.00 percentage points over the term of the loan. Under no circumstance will your rate be less than 2.25 percent.
Index: 3.59 (11/28/2025), Margin: 2.25
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*APR – Annual Percentage Rate is subject to change without notice. Your rate and APR may vary depending on loan terms, including, but not limited to: points, loan amount, your credit score, mortgage / rent payment history, property valuation, and property occupancy. KCU’s lending area is limited to properties within the state of New Mexico. As with all lending services, full disclosures, terms, and conditions will be supplied with your mortgage disclosures. All loan program issuances are subject to credit worthiness and are not guaranteed. Kirtland Credit Union is an Equal Housing Lender.
All APR information assumes an owner-occupied single-family residence within the state of New Mexico with a loan amount of $100,000 and fees of: 1% origination fee, $895 underwriting fee, and a $21 life-of-loan flood certificate fee. The APR on fixed rate mortgages assumes a 20% down payment, the APR on FHA mortgages assumes a 3.5% down payment, and the APR on VA loans assumes no down payment and first time use.
Loans on investment properties are available on our fixed rate loan products. Pricing depends upon credit score and loan-to-value.
Mortgages that are greater than $806,500 are considered “Jumbo” loans and are available with our 15 and 10 year fixed products and with our ARM products. The interest rate adjustment on these loans is .625 add-on to the rate listed on our current quote sheet. Risk-based pricing adjustments apply.
VA mortgages that are greater than $806,500 are considered “VA Jumbo” loans and are available on our 30 and 15 year VA loans. The interest rate adjustment on these are .875 add-on to the rate listed on our current quote sheet.
A member must open and maintain at least one share (savings) account with a minimum balance before any other account may be opened. Account triggered fees and charges that may be assessed against your account are disclosed in the fee schedule. For complete details, refer to the Truth-In-Savings Disclosure.
Membership eligibility required. Kirtland CU welcomes veteran, active-duty, and retired members of all branches of the U.S. military, including NM National Guard and Reserve, who have ever been served by KAFB; contractors, employees, and retirees of businesses who work on or with KAFB under contract with the U.S. Government; members and employees of partner organizations throughout Albuquerque; and family members of eligible or existing members. See a representative for complete details.