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Membership eligibility required. Kirtland FCU 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. Your deposit accounts are federally insured to at least $250,000 by the NCUA. A member must open and maintain at least one share (savings) account with a minimum balance before any other account may be opened. CU Anytime ATMs incur no fee from Kirtland FCU; use of ATMs outside the CU Anytime and CO-OP network may incur fees from the banks that own them. The military checking account requires a military ID displaying you are Active Duty, Guard, Reserve or Retiree. Family members are eligible too. Your personal ID number and issue and/or expiration date from your military ID is required for access to the military checking account. Elimination of monthly account fees have requirements depending on account type; Military Checking never charges a monthly maintenance fee. 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.

Mortgage Loan subject to credit approval. FHA and VA mortgages are not available for condominiums, manufactured homes or investment properties. As with all lending services, full disclosures, terms, and conditions will be supplied with your mortgage or home equity disclosures.

*Beat or Match Program is available for purchase and refinance of first lien mortgages (excluding FHA, VA, and home equity loans). Kirtland CU will give 0.50% off the qualified rate quoted with a floor of 5.50%. Kirtland CU will match the origination fee. Applications must be submitted by December 31, 2026, to qualify for the promotion offer. Subject to credit approval. A quote is defined as a Loan Estimate. The Loan Estimate must be fully completed with a locked rate by the competing lender/financial institution to be considered for promotion offer. Competing Loan Estimate must be dated within 30 days of Kirtland Credit Union loan application. Terms and structure of competing loan (including use of rate buy down points, if applicable) must be comparable to Kirtland Credit Union loan to qualify. Alternative documentation used to show competing terms and rates will not qualify for the promotion offer. Once the rate is locked, the loan must be closed and funded within 60 days for the rate lock to apply to the loan. The purchase transaction can be locked once an executed purchase agreement is received. Kirtland Credit Union reserves the right to deny any request. Kirtland Credit Union will not match closing cost fees. Kirtland Credit Union is an Equal Housing Lender.