Kirtland CU branches and the Member Contact Center will be closed Thursday, November 24 in observance of Thanksgiving 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.

You Belong

We empower the financial independence of people and families throughout Albuquerque and beyond.

Banking Without The Bank
Kirtland CU isn’t a bank. Big, impersonal, for-profit—that’s not us. Like all credit unions, we’re a not-for-profit financial cooperative. We’re dedicated to empowering the financial independence of members who are largely ignored by or lost in the crowd at the big banks.
Full-Service Banking
You might think that with our level of dedication, our services would be limited. At Kirtland CU, you’ll find everything you could want from a financial institution—checking, savings, investing, loans, mortgages, and more, all backed by the latest technology and accessibility.
Dedicated To Community
Our middle name could be “Local”. With branches in Albuquerque and on Kirtland AFB, Kirtland CU is a true community partner. Our employees live and work alongside you, so we’re especially dedicated to supporting school, charities, and community programs.

Empowering Members’ Financial Independence

Every tool we offer is designed to simplify your life by eliminating the financial stress in your life and empowering you to take control and save and borrow smarter.

State Of The Credit Union
The Kirtland FCU Mission – Why We Exist
To exceed the financial expectations of our members—principally those in the military and organizations who support the defense of our nation. At Kirtland FCU, our field of membership is top of mind. A large portion of that mission is to support those who defend our country, and we’re proud to partner in the financial success of these very special individuals.
The Kirtland FCU Vision - Who We Want To Be
To be recognized by our members as their most trusted financial partner. We will continue to grow and adapt to changes in our membership, marketplace, and environment. Trust is earned. As a not-for-profit financial cooperative, Kirtland FCU is able to truly empower our members’ financial independence, even as the financial world around them becomes more difficult to navigate. We’re working to ease our members worries and help them build for the future.

We’re dedicated to serving our community with the best financial products and solutions.

Kirtland Credit Union Core Values


We promote meaningful connections with our members and employees – our family – for the purpose of strengthening and celebrating our communities. We are socially responsible and committed to giving back to our neighbors.


All of us, working together, are committed to exceeding
expectations through sincere efforts and handcrafted solutions.


We are committed to exploring, expanding and investing in innovative technologies, products and services to ensure our members and employees are strongly positioned for future growth and success.


With integrity at our core we provide consistent, responsible and honorable service to each member and employee. We help members live confident by continuing our solid history of providing safe and secure financial solutions.


We see, hear and value each member and employee while creating a culture that reflects and supports the diversity of our communities. We value our family’s unique talents, perspectives and initiatives.

Financial knowledge, the latest news and events, and important fraud and scam tips—it's Kirtland CU Insighter Blog!

Join Now

Three easy ways to join.


Apply for membership online when it works for you—24 hours a day, 7 days a week.


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 join.

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.

1-day personal loan special

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

Kirtland CU branches and the Member Contact Center will be closed Monday, September 5 in observance of Labor Day.