Rest Confident, Your Money is Safe and Secure at Kirtland Credit Union, a message from our President & CEO. Learn More

All Kirtland CU branches and locations will be closed on Thursday, July 4 in observance of Independence Day.

Due to a global tech outage, the processing of some services may be impacted today, Friday, July 19.

We are working quickly to restore service, and we appreciate your patience.

Our TellerPhone service is experiencing intermittent issues.  We are working diligently to resolve. Please use our Online and Mobile banking services. We apologize for any inconvenience.

Phishing scams are on the rise – don’t get caught! Learn how to spot scams and more at our Fraud Awareness and Prevention Center.

If you have been financially impacted by the wildfires and floods in the Ruidoso area, we have options available to help. Call us at 1-800-880-5328 to learn more.

Auto & Motorcycle Loans
You’ve got the drive, we’ve got the tools. Whether you’re purchasing four tires or two, Kirtland CU’s auto loan programs and easy management tools put you in the driver’s seat.
Apply Now
Boat & RV Loans
Let’s get off the beaten path. Kirtland CU’s RV and boat loans are the ticket to your next adventure. And with Kirtland CU’s friendly local service and anytime account management tools, you’re free to go—anywhere.
apply now
Aircraft & Balloon Loans
Hey, it’s Albuquerque! If there’s anything we know, it’s balloons. If you’re going to great heights in your next purchase with an aircraft or hot air balloon, Kirtland can help you fly.
apply now

Vehicle Loan Programs

Every loan program is backed by Kirtland CU’s friendly, local service and account management tools that put you in the driver’s seat. So, let’s go shopping.

Auto Loans

Buy new, buy used, or refinance your current vehicle for your lowest interest rate and monthly payment. Enjoy terms up to 84 months and rates as low as 8.99% APR*.

1st Auto Loan for Airmen

If you’re an active member of the U.S. armed forces with little or no credit history, enjoy terms up to 75 months with rates as low as 12.99% APR*—no cosigner required.

MBP or GAP Insurance

Mechanical Breakdown Protection (MBP) – coverage that helps after your factory warranty expires.

Guaranteed Asset Protection (GAP) – can help pay the difference between what you owe and what your insurance company pays.

RV and Boat Loans

Finance your recreational vehicle or boat with us, and head out on your next adventure. Terms up to 180 months allow you to keep your monthly payments low and the good times rolling (or floating).

Motorcycle Loans

We finance two wheels, too. With flexible terms of either 48 or 60 months and rates as low as 8.24% APR*, you’ll be cruising in no time.

Balloon and Aircraft Loans

Albuquerque and hot-air balloons just go together. If you need to finance a vehicle that flies—a hot-air balloon or aircraft—come talk with us. Just promise you’ll give us a ride.

Payment Protection

The best laid plans can sometimes go awry. Choose from three levels of protection that can reduce or even eliminate your loan payment after an unforeseen financial hardship such as a death or job loss.

Financial Workshops & Educational Resources

Financial Wellness Center

We have developed a Financial Wellness Center, in partnership with MoneyEdu, to offer online courses, a full article library, and personal credit counseling agents that can meet with you on your time.

Financing A Car Purchase

After you’ve researched vehicles and found the best option for you, there’s one more thing – how will you pay for it? In a perfect world, you’d pay in cash to eliminate the cost of financing. But with the average new car price approaching $40,000, that’s not an option for most people. 

See how a new vehicle fits into your budget.

Ready to find your next vehicle?

No need to head to the dealership. You’re already here! Shopping in slippers is more fun, anyway.

Get Started

Three easy ways to apply.


Start your application 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 open your account.

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. *APR = Annual Percentage Rate. Rates effective the first of each month and are subject to change at any time without notice. Interest rates and loan funding is dependent on credit worthiness and the prime rate. Vehicle loans are dependent on the model year and down payment. No cosigner is required for the First-Time Airmen Auto Loan.

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 and Mobile Banking will be unavailable on Thursday, May 9 from 10:00 p.m. to 6:00 a.m. Friday, May 10.