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ROUTING NUMBER: 307070050
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All Kirtland CU branches and locations will be closed on Monday, October 14 in observance of Indigenous Peoples’ Day.
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.
We have engaged Forvis Mazars, LLP (Attn: Bud Hollenkamp, 1801 California Street, Ste. 2900, Denver, CO 80202) to perform member verifications. Kindly compare the balance of your accounts on your September 2024 statement WITH YOUR RECORDS. If balances do not agree, please address your discrepancies directly to Forvis Mazars, 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.
ROUTING NUMBER: 307070050
By K-Staff
Being in debt is a difficult situation – a few late payments, a few extra credit cards, and your credit score can start to suffer. Sometimes it can feel like your payments aren’t getting you anywhere, and desperation starts to kick in. Offers to help you build your credit score quickly or eliminate your debt sound like just what you need to escape the debt cycle – but you can find yourself in even deeper trouble if you deal with companies promising immediate debt relief.
So how can you make your debt situation more manageable without being falling prey to scams and predatory lenders? Let’s cover the basics.
Debt consolidation is taking all of your outstanding debt and combining it into a single payment – this makes your payments more manageable. Fewer places to remember to pay, fewer payment deadlines to potentially miss, fewer fees! Used judiciously before you begin to miss payments, debt consolidation can help you minimize damage to your credit score.
Make a budget. Figure out where your money is going, and try to cut your spending on unnecessary expenditures – this is often the first step in getting your debt under control.
Call your creditors. If you are getting behind on your bills, explain your situation with your creditors. It won’t eliminate your debt, but they can often work out a payment plan with lower, more manageable payments.
Target high-interest debt first if you can – the sooner you can pay down debts with the highest interest rates, the less interest you will pay in the long run.
Routing Number: 307070050
6440 Gibson Blvd. SE, Albuquerque, NM 87108
Federally insured by NCUA Equal Opportunity Lender