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

Kirtland CU branches and the Member Contact Center will be closed Thursday, November 23 in observance of Thanksgiving.

Don’t let fraudsters steal your holiday cheer! Check out these scams to avoid and tips to follow for a happy holiday season. >> Learn more

If you may experience financial hardship related to the government shutdown, we’re here to help. Call 1.800.880.5328 or visit one of our branch locations for more information.

Your banking options should never be just numbers. Experience personalized checking with friendly service—every time.
start now
all access
It's your money. You should have access from anywhere, any time! Free Online and Mobile Banking let you manage your money no matter where you are.
start now
One-size-fits-all? Not likely! Choose the checking account option that best fits YOUR life.
start now

Checking Accounts

Choose from three fantastic checking account options, all backed with powerful money management features such as Apple Pay, Online and Mobile Banking, and more.

Freedom Plus Checking

Checking for the traditionalist. Next-level checking with a tactile experience. Call, click, or come in!


Checking for the tech-savvy. You’re in the driver’s seat with e-Checking, an online, truly connected experience.

Military Checking

Checking for our servicemen and women. If you serve, this checking account is here to serve you.

Which is the right checking account for you?

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. Providing financial education to assist with your needs including:

Beyond Checking

All Kirtland CU checking accounts feature FREE, powerful tools that make paying bills and managing your money easier than ever.

Online Banking

Mobile Banking

30,000 ATMs

Apple Pay

Pay People (PopMoney)

Visa Debit Card

Overdraft Protection


We’re proud to support you for life.

In a recent survey, two-thirds of respondents said they were extremely likely to recommend Kirtland CU to a friend or family member.

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. 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 CU; use of ATMs outside the CU Anytime and CO-OP network may incur fees from the banks that own them. Must be an active or retired member of the U.S. Armed Forces to qualify for a Military Checking account. Elimination of monthly account fees have requirement 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.

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 intermittently unavailable on Sunday, November 19, between 12:00-6:00 a.m. MST.