Kirtland CU Online, Mobile, and Telephone Banking will be unavailable on Sunday, December 11 between 12:30 – 7:30 a.m. as we perform system maintenance.

Kirtland CU branches and the Member Contact Center will be closed on Monday, February 20 in observance of Presidents’ 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.

Your banking options should never be just numbers. Experience personalized checking with friendly service—every time.
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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.
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One-size-fits-all? Not likely! Choose the checking account option that best fits YOUR life.
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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?

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.

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

Kirtland CU Online, Mobile, and Telephone Banking will be unavailable on Sunday, December 11 between 12:30 – 7:30 a.m. as we perform system maintenance.