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. The military checking account requires a military ID displaying you are Active Duty, Guard, Reserve or Retiree. Family members are eligible too. Your personal ID number and issue and/or expiration date from your military ID is required for access to the military checking account. Elimination of monthly account fees have requirements 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.