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 Wednesday, June 19 in observance of Juneteenth.

Kirtland Credit Union will never ask you to provide, update, or verify personal or account information through an unsolicited email, phone call, or text message.

We will NEVER ask for your online banking access codes, credentials or for you to transfer money.

If you receive an unsolicited email, phone call, or text message, DO NOT RESPOND. Notify us at (505) 254-4369 or 1-800-880-5328.

Learn more about fraud awareness and prevention at our Security Center page.

Concerned about how a government shutdown may impact you? Call us at 1.800.880.5328 to discuss your needs.

Online & Mobile Banking
Bank anytime, anywhere with Online Banking and the powerful Mobile App (download on your Apple or Android device).
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The Independence Debit Card
Backed by the buying power of Visa, this little red card earns you valuable Purchase Rewards.
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Enjoy the perks of being a Kirtland CU member—big bank capabilities and local neighborhood service.
Compare Accounts

Kirtland CU Checking

Money in motion—your checking account is the hub for most of your day-to-day finances, with funds coming and going in an endless cycle. Our checking accounts are as customizable as your wardrobe—choose the features you want and get the cutting-edge tools and technology you need to manage your finances with confidence.

Freedom-Plus Checking

For those who want flexibility and great checking options close to home or abroad.


For the tech-savvy member who prefers the security of electronic checking.

Military Checking

For our military servicemen and women—past and present—and their family members.

Ready to open your account?


All three accounts are great, really! But each offers unique benefits and options that may fit perfectly into your life. Compare them now.

FeaturesFreedom-Pluse-CheckingMilitary Checking
Earn Cash Back with PurchaseXXX
Independence ​Visa®​ Debit CardXXX
Earn DividendsXXX
30,000 Free ATMsXXX
24/7 Online Banking & Bill PayXXX
Anywhere Mobile Banking & Mobile Check DepositXXX
Real-Time Fraud AlertsXXX
Free Check ProcessingXFirst 10 transactions per month (additional checks: $0.50 per check)X
Free ChecksOne Standard Box provided at account opening8 checks provided at account openingX
Overdraft Protections/Courtesy Pay
Monthly Fee$0 with $300 minimum direct deposit each month OR $2,000 average daily balance OR Minimum 10 debit card transactions each month$0 with e-Statements AND $300 minimum direct deposit each month$0
e-StatementsFreeRequired & FreeFree
Money Movement (P2P and A2A)FreeFreeFree
Free Text BankingXXX

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.

Managing Accounts

Account management strategies for checking and savings. Topics include:

  • The advantages of online banking.
  • The importance of saving statements for three years or more.
  • Three simple steps for managing your accounts.

Get Started

Three easy ways to open your account.


Open your account 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. 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.

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.