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.

Online & Mobile Banking
Bank anytime, anywhere with Online Banking and the powerful Mobile App (download on your Apple or Android device).
Learn More
The Independence Debit Card
Backed by the buying power of Visa, this little red card earns you valuable Purchase Rewards.
learn more
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 PayXXX
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
External Transfers and PopMoney$2/transfer (3-Day)
$4/transfer (Next-Day)
5 Free Transfers Per Month$2/transfer (3-Day)
$4/transfer (Next-Day)
Free Text BankingXXX

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.

1-day personal loan special

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.