Kirtland CU’s 2023 Annual Membership Meeting will be held Tuesday, March 21 at our Gibson branch at 4:30 p.m. Click here for complete details.

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Ready to Apply?

CALL 1-800-880-5328


Turn those bills into confetti and celebrate freedom from debt! Consolidate your high-balance debts with a personal loan from Kirtland CU.

Rates as low as 9.99% APR1

Terms available up to 60 months with predictable monthly payments.

BORROW UP TO $50,000

Have a lot of bills or high-balance debts? A personal loan is a great choice for consolidation.


Finalize your debt consolidation loan by May 31, 2023, for your chance to win!

Calculate Your Payments

A personal loan offers one simple, predicable monthly payment. See how a personal loan payment fits into your budget.

Once you’ve generated the estimate, click Save or Apply Now to send us your information. A member representative with Kirtland CU will follow up to answer any questions or get your application started.


Our members throughout Albuquerque and beyond have one thing in common—they want great service, low rates, and no-nonsense banking and loan options. At Kirtland CU, you belong!

Full-Service Banking

Spending accounts and great savings options, all with the technology you need to manage your money. Anywhere, any time.

Loans You Need

Credit card, auto loans, home loans, home equity loans, and more. Kirtland CU keeps rates low and payments local. Always!

Financial Partners

Solutions, tools, advice, and a friendly greeting. That’s what we promise every member, every time. In branch or online!


Ready to celebrate debt-freedom and be entered for a chance to receive $1,000 toward your principal balance?


Apply 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


Make an appointment at any of our convenient branches to start your application.

1APR=Annual Percentage Rate. Rate subject to approval based on credit worthiness and other factors. Loan amounts up to $50,000 available based on credit worthiness. Student loans are ineligible for consolidation with this loan.

2Loan must be funded by May 31, 2023, with a stated purpose of debt consolidation to be eligible for the $1,000 to be applied toward the principal balance of the loan. No cash value. No purchase necessary. For alternate entry, send a 3.5″x5″ postcard to: Debt Consolidation Entry, Marketing Kirtland CU, PO Box 80570, Albuquerque, NM 87198 with full name, address, and phone number. Entries must be handwritten and legible. Illegible entries will be void. Must be postmarked by May 15, 2023 and received by May 31, 2023. Prize has no cash value. Void where prohibited by state law. Final drawing will take place on June 15, 2023; winner will be notified by mail, e-mail, or telephone within 30 days. Should a winner have a qualifying Debt Consolidation personal loan, principal balance of that loan will be credited within 30 days. If the winner does not have a qualifying loan, prize will be held in reserve until such time as the winner applies for and opens a qualifying personal loan with a balance of at least $1,000. If loan balance is less than $1,000, loan balance will be paid in full and remaining prize will be forfeited. Membership eligibility required. See a representative for compete details. Valid in states where permitted by law. See a representative for complete details. An equal opportunity lender. For full promotional rules, click here.

2023 Annual Meeting

Join us at our 2023 Annual Membership Meeting on Tuesday, March 21 at our Gibson Branch at 4:30 p.m.

Can't be there in person? Register to view online! Click Learn More for more details.

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.