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All Kirtland CU branches and locations will be closed on Wednesday, November 11 in observance of Veterans Day.

If you have been financially impacted by the wildfires in Arizona, Colorado, and New Mexico, we’re ready to work with you on personalized solutions.

Contact us today at (800) 880-5328 to learn how we can help.

Our Los Lunas branch is temporarily closed this morning. If you need in-branch banking services, please visit any of our other Kirtland CU branches.

If you may experience financial hardship related to the government shutdown, we’re here to help. Contact us at 1.800.880.5328 for assistance, and click here to see how we are standing with you.

If you are experiencing financial hardship related to the government shutdown, we’re here to help. Click here to see how we are standing with you.

Use caution if you receive a call, email, or text message that appears to be from Kirtland Credit Union. Don’t click on links or call phone numbers in unsolicited messages. Remember: We will NEVER ask for your online banking access codes, credentials or for you to transfer money.

Security Alert: It has come to our attention that members may be receiving fraudulent phone calls that appear to be from Kirtland Credit Union.  Use caution if you receive a call, email, or text message that claims to be from Kirtland Credit Union, Kirtland CU Fraud or Corporate Office.  When in doubt, hang up and contact us directly using a verified phone number.  Never share personal information with unsolicited callers.

Remember: We will NEVER ask for your verification codes, passwords, or ask you to transfer money. 

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The BX branch is temporarily closed. For banking services, please visit our MaxQ branch at Gibson & Maxwell or access your accounts through Kirtland CU Digital Banking.

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Estate Planning Key Numbers

By Kirtland Financial Services

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You will find here some key numbers associated with estate planning, as well as the federal gift tax and estate tax rate schedules for 2020 and 2021.

20202021
Annual gift tax exclusion$15,000$15,000
Gift tax and estate tax applicable exclusion amount$11,580,0001 + DSUEA2$11,700,0001 + DSUEA2
Noncitizen spouse annual gift tax exclusion$157,000$159,000
Generation-skipping transfer (GST) tax exemption$11,580,0003$11,700,0003
GST tax rate40%40%
Special use valuation limit (qualified real property in decedent's gross estate)$1,180,000$1,190,000

1 The basic exclusion amount.

2 Deceased spousal unused exclusion amount (for 2011 and later years)

3 The GST tax exemption is not portable.

2021 and 2021 Gift Tax and Estate Tax Rate Schedule

Taxable Gift/EstateTentative Tax EqualsPlusOf Amount Over
$0 - $10,000$018%$0
$10,000 - $20,000$1,80020%$10,000
$20,000 - $40,000$3,80022%$20,000
$40,000 - $60,000$8,20024%$40,000
$60,000 - $80,000$13,00026%$60,000
$80,000 - $100,000$18,20028%$80,000
$100,000 - $150,000$23,80030%$100,000
$150,000 - $250,000$38,80032%$150,000
$250,000 - $500,000$70,80034%$250,000
$500,000 - $750,000$155,80037%$500,000
$750,000 - $1,000,000$248,30039%$750,000
$1,000,000 +$345,80040%$1,000,000
Credit shelter amount: $11,580,000 in 2020, $11,700,000 in 2021Unified credit amount: $4,577,800 in 2020, $4,625,800 in 2021

Content in this material is for general information only and not intended to provide specific advice or recommendations for any individual. All performance referenced is historical and is no guarantee of future results. All indices are unmanaged and may not be invested into directly. The information provided is not intended to be a substitute for specific individualized tax planning or legal advice. We suggest that you consult with a qualified tax or legal professional. LPL Financial Representatives offer access to Trust Services through The Private Trust Company N.A., an affiliate of LPL Financial.

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