Rest Confident, Your Money is Safe and Secure at Kirtland Credit Union, a message from our President & CEO. Learn More

Friday, March 15: the Kirtland CU branch on KAFB is CLOSED. We apologize for any inconvenience. Please visit our nearest Gibson branch for assistance.

Our 2024 Annual Meeting will be held on Tuesday, March 26 at 5:00 p.m. >> Click to learn more

Online and Mobile Banking are intermittently unavailable. We are working to resolve the issue and apologize for any inconvenience.

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. 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.

If you may experience financial hardship related to the government shutdown, we’re here to help. Call 1.800.880.5328 or visit one of our branch locations for more information.

A little brew,
a little home loan,
and a whole lot of fun!

Thursday, July 28 • 5:30–7:30 p.m.

We're Your Home Equity Leader

Put your home to work. Apply online, day or night!

No Closing Costs

Low Rates

Local Payments and Service

Loan or Line-of-Credit?

You have two great options for accessing your equity. A home equity loan provides a lump sum of cash for your projects or expenses; a home equity line-of-credit allows you to pay as you go for your expenses and make payments only on what you’ve used. Each has features and drawbacks depending on your situation.

Here are the key differences:

Home Equity LoanHome Equity Line-of-Credit
What It IsA loan with fixed payments and a fixed interest rate.A line of credit (like a credit card) with a variable interest rate that you can use for up to 15 years.
A fixed interest rate with predictable monthly paymentsX
An adjustable interest rate with variable monthly paymentsX
Lump sumX
Pay interest only on the money you useX
Rates as low as7.25% APR*8.50% APR*
Maximum Terms180 months180 months

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.

Using the Equity in Your Home

Home equity can be tapped for any reason – from home renovations to paying off high-interest debt. Topics include:

  • How home equity is determined.
  • Ways to access your home equity.
  • The potential pros and cons of tapping home equity.
  • How tapping home equity may affect your first mortgage

Calculate Your Payments

No need to guess what your monthly payments will look like on your home equity loan—try it now!

Once you’ve calculated your payments, click Save or Apply Now to send us your information. A representative will follow up to answer any questions or help you get started.

Home Equity at Work

Remodel a kitchen

Landscape that yard

Handle home repairs

Replace the roof

Emergency funds

Consolidate debt

Pay for an education

Alternative to a credit card or personal loan

READY TO APPLY? LET’S GET STARTED!

Click

Apply online, any time!

Call

Give us a call, and a representative will help you get started.

CALL 1-800-880-5328

Visit

Stop by any of our convenient branches to apply for your home equity loan or line-of-credit.

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. Kirtland Credit Union is an equal housing lender. Financing available for properties in New Mexico only. Loan subject to credit approval and based on equity in home. Closing costs may vary based on transaction. Home equity loans and lines of credit are limited to 90% loan-to-value and $200,000; actual savings based on transaction amount. Borrower is responsible for homeowners insurance premiums and, if required, flood insurance premiums. Special restrictions may apply; contact a representative for complete details. Consult a tax advisor regarding deductibility of interest. As with all lending services, full disclosures, terms, and conditions will be supplied with your mortgage or home equity disclosures.

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, Mobile, and Telephone Banking will be unavailable on Sunday, December 17 from 12:00-5:00 a.m. MST.