Your New Digital Banking Experience Starts Now!
Improving your online banking and mobile experience.
Join a credit union that honors your mission with trusted financial support and confidence-building resources.
Ten Kirtland AFB airmen founded Kirtland Credit Union to provide financial services to the brave men and women who keep our country strong. Our mission remains:
“To exceed the financial expectations of our members—principally those in
the military and organizations that support the defense of our nation.”
The Veterans Benefits Banking Program, or VBBP, is a partnership between VA and the Association of Military Banks of America (AMBA). The program provides Veterans and beneficiaries a safe, reliable, and inexpensive way to receive and manage their VA monetary benefits. The VBBP connects Veterans with banks and credit unions who understand Veterans’ financial needs and can provide Veterans and their beneficiaries the highest level of service.
Click to learn more about Veterans Benefits Banking Program for U.S. Veterans
Organizing your money shouldn’t be as complicated as a PCS. At Kirtland CU, we make sure all the banking resources you need are easy to access and always at your fingertips.
At Kirtland CU, you’ll find personalized, friendly service and the tools you need to take control of your finances. With the latest technology and the friendliest member service, we’re here when you need us, online, in person or over the phone.
Join Kirtland Credit Union This October for a Chance to Win Your Share of $5,500!
Become a member this October and you’ll be automatically entered to win one of three exciting prizes:
When you set up direct deposit in a new Military Checking account, you’ll receive a $100 bonus. Open your Military Checking account online, over the phone, or in person at any of our convenient branches.
$100 Sign Up
Bonus
Free standard checks
No Monthly
Fees
Access Over 30,000 Free ATMs
All-Access
Digital Banking
Real-Time Fraud Alerts
Low Rate Program
Cash Back Rewards
CU Rewards Program
Go there, eat that, experience this, live your best life. With a great rate, three valuable benefit programs to choose from, and Kirtland CU’s unbeatable member service, get ready for the credit card that does it all.
Visa® Platinum Rates as low as 10.00% APR*
Turn your home’s value into cash or credit you can use for, well, anything!
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.
Local Service, Local Payments
Rates as low as 7.00% APR* (fixed)
No Closing Costs
Rates as low as 8.00% APR* (variable)
Make road-trip memories. Whether you’re purchasing four wheels or two, Kirtland CU’s auto loan programs and easy management tools put you in the driver’s seat.
Rates as low as 5.41% APR*
Local Service, Local Payments
100% Financing
Payment Protection
VA Mortgages
Let our local mortgage experts assist you in purchasing the home of your dreams, whether you’re buying your first home or a vacation home. Choose from a wide variety of mortgage options to fit your needs and start on your homebuying journey today.
Kirtland CU is rooted in the community. Our employees live and work alongside you. We support many local schools, charities, and local programs.
In addition, we are your full-service partner, offering everything you could want from a not-for-profit financial cooperative — checking, savings, investing, loans, mortgages, and more, all backed by the latest technology and unbeatable customer service with our focus on you. It’s the Credit Union difference.
Membership eligibility required. Kirtland FCU 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. A member must open and maintain at least one share (savings) account with a minimum balance before any other account may be opened. See a representative for complete details.
*APR = Annual Percentage Rate
1 – To open the Military Checking Account, you must provide Military (Active Duty or Retired) or Dependent ID or medical Discharge date (medically discharged while on Active Duty). If a direct deposit is received within 60 days of account opening, you may receive $100 bonus within 30 days of your first direct deposit. Only one Military Checking Account bonus will be paid per Primary member. Military Checking never charges a monthly maintenance fee. CU Anytime ATMs incur no fee from Kirtland FCU; use of ATMs outside the CU Anytime and CO-OP network may incur fees from the banks that own them. Elimination of monthly account fees have requirements depending on account type; 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. Paid advertisement. No Federal endorsement of advertiser intended.
2 – Visa Platinum Credit Card is subject to additional underwriting requirements. Your interest rate will be determined based on credit and other factors. The Kirtland CU VISA® Platinum Card has a variable interest rate, indexed to the Prime Rate, and tiered based on credit-worthiness criteria. A margin (also based on creditworthiness criteria) is added to the index value to determine the interest rate. The APR can change at any time without notice. Index Value: December 23, 2024 through September 30, 2025 (Wall Street Journal Prime Rate as of December 18, 2024) = 7.50%. VISA® Platinum Card. Promotional Information: Low Rate Card – Balance transfers and purchases are 0% interest rate for 12 months with a 3% balance transfer fee for each transfer. Offer available for the first 90 days after account opening; Cash Rebate Card – 5% cash back on all purchases for 90 days, up to $5,000 spend; Rewards Card – 3x points on all purchases for 90 days, up to $5,000 spend. See the Kirtland CU Guide To Card Benefits for more information. Credit Card Agreement | Disclosure
3 – Home Equity Loan financing available for properties in New Mexico only. Loans are subject to credit approval and are based on equity in the home. Closing costs may vary based on the transaction. Home Equity loans are limited to 90% primary and secondary residence; $10,000 minimum. Home Equity lines of credit are limited to 90% primary and secondary residence, 80% investment property, and $10,000 minimum. Borrower is responsible for homeowners’ insurance premiums, property taxes, and flood insurance premiums, if applicable. As with all lending services, full disclosures, terms, and conditions will be supplied with your mortgage or home equity disclosures.
4 – Vehicle Loan interest rates and loan funding are dependent on creditworthiness and the prime rate. Vehicle loans are dependent on the model year and down payment. No cosigner is required for the 1st time Airmen Auto Loan.
5 – Mortgage Loan subject to credit approval. Financing available for properties in New Mexico only. FHA and VA mortgages are not available for condominiums, manufactured homes or investment properties. As with all lending services, full disclosures, terms, and conditions will be supplied with your mortgage or home equity disclosures.
Improving your online banking and mobile experience.