Join Kirtland CU and enjoy a 3.04% APY with your new high-yield savings account.
High-yield savings accounts are like regular savings accounts, but with the benefit to you maximized. Whether you’re looking for a short- or long-term place to deposit your cash, you’ll earn a high rate of interest while still having easy access when you need it.
Joining Kirtland CU and opening your account is easy:
Great savings rates available
| Account Type | Balance Tiers | *APY | **DR |
|---|---|---|---|
| High Yield Savings Accounts | $0.01-$50,000 | 3.04% | 3.00% |
| High Yield Savings Accounts | over $50,000 | 0.10% | 0.10% |
A High-Yield Savings Account (HYSA) is a non-maturity deposit account that earns a higher rate than our regular share savings account.
The HYSA uses a split-tier rate, which means each tier rate applies to each tier balance. For the HYSA, deposits from $0.01 to $50,000 earn 3.04% APY*/3.00% DR**. Deposits over $50,000 earn 0.10% APY*/0.10% DR**.
You can either send us a check or set up an external account using Money Movement inside our Online Banking or Mobile app1.
There are no unique fees associated to the HYSA. See our Fee Schedule for all of our depository fees.
Like all deposit accounts at Kirtland Credit Union, your savings are insured by NCUA to at least $250,000.
No. This account does not support check-writing capabilities.
You can transfer money from your HYSA to your regular checking account and use it there. You can make a transfer via online or mobile banking, call Kirtland CU, or stop by one of our branches.
Rates and APYs are subject to change – similar to our standard savings, checking, and Insured Money Management dividend rates.
Yes. This is a “new money” only savings account, designed to encourage new memberships to the credit union. Internal transfers of existing money on deposit at Kirtland CU into this account are not allowed.
No. The HYSA is only available to individual members, not businesses or organizations.
This account is available only for a limited time.
Enter your deposit balance (up to $50,000) and see what you can earn.
Once you’ve generated the earnings estimate, click Save or Apply Now to send us your information. A member service representative with Kirtland CU will follow up to answer any questions or get your application started.
Join via online at your convenience.
Give us a call, and a member service representative will help you get started.
Stop by any of our convenient branches to open your account.
*APY = Annual Percentage Yield. **DR = Dividend Rate. Rates/APYs are subject to change.
1- HYSA account must be opened/funded with funds from outside of Kirtland CU only (new money).
Membership eligibility required. Limit one account per Member. Rates are subject to change.
KCU 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. Account triggered fees and charges that may be assessed against your account are disclosed in the fee schedule. For detailed HYSA account information, refer to the HYSA Truth-In-Savings Disclosure. For all other account information and disclosures, refer to the Truth-In-Savings Disclosure and Membership and Account Agreement, provided upon establishing membership. Federally insured up to $250,000 by NCUA.
Save 0.50% off our already low auto refinance rates and enjoy 60 days without payments when you apply before May 31, 2026.