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

Kirtland FCU branches and the Member Contact Center will be closed Monday, May 29 in observance of Memorial Day.

For longer-term saving goals, certificates offer a simple way to turn your funds into a secured investment on a timetable that helps you meet your goals with little risk and predictable growth.
Open An Account Today!
IRAs and ESAs
Save for college or retirement with an IRA or ESA from Kirtland CU. These accounts are secure, lower-risk savings options that offer significant tax benefits and predictable growth. It’s worry-free saving.
Call to Open An Account


15-Month Certificate* Open with as little as $500

Certificates & IRAS

IRAs and certificates offer low risk and a predictable return on your dollar. It’s easy and worry-free to save for your future.


If you want to maximize your returns beyond the dividends of a traditional savings account, a certificate account may be perfect for you.

  • Choose a term from 3 months to 5 years
  • Earn dividends at a higher rate than a savings account, based on your certificate amount
  • Withdraw your dividends without penalty


IRAs allow you to safely save for retirement and enjoy significant tax benefits while you’re at it. Choose from two different IRA accounts: the traditional IRA and the Roth IRA. The difference is in how taxes are assessed—upon contribution to the account or upon withdrawal.

IRA rollovers

If you’ve recently retired, changed jobs, or just want more control over your money, rolling over your retirement plan assets to an IRA at Kirtland CU will preserve your tax benefits and continue to grow your savings.


If you want to save for a child’s education, a Coverdell ESA is a great tool. The account is set up in the name of the beneficiary, and the withdrawal is generally tax-free when used for qualified expenses.

Get Started

Two easy ways


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

CALL 1-800-880-5328


Stop by any of our convenient branches to start your application.

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. Your deposit accounts are federally insured to at least $250,000 insured by the NCUA. Unless otherwise paid, dividends will compound monthly. Paid and accrued dividends may be withdrawn at any time during the certificate term without penalty. Any other premature withdrawal will result in a penalty in accordance with the account agreement disclosure. Other changes may be made during the renewal grace period which is 10 calendar days following the date of maturity. IRA tax benefits are subject to specific tax qualifications. Consult your tax advisor for complete details. 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.

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