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

All Kirtland CU branches and locations will be closed on Thursday, July 4 in observance of Independence Day.

Due to a global tech outage, the processing of some services may be impacted today, Friday, July 19.

We are working quickly to restore service, and we appreciate your patience.

Our TellerPhone service is experiencing intermittent issues.  We are working diligently to resolve. Please use our Online and Mobile banking services. We apologize for any inconvenience.

Phishing scams are on the rise – don’t get caught! Learn how to spot scams and more at our Fraud Awareness and Prevention Center.

If you have been financially impacted by the wildfires and floods in the Ruidoso area, we have options available to help. Call us at 1-800-880-5328 to learn more.

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.
We just Raised our Rates - Look!
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.


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.

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 and Mobile Banking will be unavailable on Thursday, May 9 from 10:00 p.m. to 6:00 a.m. Friday, May 10.