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 Paid and accrued dividends may be withdrawn at any time during the certificate term without penalty.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.