Kirtland CU Online, Mobile, and Telephone Banking will be unavailable on Sunday, December 11 between 12:30 – 7:30 a.m. as we perform system maintenance.

Kirtland CU branches and the Member Contact Center will be closed on Monday, February 20 in observance of Presidents’ Day.

We have engaged FORVIS, LLP (Attn: Jeff Rosno, 1801 California Street , Ste. 2900, Denver, CO 80202) to perform member verifications. Kindly compare the balance of your accounts on your December 2022 statement WITH YOUR RECORDS. If balances do not agree, please address your discrepancies directly to FORVIS, LLP. Include your name, truncated account number, and an explanation of the difference noted.  A reply is not considered necessary unless a difference is noted.

Certificates
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.
Call to Open An Account
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

LIMITED TIME OFFER

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.

Certificates

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

IRA

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.

ESA

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

Call

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

CALL 1-800-880-5328

Visit

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.

1-day personal loan special

Up to $50K Signature Loan @7.49% APR* with terms up to 60 months

Kirtland CU Online, Mobile, and Telephone Banking will be unavailable on Sunday, December 11 between 12:30 – 7:30 a.m. as we perform system maintenance.