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

Friday, March 15: the Kirtland CU branch on KAFB is CLOSED. We apologize for any inconvenience. Please visit our nearest Gibson branch for assistance.

Online and Mobile Banking are intermittently unavailable. We are working to resolve the issue and apologize for any inconvenience.

Kirtland Credit Union will never ask you to provide, update, or verify personal or account information through an unsolicited email, phone call, or text message. If you receive an unsolicited email, phone call, or text message, DO NOT RESPOND. Notify us at (505) 254-4369 or 1-800-880-5328.

Concerned about how a government shutdown may impact you? Call us at 1.800.880.5328 to discuss your needs.

LIVE CONFIDENT with the Kirtland CU VISA® Platinum Card!

As a member with Kirtland Credit Union, you have access to our incredible 0% introductory rate VISA® Platinum Low Rate Card.

How low can you go?

With the VISA® Platinum Low Rate card, you get our lowest available rate and one of the lowest non-teaser rates on the market.

VISA® Platinum Low Rate Card

Additional VISA® Platinum Card Options

Cash Rebate VISA® Platinum Card

With our Cash Rebate card, you get cash back on every purchase you make – no catches, no categories, no limits.

Rewards VISA® Platinum Card

Turn your purchases into your next adventure with travel rewards, or claim merchandise and other rewards with CU Rewards points.

Get Started Today!

Two easy ways.


Apply instantly now...or later! Whenever it works for you.


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 open your account.

* Membership required. Terms and conditions apply. Other special discounts may not be combined. Equal Opportunity Lender.

1. APR = Annual Percentage Rate and can change at any time without notice. All loans are subject to additional underwriting requirements. Your interest rate will be determined based on credit and other factors.

2. The Kirtland CU VISA® Platinum Card has a variable interest rate, indexed to the Prime Rate, and tiered based on credit-worthiness criteria. A margin (also based on creditworthiness criteria) is added to the index value to determine the interest rate. The APR can change quarterly, based on changes to the index, and annually, based on changes to the credit-worthiness criteria. Index Value: July 28, 2023 through March 31, 2024 (Wall Street Journal Prime Rate as of July 26, 2023) = 8.50%. VISA® Platinum Card

Promotional Information: Low Rate Card – Balance transfers and purchases are 0% interest rate for 12 months with a 3% balance transfer fee for each transfer. Offer available for the first 90 days after account opening; Cash Rebate Card – 5% cash back on all purchases for 90 days, up to $5000 spend; Rewards Card – 3x points on all purchases for 90 days, up to $5000 spend.

See the Kirtland CU Guide To Card Benefits, Credit Card Agreement, Credit Card Application and Solicitation Disclosure for more information. A main Share (savings account) is required for membership at Kirtland CU with a $5 per signer minimum balance and must be established before any other account may be opened. 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.  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.

Speak with a representative for complete details.

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, Mobile, and Telephone Banking will be unavailable on Sunday, December 17 from 12:00-5:00 a.m. MST.