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.

Jump Start
Your first loan. Your first car. Your first home. These are major financial milestones, and Kirtland CU believes they’re essential to achieving financial independence. That’s why we created the Jump Start options for our members just reaching these milestones for the first time.


Building your credit doesn’t happen overnight. Start small, work your way up, and you’ll be on your way to financial independence.

Your First Loan

No credit history? No problem! Borrow up to $1,000 with Jump Start Loan, just for first-time borrowers who need to build credit.

Your First Car

Your first car is a big deal but getting approved for a loan with no credit history is tough. Jump Start Auto can help.

Your First Home

It’s time to take the jump from renter to owner! Jump Start Home can offer you up to $6,000 toward your down payment on your first home!


Having good credit opens doors at every stage of life! From getting approved for a car or a home to even getting a job. Make sure you’re credit conscious!

Pay on Time

Make your payments by the due date every month for an easy credit boost.

Limit Borrowing

Keep that debt-to-income ratio (how much you owe compared to how much you make) below 35%.

Don't Close Accounts

If it’s not costing you money, leave it open. The age of your accounts matters!

Monitor Your Credit

Check your credit report for free annually at

The More You Know! Read the Insighter Blog for the latest news and Knowledge.

Get Started

Ready to apply for your first personal loan, your first auto loan, or your first home loan? Apply instantly!

Jump Start Loan

Apply for your first personal loan now!

Jump Start Auto

Apply for your first-time auto loan now!

Jump Start Home

Apply for your first home loan now!

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.