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Mobile Check Deposit is Temporarily Unavailable. We apologize for the inconvenience.

Fraud Alert: If you receive a call or text asking to verify a fraudulent transaction, do not respond, call unfamiliar numbers, or click suspicious links. Contact us directly using trusted methods.

Use caution if you receive a call, email, or text message that appears to be from Kirtland Credit Union. Don’t click on links or call phone numbers in unsolicited messages. Remember: We will NEVER ask for your online banking access codes, credentials or for you to transfer money.

If you may experience financial hardship related to the government shutdown, we’re here to help. Call 1.800.880.5328 or visit one of our branch locations for more information.

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ROUTING NUMBER: 307070050

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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.

JUMP START FOR EVERY STAGE

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.

Get Started

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.

Get Started

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!

Get Started

THE KEYS TO GREAT CREDIT

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 freecreditreport.com.

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

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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!

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Jump Start Auto

Apply for your first-time auto loan now!

Let's Go

Jump Start Home

Apply for your first home loan now!

Let's Go
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Routing Number: 307070050

6440 Gibson Blvd. SE, Albuquerque, NM 87108

Copyright. Kirtland Federal Credit Union 2025. All rights reserved.

Federally insured by NCUA Equal Opportunity Lender

THIRD PARTY LINK DISCLOSURE: We may provide links to third party sites, independent from Kirtland Federal Credit Union. These links are provided only as a convenience. Kirtland Federal Credit Union does not manage the operation, content or any links contained inside of the website you are about to enter. The privacy and security policies of the site may differ from those of Kirtland Federal Credit Union.
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