Due to scheduled system maintenance, Online Banking, Mobile Banking, and Telephone Banking will be unavailable on Sunday, August 14 from 12:00 a.m. to 6:00 a.m.

If you have been impacted by Hurricane Ian, we are here to help. Contact us at 800.880.5328 for more information.

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 freecreditreport.com.

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!

Make Road-Trip Memories

Get a new set of wheels at Rich Ford. Now through August 31, Rich Ford will give you $500 off.

Kirtland CU branches and the Member Contact Center will be closed Monday, September 5 in observance of Labor Day.