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.

It takes some talented people to captain a credit union. These are the teams that are dedicated to making sure Kirtland Credit Union serves our members with excellence.

Meet the board of directors

Matt Nixon


Mark Neice

Vice Chair

Cheryl Frost


Lyn Kirkwood


Kim Fitzgerald


Terry Franks


Brian McDonald


2022 Nominations have been announced

Kirtland Federal Credit Union Board of Directors Nominations


Deadline: November 27, 2021

As a member-owned cooperative, the credit union is guided by a volunteer Board of Directors elected from the membership. Each year, a Nominating Committee is appointed to consider the nomination of incumbents and/or other members to fill expiring terms. This year there are 3 board positions up for election each consisting of a 3-year term. Any member in good standing with Kirtland Federal Credit Union and 18 years of age or older is eligible to serve.

If you are interested in being considered by the Nominating Committee, please submit a letter of interest and qualifications to:

Frances Phillips, Executive Assistant

Supervisory Committee

Art Gottlieb


Lugene FrazIer


Sharon McMahan


Glenn Walters


Maria Weddige-Gurney


The primary function of the Supervisory Committee is to:


Direct internal audit activities designed to verify credit union records are prepared accurately


Verify whether internal controls, policies and procedures are maintained and followed


Monitor performance to ensure that elected officials are carrying out the duties for which they are responsible.

How can we improve? Send your concerns to the Supervisory Committee.

executive leadership team


“The credit union philosophy of people helping people is alive and well here at Kirtland CU, and we want to expand that to everyone in the communities we serve and are a part of.”

Matt Rarden

President and CEO

Mr. Rarden joins Kirtland CU after serving as Chief Operating Officer at Premier Members Credit Union in Boulder, CO since 2014. Prior to leading operations at PMCU, Mr. Rarden worked with Fortune 100 company IBM and Fortune 500 companies Convergys and Wells Fargo. He also has extensive experience serving on Premier Members Credit Union’s Board of Directors.

New Mexico was a draw for Mr. Rarden, whose home state of Colorado has a lot in common with its southern neighbor. But there are key differences that presented an allure for Kirtland CU’s new leader.

Alex Mendes

Chief Administrative Officer

Julie Nielsen

Chief Financial Officer

Sarah Horten

Chief Lending Officer

George Walker

Chief Information Officer

Todd Trevino

Sr. Vice President – Kirtland Financial Services

Rick Crocker

Sr. Vice President – Marketing

The Kirtland FCU Mission –
Why We Exist

To exceed the financial expectations of our members—principally those in the military and organizations who support the defense of our nation. At Kirtland FCU, our field of membership is top of mind. A large portion of that mission is to support those who defend our country, and we’re proud to partner in the financial success of these very special individuals.

The Kirtland FCU Vision -
Who We Want To Be

To be recognized by our members as their most trusted financial partner. We will continue to grow and adapt to changes in our membership, marketplace, and environment. Trust is earned. As a not-for-profit financial cooperative, Kirtland FCU is able to truly empower our members’ financial independence, even as the financial world around them becomes more difficult to navigate. We’re working to ease our members worries and help them build for the future.

Kirtland Credit Union Core Values


We promote meaningful connections with our members and employees – our family – for the purpose of strengthening and celebrating our communities. We are socially responsible and committed to giving back to our neighbors.


All of us, working together, are committed to exceeding
expectations through sincere efforts and handcrafted solutions.


We are committed to exploring, expanding and investing in innovative technologies, products and services to ensure our members and employees are strongly positioned for future growth and success.


With integrity at our core we provide consistent, responsible and honorable service to each member and employee. We help members live confident by continuing our solid history of providing safe and secure financial solutions.


We see, hear and value each member and employee while creating a culture that reflects and supports the diversity of our communities. We value our family’s unique talents, perspectives and initiatives.

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.