Kirtland CU Online, Mobile, and Telephone Banking will be unavailable on Sunday, December 11 between 12:30 – 7:30 a.m. as we perform system maintenance.

Kirtland CU branches and the Member Contact Center will be closed on Monday, February 20 in observance of Presidents’ Day.

We have engaged FORVIS, LLP (Attn: Jeff Rosno, 1801 California Street , Ste. 2900, Denver, CO 80202) to perform member verifications. Kindly compare the balance of your accounts on your December 2022 statement WITH YOUR RECORDS. If balances do not agree, please address your discrepancies directly to FORVIS, LLP. Include your name, truncated account number, and an explanation of the difference noted.  A reply is not considered necessary unless a difference is noted.

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


Sharon McMahan


Maria Weddige-Gurney


Lugene FrazIer


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

Rarden, Matt_518A6108_retouched

“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.

Sharlene EAst

Executive Vice President and COO

Alex Mendes

Chief Administrative Officer

Tina Andrews

Chief Financial Officer

Sarah Horten

Chief Lending Officer

George Walker

Chief Information Officer

Todd Trevino

Sr. Vice President Kirtland Financial Services

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.

1-day personal loan special

Up to $50K Signature Loan @7.49% APR* with terms up to 60 months

Kirtland CU Online, Mobile, and Telephone Banking will be unavailable on Sunday, December 11 between 12:30 – 7:30 a.m. as we perform system maintenance.