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 Wednesday, June 19 in observance of Juneteenth.

Kirtland Credit Union will never ask you to provide, update, or verify personal or account information through an unsolicited email, phone call, or text message.

We will NEVER ask for your online banking access codes, credentials or for you to transfer money.

If you receive an unsolicited email, phone call, or text message, DO NOT RESPOND. Notify us at (505) 254-4369 or 1-800-880-5328.

Learn more about fraud awareness and prevention at our Security Center page.

Concerned about how a government shutdown may impact you? Call us at 1.800.880.5328 to discuss your needs.

Looking for that 'live in the moment' financial confidence?

It's here! We offer handcrafted, unique financial solutions to suit your lifestyle.

It's GO Time!

Join us in celebrating the grand openings of our new Branches.

Enter to win in our GO SWEEPSTAKE!
$5,000 in cash prizes.*


Our checking accounts are as customizable as your wardrobe — choose the features you want and get the cutting-edge tools and technology you need to manage your finances with confidence.

Earn Cash Back

24/7 Online Banking

Earn Dividends

Mobile Banking

30,000 Free ATMs

Real-Time Fraud Alerts

Credit Card

Low Rate Program

Cash Back Rewards

CU Rewards Program

Go there, eat that, experience this, live your best life. With a great rate, three valuable benefit programs to choose from, and Kirtland CU’s unbeatable member service, get ready to make good for the credit card that does it all.

Visa® Platinum Rates as low as 10.75% APR*

Learn more about our credit cards.

Auto Loans

Make road-trip memories. Whether you’re purchasing four tires or two, Kirtland CU’s auto loan programs and easy management tools put you in the driver’s seat.

Learn more about our auto loans.

Rates as low as 8.99%APR*

Local Service, Local Payments

100% Financing

90 Days No Payment

We'll BEAT That!

Looking to purchase or refinance a home?  Bring us a quote from another lender & we will BEAT (or match) it.

Mortgage Programs

Traditional Mortgages

VA Mortgages

First-Time Homebuyer

Let our local mortgage experts assist you in purchasing the home of your dreams, whether you’re buying your first home or a vacation home. Choose from a wide variety of mortgage options to fit your needs and start on your homebuying journey today.

Learn more about our mortgage programs.

Kirtland CU’s Brand Promise: “To build relationships and trust by supporting the unique financial needs and goals of each member so they can Live Confident in their investment with us.”

Visit One of Our Convenient Branches Near You

Kirtland CU is a true community partner, as our employees live and work alongside you. We’re especially proud to support and give back to local schools, charities and community programs.

In addition, we are your full-service partner, offering everything you could want from a not-for-profit financial cooperative — checking, savings, investing, loans, mortgages, and more, all backed by the latest technology and unbeatable customer service with our focus on you. It’s the Credit Union difference.

Membership eligibility required. Kirtland FCU welcomes veteran, active-duty, and retired members of all branches of the U.S. military, including NM National Guard and Reserve, who have ever been served by KAFB; contractors, employees, and retirees of businesses who work on or with KAFB under contract with the U.S. Government; members and employees of partner organizations throughout Albuquerque; and family members of eligible or existing members. See a representative for complete details. Your deposit accounts are federally insured to at least $250,000 by the NCUA. A member must open and maintain at least one share (savings) account with a minimum balance before any other account may be opened. CU Anytime ATMs incur no fee from Kirtland FCU; use of ATMs outside the CU Anytime and CO-OP network may incur fees from the banks that own them. The military checking account requires a military ID displaying you are Active Duty, Guard, Reserve or Retiree. Family members are eligible too. Your personal ID number and issue and/or expiration date from your military ID is required for access to the military checking account. Elimination of monthly account fees have requirements depending on account type; Military Checking never charges a monthly maintenance fee. Account triggered fees and charges that may be assessed against your account are disclosed in the fee schedule. For complete details, refer to the Truth-In-Savings Disclosure.

Visa Platinum Credit Card – *APR = Annual Percentage Rate. Rates effective the first of each month and are subject to change at any time without notice. Annual percentage rate is based on credit history and other factors. The Kirtland FCU Visa Platinum Credit Card has a variable interest rate which is indexed to the Prime Rate and tiered based on credit-worthiness criteria. A margin (based on credit-worthiness criteria) is added to the index to determine the interest rate. The annual percentage rate can change quarterly, based on changes to the index, and annually, based on changes to the credit-worthiness criteria. Cash-back rewards will post to your account at the end of each billing cycle. Cash advance, ATM withdrawals, and balance transfer transactions are excluded from earning cash rebates or reward points. If you do not specify a benefit program, you will be automatically enrolled in the Cash Back Rebate. Standard text messaging rates may apply to receive real-time fraud text alerts. See the Kirtland FCU Guide To Card Benefits for more information. Credit Card Agreement | Disclosure

Vehicle Loan – *APR = Annual Percentage Rate. Rates effective the first of each month and are subject to change at any time without notice. Interest rates and loan funding is dependent on credit worthiness and the prime rate. Vehicle loans are dependent on the model year and down payment. No cosigner is required for the 1st time Airmen Auto Loan.

Mortgage Loan subject to credit approval. FHA and VA mortgages are not available for condominiums, manufactured homes or investment properties. As with all lending services, full disclosures, terms, and conditions will be supplied with your mortgage or home equity disclosures.

Copyright. Kirtland Federal Credit Union 2022. 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.

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.