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 Monday, May 27 in observance of Memorial Day.

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.

Signature Loans
If you need funds for a vacation, a project, or need to consolidate debt, a signature loan from Kirtland CU may be the solution you need.
Apply Now
Lines of Credit
A personal line of credit is perfect for handling any recurring or unexpected expenses. Your line of credit can even provide Overdraft Protection for your Kirtland CU checking account.
Apply Now
Military Loans
Kirtland CU offers several loan programs exclusively for the men and women of our U.S. armed forces.
apply Now
Secured Loans
Secure your loan with your savings account or certificates for your lowest possible rate. It’s a great way to build credit, and it allows you to access and use your savings funds without liquidating them.
Apply Now



Up to $50,000 Signature Loan

10.49% APR* with terms up to 60 months

Personal Loan Programs

Borrow what you need, make your payments and manage your account online any time, day or night, and get back to life. It’s worry-free borrowing.

Personal Lines of Credit

A personal line of credit is a fantastic way to handle any unexpected expenses. Once your line is established, borrow what you need, when you need it. Your line of credit can also be selected to cover you in the event of an overdraft from your checking account, saving you money.

Start-Up Loan

Military members, if you’re working to establish a credit history, the Start-Up Loan is made for you. Borrow up to $1,000 with no collateral, no cosigner, and terms up to 18 months. Just provide a copy of your LES to qualify.

Signature Loan

Get the funds you need for any expense with a signature loan from Kirtland CU. Consolidate other debt or pay for a vacation—anything. Enjoy competitive rates and terms up to 60 months, along with the friendly service and account management tools that you expect.

Deployment Loan

There’s no greater sacrifice than fighting for your country. If you’re preparing to deploy, the Deployment Loan offers you the opportunity to borrow up to $1,000 for a maximum 12-month term at a low rate. Your first payment may even be deferred up to 60 days.

Secure Loan

Access the money you already have in a savings account or a certificate without liquidating the account—you’ll continue to earn interest. It’s like having your money and spending it, too!

Jump Start Loan

Exclusively for those with little or no credit, the Jump Start loan is a short-term $1,000 loan to that can help you build your credit history.

Financial Workshops & Educational Resources

Financial Wellness Center

We have developed a Financial Wellness Center, in partnership with MoneyEdu, to offer online courses, a full article library, and personal credit counseling agents that can meet with you on your time.

Credit Reports and Scores

Credit reports and scores determine the rates you pay when borrowing and can affect your ability to get certain jobs.

See how a loan would fit into your budget.

Get Started

Three easy ways to open your account.


Apply online right now, or tomorrow night. Or whenever it’s convenient for you!


Give us a call, and a member service representative will help you get started.

CALL 1-800-880-5328


Stop by any of our convenient branches to open your account.

Membership eligibility required. Kirtland CU 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. Usual credit criteria apply. Startup & Deployment are for active duty military only. Different rates apply to different loans and depend upon terms. See a representative for complete details.

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.