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.

Member Banking Services

Think what you could get done if you had the right tools and no one standing in your way. That’s what Kirtland CU is all about. And if you do need assistance, we’re here for that, too.

You don’t function just 9–5. Your credit union shouldn’t either. With Online and Mobile Banking, you have the tools to handle your money when and where you need them. Secure, fast, and hassle-free.

Fraud Awareness & Prevention Center

Have questions about fraud, scams, identify theft, how to protect yourself or privacy?  We have FAQs, resources and more all in one place.

Online Banking

If you have a computer, you have free and secure 24-hour access to your accounts online. Once you’re registered for Online Banking, log in to: 
  • Check balances on your loans, accounts, certificates, and credit cards
  • Schedule transfers
  • Pay bills
  • Send money to friends (P2P) with Money Movement
  • Transfer money to an account at another institution (A2A) with Money Movement
  • New to Online Banking? Give us a call at 1-800-880-5328 to get set up.

Bill Pay

Never miss a payment again when you sign up for Bill Pay in Online Banking! Bill Pay lets you manage your finances more efficiently and save time by paying all your bills in one place.
  • Schedule automatic payments
  • Make one-time payments
  • Pay bills at home or on the go with Online and Mobile Banking

Mobile Banking

Take us with you everywhere with our mobile banking app! Download the app now on your Android or Apple device to: 
  • Log in securely with your fingerprint or face ID (on supported devices)
  • Check balances on your loans, accounts, certificates, and credit cards
  • Transfer money between your accounts (A2A)—even accounts at other financial institutions
  • Pay bills
  • Deposit a check via Mobile Deposit
  • Locate ATMs and branches with your map app
  • Send money to friends (P2P) with Money Movement
  • Create account alerts

Mobile Check Deposit

Need a branch or ATM to deposit a check? With free Mobile Check Deposit, all you need is your phone or tablet!
  • Step 1: Log into Mobile Banking
  • Step 2: Snap a photo of the front and back of your check
  • Step 3: Confirm the account and amount

Just remember to write “For Mobile Deposit Only” in the endorsement area and sign the check. NOTE: Once this endorsement is made, the check can no longer be cashed or deposited at a branch or ATM.

Money Management

Take control of your money and your finances with the powerful tools in Money Management. 
  • Set a budget or let Money Management create one for you
  • View your Kirtland CU accounts and your other financial accounts side-by-side
  • Manage your spending – see and track your spending
  • It’s FREE! Every aspect of Money Management is free and accessible through Online and Mobile Banking


This is the convenient, secure—and free!— way to receive your monthly account statements! Keep your valuable information out of your mailbox and out of identity thieves’ hands when you sign up for e-Statements through Online or Mobile Banking
  • 24/7 access through Online and Mobile Banking
  • Receive an alert when your statement is ready
  • View, print, and download up to 18 months of statement history
  • View images of checks
  • Available for your personal checking, savings, credit card, certificate of deposit, and money market accounts

Money Movement

Money Movement, available through Online and Mobile Banking, is the easy, safe way to pay friends, split a bill, send last-minute gifts and more!
  • Pay anyone with an e-mail address or phone number
  • No need to carry cash or checks
  • Keep information private with no need to exchange account numbers
  • Simply log in, click “Move Money”, then “Money Movement” and select “Pay a Person”. Money Movement transactions are FREE!

Purchase Rewards

The Purchase Rewards program saves you money with personalized cash-back rewards—simply for shopping with your Kirtland CU debit card!
  • Step 1: Log in to Online or Mobile Banking
  • Step 2: Activate your personalized offers
  • Step 3: Use your Kirtland CU debit card to make your purchase, and earn cash back

Member Services

  • Notary Services – We can notarize your documents at any branch location. 
  • Cashier’s Check – Stop by any branch to get an official check.
  • Wires – Send money anywhere with easy wire transfer service from any location. Cutoff times apply. See a representative for details.
  • Fee Schedule – Understand the different services we provide and their applicable fees.

Call to get started! 1-800-880-5328

Forms and Other Services

It’s nitty gritty time. Learn how Kirtland CU can save you a little money at tax time, and find all the documents you need in one convenient place.


Receive a discounted federal filing at tax time through TurboTax. Log in to get started.


(a.k.a. Legal Mumbo Jumbo) Our accounts and products are great, but we do have a few rules, too.


Browse the document library to find and download the documents you need, quickly and easily.

Ready To Switch?

Three easy steps.

Join Kirtland CU

Become a member when it works for you–24 hours a day, 7 days a week.

Notify your payers/payees

Redirect any direct deposit or automatic payments to your new account.

Close your old account

Close your old account and deposit any remaining funds into your new account.

Fees may be associated with various member banking services. See the fee schedule for complete details. Data charges by your mobile device provider may apply and are the responsibility of the device owner. KCU Mobile Banking is compatible with iOS 13.0 and Android 8.0 or later, and is available for download from the App Store (iPhone), App Store (iPad) and Google Play Store (Android). Person to person payments (PopMoney) requires access to KCU Online Banking and registration for services. All transfers are subject to daily and monthly transfer limits.

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.