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.

serving those who serve

Kirtland and the U.S. Armed Forces

Kirtland CU was founded by ten Airmen from Kirtland AFB to serve the men and women of that base. Their dedication to the brave men and women who serve our country remains at the core of our mission:

“To exceed the financial expectations of our members—principally those in
the military and organizations who support the defense of our nation.”

Become a Member

Our military members and their families face unique challenges: deployment, separations, and more. Kirtland CU is committed to offering the best banking and loan options to help ease their financial worries.

At Kirtland CU, you’ll find personalized, friendly service and the tools you need to take control of your finances. With the latest technology and the friendliest member service, we’re here when you need us, online, in person or over the phone.

Ready to Join?

Military Checking

Members of any branch of the U.S. military, active or retired, have access to FREE Military Checking!3

$100 Sign Up Bonus3

No Monthly Maintenance Fee4

All-Access Banking Services

When you set up direct deposit in a new Military Checking account, you’ll receive a $100 bonus. Open your Military Checking account online, over the phone, or in person at any of our convenient branches. With branches conveniently located on Kirtland AFB, as well as just outside the Gibson gate, Kirtland CU is on your way.


Free standard checks. Free call center. Free mobile check deposits. 


Whether you need access from the living room, another state, or another country, we’ve got you covered.


Backed by the latest technology, you can move your money around however it works for you.

Military Loans

If you’re an active member of the U.S. armed forces with little or no credit history, enjoy terms up to 75 months with a great rate—no cosigner required.2

First Auto Loan For Airmen

If you’re an active member of the U.S. armed forces with little or no credit history, enjoy terms up to 75 months with a great rate—no cosigner required.

Start-Up Loan

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.

Deployment Loan

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.

Asset Recovery Kit (ARK) Loan

If you need quick cash, don’t head for a payday lender. This short 30-day term loan is specially designed to provide cash up to $500 to active-duty military personnel.

We make it easy

Save time and money with these FREE tools from Kirtland CU. Because banking should be easy!

Online Banking & Bill Pay

Bank in your jammies, if you want to. Your secure Online Banking account gives you 24/7 access—pay bills, schedule transfers, and more.

Mobile Banking

Wherever you are, we’re there too. Our free, secure Apple and Android banking apps put you in control of your money. Anytime, anywhere.


Sign up to receive your monthly statements conveniently in Online Banking, faster than traditional paper statements.


It’s a dangerous world out there for your money. That’s why we employ the best technology to monitor your accounts and protect you from fraud and theft.

30,000 Nationwide ATMs

With 30,000 ATMs in the CU Anytime and CO-OP Network, you’re always close to your money.

The Debit Card

This little harvest gold card is backed by the go-anywhere, buy-anything power of Visa and offers you exclusive Purchase Rewards in your Online Banking account.

Join NOw

Three easy ways to join.


Apply for membership online when it works for you—24 hours a day, 7 days a week.


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.

Your savings are federally insured by the NCUA to at least $250,000. 1. Data charges by your mobile device provider may apply and are the responsibility of the device owner. Apple, the Apple logo, and iPhone are trademarks of Apple Inc., registered in the U.S. and other countries. Apple Pay and Touch ID are trademarks of Apple Inc. Android, Android Pay, and the Android Logos are trademarks of Google Inc. 2. All loans/credit products are subject to credit approval. 3. A Military Checking Account requires Military ID, Dependent ID, or proof of Medical Discharge while on active duty. To open the Military Checking Account, you must provide Military (Active Duty or Retired) or Dependent ID or medical Discharge date (medically discharged while on Active Duty). If a direct deposit is received within 60 days of account opening, you may receive $100 bonus within 30 days of your first direct deposit. Member must not have an existing checking account of any type prior to opening the Military Checking Account to be eligible for the bonus. Only one Military Checking Account bonus will be paid per Primary member. Paid advertisement. No Federal endorsement of advertiser intended. 4. Elimination of monthly account fees dependent on account type: Military Checking Account does not charge a monthly account fee. Fees may apply to various banking services; see Fee Schedule for complete details. 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. Membership eligibility required. 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.