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, February 17 in observance of Presidents’ Day.

Use caution if you receive a call, email, or text message that appears to be from Kirtland Credit Union. Don’t click on links or call phone numbers in unsolicited messages. Remember: We will NEVER ask for your online banking access codes, credentials or for you to transfer money.

If you may experience financial hardship related to the government shutdown, we’re here to help. Call 1.800.880.5328 or visit one of our branch locations for more information.

The Home Loan Team

Meet the Mortgage Loan Officers helping the Albuquerque, Rio
Rancho and Los Lunas areas achieve home ownership!

A little brew,
a little home loan,
and a whole lot of fun!

Thursday, July 28 • 5:30–7:30 p.m.

Our Mortgage Loan Officers

Home loans can seem complicated. Our Mortgage Loan Officers are ready to make your homebuying experience quick and easy.

Fran Ponce

Mortgage Loan Officer

“As a mortgage professional with more than two decades of banking and lending experience, I’m here for you. I will help you with clear answers, straightforward advice, and affordable mortgage options, now and in the future.

I pride myself on honesty, hard work, and professionalism, and I am dedicated to making the process a positive and rewarding experience for you.

Whether you’re a veteran, first-time homebuyer, forever-home buyer, grand home buyer, or a current homeowner who is interested in refinancing, I look forward to helping you find the loan that best fits your needs.”

Jeremy L. Clemena

Mortgage Loan Officer

“Whether purchasing your first home, next home, building your dream home, or simply hoping to improve your current mortgage terms, I am here to make the mortgage process simple and easy to understand.

My purpose is to listen to your needs, understand what you want to accomplish, and provide transparent solutions to help you execute.

I find great fulfillment in helping my community achieve their dreams of home ownership and financial peace. I take great pride in seeing your vision come to fruition, so I take every interaction personally. Your wins are my wins, and I am here to serve!”

Come meet us at the Home Loan Center!

Fraud Awareness & Prevention

Have questions about fraud, scams, or identity theft? We have FAQs, resources, and more to help, all in one place.

Online and Mobile Banking are currently experiencing technical difficulties and may be intermittently unavailable. We apologize for any inconvenience this causes our members.