Kirtland CU’s 2023 Annual Membership Meeting will be held Tuesday, March 21 at our Gibson branch at 4:30 p.m. Click here for complete details.

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Home sweet home
Big and beautiful or small and sweet—your home deserves the best loan. Kirtland CU is Albuquerque’s home loan leader!

Proud Sponsor 2022 Parade of Homes

Kirtland FCU is here for you with every major mortgage program for any size dream.

April 22nd, 23rd & 24th

April 29th, 30th & May 1st

11:00A.M. to 5:00 P.M.


Choose from a wide variety of mortgage program options to fit your goals, whether you're buying your first home or vacation home.


Purchase your land and let your dreams take shape with a land loan. You have three years to start building!


Once you’ve purchased your land, get building with a construction loan!

You Belong!

Credit unions are better than banks (yeah, we said it!) because we’re focused on YOU. We get you! Kirtland CU is your 505-living, green chile–loving, backyard balloon–gazing financial partner. All we’re missing…is you! With more than 200 ways to qualify for membership, buying a home with Kirtland CU is easy.

A Loan Made Just For You

With your choice of every popular mortgage program, you’ll find the loan you need with the benefits you deserve.

Zero Hidden Fees

Best Rate, No Points

Local Financing & Payments

Local Service & Expertise

Fixed and Adjustable Rate Mortgages

VA Mortgages

First-Time Homebuyer Program

Jumbo and Second Mortgages

Find today’s rate on all our mortgage and refinance programs.

Your New Home Is At Your Fingertips

With low interest rates, local financing, and anywhere payments, Kirtland CU is New Mexico’s premier mortgage lender. Use our handy loan calculator to see where a mortgage would fit into your budget.

Once you’ve generated the estimate, click Save or Apply Now to send us your information. A member service representative will follow up to answer any questions or get you started.

Get Started Today

Your home is waiting, and you don’t even have to be a member to get started. So, let’s move!


Apply online when 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.

Kirtland Federal Credit Union is an equal housing lender. Financing available for properties in New Mexico only. Loan subject to credit approval. As with all lending services, full disclosures, terms, and conditions will be supplied with your mortgage or home equity papers. FHA and VA mortgages are not available for condominiums, manufactured homes or investment properties. 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.

2023 Annual Meeting

Join us at our 2023 Annual Membership Meeting on Tuesday, March 21 at our Gibson Branch at 4:30 p.m.

Can't be there in person? Register to view online! Click Learn More for more details.

Kirtland CU Online, Mobile, and Telephone Banking will be unavailable on Sunday, December 11 between 12:30 – 7:30 a.m. as we perform system maintenance.