Rest Confident, Your Money is Safe and Secure at Kirtland Credit Union, a message from our President & CEO. Learn More

Friday, March 15: the Kirtland CU branch on KAFB is CLOSED. We apologize for any inconvenience. Please visit our nearest Gibson branch for assistance.

Online and Mobile Banking are intermittently unavailable. We are working to resolve the issue and apologize for any inconvenience.

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. 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.

Concerned about how a government shutdown may impact you? Call us at 1.800.880.5328 to discuss your needs.

Get a Move On!
Take advantage of our Rate Beat offer and SAVE BIG!

Bring us a quote from another lender and ...

...We'll BEAT That!

With 0.25% off a competitive offer*

Think you scored a good rate? We’re confident we can beat (or match) it.

For example: Decreasing your rate by just 0.25% on a 30-year fixed-rate mortgage could save you around:

  • $55 per month or
  • $671 per year on a $350,000 loan


That’s a savings of $20,134 over the term of the loan-wow!

And give you...

...Unbeatable Service

including your personal mortgage expert

  • From 1st to last payment
  • Loan servicing, always local
  • Easy payments
  • As little as two weeks closing

We'll help you make the best decision on your biggest decision.

Eligible Loans

Traditional Mortgages

First-Time Homebuyer

We can help you realize your dreams, whether it’s buying your first home or your forever home. Our Rate Beat promotion is available for purchase or refinance of first lien mortgages (excluding FHA, VA, and home equity loans). Let us help you find your home today.

Applications must be submitted by September 30, 2024 to qualify for this offer.

Let's Talk!

Questions? No problem. Our Lending Experts are here for you.

Inquiry Form

*Rate Beat promotion is available for purchase and refinance of first lien mortgages (excluding FHA, VA, and home equity loans). Kirtland CU will give 0.25% off the qualified rate quote with a floor of 5.25%. Applications must be submitted by September 30, 2024, to qualify for promotion offer. Subject to credit approval. A quote is defined as a Loan Estimate. The Loan Estimate must be fully completed with a locked rate by the competing lender/financial institution to be considered for promotion offer. Competing Loan Estimate must be dated within 30 days of Kirtland Credit Union loan application. Terms and structure of competing loan (including use of rate buy down points, if applicable) must be comparable to Kirtland Credit Union loan to qualify. Alternative documentation used to show competing terms and rate will not qualify for promotion offer. Once rate is locked, loan must be closed and funded within 60 days for the rate lock to apply to the loan. Purchase transaction can be locked once an executed purchase agreement is received. Kirtland Credit Union reserves the right to deny any request. Kirtland Credit Union will not match origination or closing cost fees. Kirtland Credit Union is an Equal Housing Lender.

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, Mobile, and Telephone Banking will be unavailable on Sunday, December 17 from 12:00-5:00 a.m. MST.