ROUTING NUMBER: 307070050
Already have a mortgage quote?
We’re confident we can match or beat it.
With 0.50% off a competitive offer*
For example: Decreasing your rate by just 0.50% on a 30-year fixed-rate mortgage could save you around:
- $113.16 per month or
- $1,357.92 per year on a $350,000 loan
That’s a savings of $40,737.60 over the term of the loan-wow!
And give you...
...Unbeatable Service
Our mortgage loan team will guide you throughout the process.
- 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 December 31, 2025 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 0.50% off the qualified rate quoted with a floor of 5.50%. Kirtland CU will match the origination fee. Applications must be submitted by December 31, 2025, to qualify for the 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 rates will not qualify for the promotion offer. Once the rate is locked, the loan must be closed and funded within 60 days for the rate lock to apply to the loan. The 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 closing cost fees. Kirtland Credit Union is an Equal Housing Lender.
