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

Kirtland FCU branches and the Member Contact Center will be closed Monday, May 29 in observance of Memorial Day.

Borrow Confident
Anyone can take
advantage of this offer

Bring us a quote from another lender and ...

...We'll BEAT That!

With 0.50% 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 0.50% on a 30-year fixed-rate mortgage could save you around:

  • $97 per month or
  • $1,164 per year on a $300,000 loan


That’s a savings of $34,920 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 provide “common-sense lending” options to fit your unique loan needs.

Eligible Loans

Traditional Mortgages

First-Time Homebuyer

Let our local mortgage experts assist you in purchasing the home of your dreams, whether you’re buying your first home or a vacation home. This promotion is available for the purchase or refinance of first lien mortgages (excluding FHA, VA, and home equity loans). Start on your homebuying journey today.

Applications must be submitted by 9.30.2023, 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 quote with a floor of 5%. Applications must be submitted by September 30, 2023, 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.

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