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

Our 2024 Annual Meeting will be held on Tuesday, March 26 at 5:00 p.m. >> Click to learn more

Kirtland CU branches and the Member Contact Center will be closed on Monday, February 19 in observance of Presidents’ Day.

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.

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.

Current Rates

Whether you’re looking for a car, a home, or a great return on a certificate, you’ll find the best  service—at Kirtland CU.
Here are the current rates for the loan or savings program you’re interested in.

We just raised our savings rates and want you to rise above the rest!

If you're looking for a great return on a share certificate, you’ll find the best rates and service at Kirtland CU.

VISA PLATINUM RATES

EFFECTIVE: March 1, 2024

Card Type1As Low As APR2Credit Tier APR Range
Cash Rebate13.50%13.50% - 18.00%
CU Rewards11.50%11.50% - 18.00%
Low Rate Option11.00%11.00% - 17.75%

The Independence Credit Card can save you money.

Calculate Your Payment

Get Started

Three easy ways to apply.

Online

Apply online right now, or tomorrow night. Or whenever it’s convenient for you!

Call

Give us a call, and a member service representative will help you get started.

CALL 1-800-880-5328

Visit

Stop by any of our convenient branches to open your account.

1. The Kirtland CU Visa Platinum Card has a variable interest rate which is indexed to the Prime Rate and tiered based on credit-worthiness criteria. A margin (based on credit-worthiness criteria) is added to the index to determine the interest rate. The annual percentage rate can change quarterly, based on changes to the index, and annually, based on changes to the credit-worthiness criteria. Index Value: July 28, 2023 through March 31, 2024 (Wall Street Journal Prime Rate as of July 26, 2023) = 8.50%. A margin is added to this index value to determine your interest rate.

2. APR = Annual Percentage Rate and can change at any time without notice. The “As Low as APR” is the interest rate that an “A+” credit-tier member would receive. A margin will be added to this rate for members whose credit score places them in a credit tier other than “A+.” Other special discounts may not be combined. Speak with a representative to determine the interest rate you will receive based on credit and other factors. All loans subject to additional underwriting requirements.

See the Kirtland CU Guide To Card BenefitsCredit Card AgreementDisclosure for more information. A Main Share (savings account) is required for membership at Kirtland CU with a $25 minimum balance and must be established before any other account may be opened. Account triggered fees and charges that may be assessed against your account are disclosed in the Fee Schedule. For complete details, refer to the Truth-In-Savings Disclosure. Membership eligibility required. Kirtland CU 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.

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.