ROUTING NUMBER: 307070050
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.
Here are the current rates for the loan or savings program you’re interested in.
A little brew,
a little home loan,
and a whole lot of fun!
Wednesday, October 26 • 5:30–7:30 p.m.
CONSUMER LOAN RATES
EFFECTIVE: January 1, 2026
| Home Equity Loan | Maximum Term | *As Low As APR |
|---|---|---|
| Up to 80% LTV | 120 mos. | 7.00% |
| 80.01% to 90% LTV | 120 mos. | 7.50% |
| Up to 80% LTV | 180 mos. | 7.25% |
| 80.01% to 90% LTV | 180 mos. | 7.75% |
Put your home’s value to work for you.
See how a home equity loan fits into your budget.
| Home Equity Line of Credit | Term | *As Low As APR |
|---|---|---|
| Up to 80% LTV | 10 year draw; 20 year payment period | 7.25% |
| 80.01% to 90% LTV | 10 year draw; 20 year payment period | 7.25% |
Thinking of tapping into your home’s equity?
See how a home equity line of credit fits into your budget.
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.
*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+.” Most Consumer Loans are Tier-Priced by credit score; the interest rate you receive will be based on your credit history and other factors. Other special discounts may not be combined. Financing available for properties in New Mexico only. Loans subject to credit approval and based on equity in home. Closing costs may vary based on transaction. Actual savings based on transaction amount. Home Equity loans are limited to 90% primary and secondary residence; $10,000 minimum. Home Equity lines of credit are limited to 90% primary and secondary residence; 80% investment property; $10,000 minimum. As with all lending services, full disclosures, terms, and conditions will be supplied with your mortgage or home equity disclosures. 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. Special restrictions may apply. Contact us for complete details.