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

All Kirtland CU branches and locations will be closed on Monday, February 17 in observance of Presidents’ Day.

Use caution if you receive a call, email, or text message that appears to be from Kirtland Credit Union. Don’t click on links or call phone numbers in unsolicited messages. Remember: We will NEVER ask for your online banking access codes, credentials or for you to transfer money.

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.

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: February 1, 2025

Home Equity LoanMaximum Term*As Low As APR
Up to 80% LTV120 mos.6.75%
80.01% to 90% LTV120 mos.7.25%
Up to 80% LTV180 mos.7.00%
80.01% to 90% LTV180 mos.7.50%

Put your home’s value to work for you.

See how a home equity loan fits into your budget.

Home Equity Line of CreditTerm*As Low As APR
Up to 80% LTV10 year draw; 20 year payment period7.50%
80.01% to 90% LTV10 year draw; 20 year payment period7.50%

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.

Fraud Awareness & Prevention

Have questions about fraud, scams, or identity theft? We have FAQs, resources, and more to help, all in one place.

Online and Mobile Banking are currently experiencing technical difficulties and may be intermittently unavailable. We apologize for any inconvenience this causes our members.