Current Rates

*APR = Annual Percentage Rate; can change at any time without notice. The “As Low as APR” is the interest rate 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. Most Consumer Loans are tier-priced by credit score. The interest rate you receive will be based on your credit history and other factors. Speak with a representative to determine the interest rate you will receive. All loans are subject to additional underwriting requirements. Membership eligibility required. **Your membership must also be in good standing, as follows, and all must be met to qualify for our Member Preferred Rate (0.50% discount) for auto loans: Must be current on existing debt (no loans past due), must have minimum par share in Main Share account ($5 per person), no accounts in the negative, and no outstanding fees owed to the credit union. For complete account details, refer to the Truth-In-Savings Disclosure and fee schedule. 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. Speak with a representative for complete details.