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

Kirtland CU branches and the Member Contact Center will be closed Monday, September 4 in observance of Labor Day.

Stay safe – don’t respond to text messages or mobile alerts from someone you don’t know. >> Learn more

Due to a power outage, our Montgomery Crossings branch is currently closed.

Our other branches remain open to serve your needs, as well as Kirtland CU Online & Mobile Banking.

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.


EFFECTIVE: July 28, 2023

Automobiles & TrucksMaximum Term*As Low As APR
2023-2019Up to 36 mos.8.99%
2023-2019Up to 48 mos.9.09%
2023-201965 mos.9.59%
2023-201975 mos.9.79%
2023-201984 mos.9.89%
2018-201672 mos.10.09%
2015-201360 mos.10.79%
2012-2010Up to 48 mos.11.79%
2009-200436 mos.13.60%
Classic 2003 or older60 mos.9.99%
MotorcyclesMaximum Term*As Low As APR
2023-202160 mos.8.24%
2020 or olderUp to 48 mos.9.24%
Recreational Vehicles and BoatsMaximum Term*As Low As APR
2023-2021180 mos.7.49%
2020 or older120 mos.7.99%

A Kirtland CU vehicle loan can save you money.

Calculate Your Payment

Ready to find your next vehicle?

No need to head to the dealership. You’re already here! Shopping in slippers is more fun, anyway.

Get Started

Three easy ways to apply.


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


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

CALL 1-800-880-5328


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+.” 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 subject to additional underwriting requirements. A member must open and maintain at least one share (savings) account with a minimum balance 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.

Money Movement (P2P & A2A) Services are Temporarily Unavailable.