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 Thursday, November 23 in observance of Thanksgiving.

Don’t let fraudsters steal your holiday cheer! Check out these scams to avoid and tips to follow for a happy holiday season. >> Learn more

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.

Share Deposit Rates


December 1, 2023 – December 31, 2023

Account TypeBalance Tiers*APY**DR
Share (Savings) Accounts1$5-$9990.10%0.10%
Share (Savings) Accounts1$1,000+0.10%0.10%
Share Draft (Checking) Accounts2$500 to earn dividends0.05%0.05%
Insured Money Management/Individual Retirement Accounts3Less than $2,0001.00%1.00%
Insured Money Management/Individual Retirement Accounts3$2,000 - $4,9991.11%1.10%
Insured Money Management/Individual Retirement Accounts3$5,000 - $24,9991.11%1.10%
Insured Money Management/Individual Retirement Accounts3$25,000 - $49,9991.21%1.20%
Insured Money Management/Individual Retirement Accounts3$50,000 - $99,9991.26%1.25%
Insured Money Management/Individual Retirement Accounts3$100,000+2.02%2.00%


  1. Includes Main Share, Additional Share, Business Share and Youth Shares (Joey Club, Koala Club, Club FIT)
  2. Includes Military, Freedom-Plus, e-Checking, DBA, Business, Organizational and Youth checking accounts
  3. Refers to our IRA Contributory Accounts

Trying to save? Find out which savings options are right for you.

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.

*APY = Annual Percentage Yield. **DR = Dividend Rate. Your deposit accounts are federally insured to at least $250,000 by the NCUA. 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.

Online and Mobile Banking will be intermittently unavailable on Sunday, November 19, between 12:00-6:00 a.m. MST.