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Mobile Check Deposit is Temporarily Unavailable. We apologize for the inconvenience.

Fraud Alert: If you receive a call or text asking to verify a fraudulent transaction, do not respond, call unfamiliar numbers, or click suspicious links. Contact us directly using trusted methods.

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.

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ROUTING NUMBER: 307070050

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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.

See our New Rates

Share Deposit Rates

EFFECTIVE:

July 1, 2025 – July 31, 2025

Account TypeBalance Tiers*APY**DR
Share (Savings) Accounts1$5-$9990.10%0.10%
Share (Savings) Accounts1$1,000+0.10%0.10%
High-Yield Savings Account2$0.01 - $50,0003.20%3.15%
High-Yield Savings Account2$50,001 +0.10%0.10%
Share Draft (Checking) Accounts3$500 to earn dividends0.05%0.05%
Insured Money Management/Individual Retirement Accounts4Less than $2,0001.00%1.00%
Insured Money Management/Individual Retirement Accounts4$2,000 - $4,9991.26%1.25%
Insured Money Management/Individual Retirement Accounts4$5,000 - $24,9991.41%1.40%
Insured Money Management/Individual Retirement Accounts4$25,000 - $49,9991.51%1.50%
Insured Money Management/Individual Retirement Accounts4$50,000 - $99,9991.76%1.75%
Insured Money Management/Individual Retirement Accounts4$100,000+2.02%2.00%

Footnotes:

  1. Includes Main Share, Additional Share, Business Share and Youth Shares (Joey Club, Koala Club, Club FIT)
  2. High-Yield Savings Account must be opened/funded with funds from outside of Kirtland CU
  3. Includes Military, Freedom-Plus, e-Checking, DBA, Business, Organizational and Youth checking accounts
  4. Refers to our IRA Contributory Accounts

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

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Three easy ways to apply.

Online

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

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CALL 1-800-880-5328

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Stop by any of our convenient branches to open your account.

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*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.

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Routing Number: 307070050

6440 Gibson Blvd. SE, Albuquerque, NM 87108

Copyright. Kirtland Federal Credit Union 2025. All rights reserved.

Federally insured by NCUA Equal Opportunity Lender

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