Kirtland CU Online, Mobile, and Telephone Banking will be unavailable on Sunday, December 11 between 12:30 – 7:30 a.m. as we perform system maintenance.

Kirtland CU branches and the Member Contact Center will be closed on Monday, February 20 in observance of Presidents’ Day.

We have engaged FORVIS, LLP (Attn: Jeff Rosno, 1801 California Street , Ste. 2900, Denver, CO 80202) to perform member verifications. Kindly compare the balance of your accounts on your December 2022 statement WITH YOUR RECORDS. If balances do not agree, please address your discrepancies directly to FORVIS, LLP. Include your name, truncated account number, and an explanation of the difference noted.  A reply is not considered necessary unless a difference is noted.

Current Rates

Whether you’re looking for a car, a home, or a great return on a certificate, you’ll find the best rates—and the best service—at Kirtland CU. Here are the current rates for the loan or savings program you’re interested in.

Share Deposit Rates


January 1, 2023 – January 31, 2023

Account TypeBalance Tiers*APY**DR
Share (Savings) Accounts$5-$9990.10%0.10%
Share (Savings) Accounts$1,000+0.10%0.10%
Share Draft (Checking) Accounts$500 to earn dividends0.05%0.05%
Insured Money Management/Individual Retirement AccountsLess than $2,0000.25%0.25%
Insured Money Management/Individual Retirement Accounts$2,000 - $4,9990.40%0.40%
Insured Money Management/Individual Retirement Accounts$5,000 - $24,9990.45%0.45%
Insured Money Management/Individual Retirement Accounts$25,000 - $49,9990.50%0.50%
Insured Money Management/Individual Retirement Accounts$50,000 - $99,9990.55%0.55%
Insured Money Management/Individual Retirement Accounts$100,000+0.65%0.65%

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.

1-day personal loan special

Up to $50K Signature Loan @7.49% APR* with terms up to 60 months

Kirtland CU Online, Mobile, and Telephone Banking will be unavailable on Sunday, December 11 between 12:30 – 7:30 a.m. as we perform system maintenance.