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

All Kirtland CU branches and locations will be closed on Thursday, July 4 in observance of Independence Day.

Due to a global tech outage, the processing of some services may be impacted today, Friday, July 19.

We are working quickly to restore service, and we appreciate your patience.

Our TellerPhone service is experiencing intermittent issues.  We are working diligently to resolve. Please use our Online and Mobile banking services. We apologize for any inconvenience.

Phishing scams are on the rise – don’t get caught! Learn how to spot scams and more at our Fraud Awareness and Prevention Center.

If you have been financially impacted by the wildfires and floods in the Ruidoso area, we have options available to help. Call us at 1-800-880-5328 to learn more.

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


July 1, 2024 – July 31, 2024

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 - $4,9991.26%1.25%
Insured Money Management/Individual Retirement Accounts3$5,000 - $24,9991.41%1.40%
Insured Money Management/Individual Retirement Accounts3$25,000 - $49,9991.51%1.50%
Insured Money Management/Individual Retirement Accounts3$50,000 - $99,9991.76%1.75%
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 unavailable on Thursday, May 9 from 10:00 p.m. to 6:00 a.m. Friday, May 10.