Due to scheduled system maintenance, Online Banking, Mobile Banking, and Telephone Banking will be unavailable on Sunday, August 14 from 12:00 a.m. to 6:00 a.m.

If you have been impacted by Hurricane Ian, we are here to help. Contact us at 800.880.5328 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 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


October 1, 2022 – October 31, 2022

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 - $4,9990.25%0.25%
Insured Money Management/Individual Retirement Accounts$5,000 - $24,9990.35%0.35%
Insured Money Management/Individual Retirement Accounts$25,000 - $49,9990.40%0.40%
Insured Money Management/Individual Retirement Accounts$50,000 - $99,9990.45%0.45%
Insured Money Management/Individual Retirement Accounts$100,000+0.50%0.50%

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.

Make Road-Trip Memories

Get a new set of wheels at Rich Ford. Now through August 31, Rich Ford will give you $500 off.

Kirtland CU branches and the Member Contact Center will be closed Monday, September 5 in observance of Labor Day.