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ROUTING NUMBER: 307070050
The Savings Family
Choose an account with the features you need to make your money work for you. Earn dividends monthly and pay $0 monthly maintenance fees on these accounts.
Main Savings Account
It all starts here. Achieve financial independence with a nest egg for a rainy day, or save for a specific goal. Open your main savings (share) account with as little as $5.
- Required for all members
- Minimum balance is $5
additional savings accounts
If one savings account is great, two are even better. Enjoy all the same perks as you do with your main savings account—it’s just another option for you to structure your finances how it works best for you.
- $10 to Open
- Minimum balance is $5
imma
An Insured Money Management Account is a premium savings account that offers a higher yield than the traditional savings account—save faster, earn faster. You can also write checks and pay bills out of your IMMA.
- $10 to Open
- Minimum balance is $0
compare accounts
Financial Workshops & Educational Resources
Financial Wellness Center
We have developed a Financial Wellness Center, in partnership with MoneyEdu, to offer online courses, a full article library, and personal credit counseling agents that can meet with you on your time.
Introduction to Budgeting
Why budgeting is important, no matter how much money you earn. Topics include:
- How daily spending decisions can have a big overall impact on your money.
- How a budget helps to ensure that you are spending money on what matters to you.
- How to make a budget.
Youth Savings Accounts
Bring baby home from the hospital: check. Pick an adorable name: check.
Get them started on the path to financial independence: check!
| Account | Age | Description |
|---|---|---|
| Joey Account | 4 and younger | Kids earn a fun prize with each in-person deposit they make to their account. |
| Koala Club | 5-12 | Kids receive stamps for their deposits and earn free movie tickets, stuffed animals, or gift cards. |
| Club F.I.T (Financially Independent Teens) | 13-17 | Teens continue to earn prizes for filling up their stamp cards and can earn additional stamps for good grades, attending learning events, and their birth month. |
| Stamp Card Filled Up? | Fill out the Prize Redemption Form now. |
The Details:
- Open with as little as $5
- Minimum balance is $5
- No monthly maintenance fees
- Enjoy free Online and Mobile Banking so you can keep tabs on the account.
- Youth savings accounts earn interest, the same as any other traditional savings account.
Ready to Start?
Which Account is for me?
All of our savings accounts are excellent—choose the one with the features you’ll need to reach your goals.
| Features | Main Savings | Additional Savings | IMMA | Youth Savings |
|---|---|---|---|---|
| Minimum Balance | $5 | $5 | $0 | $5 |
| Open With | $5 | $10 | $10 | $5 |
| Monthly Fee | $0 | $0 | $0 | $0 |
| Earn Dividends | X | X | X | X |
| 24/7 Online Banking | X | X | X | X |
| Anywhere Mobile Banking & Mobile Check Deposit | X | X | X | X |
| Real-Time Fraud Alerts | X | X | X | X |
| 30,000 Free ATMs | X | X | X | X |
| May serve as source account for Overdraft Protections* | X | X | X | X |
| Earn Higher Dividends Based on Balance | X | X | X | X |
| Checks and Bill Pay Capability | X | X | X | X |
Get Started
Three easy ways to open your account.
Click
Open your account online when it works for you - 24 hours a day, 7 days a week.
Call
Give us a call, and a member service representative will help you get started.
CALL 1-800-880-5328
Visit
Stop by any of our convenient branches to open your account.
*These accounts may be used as the source of protection for a personal checking account in the case of insufficient funds when a sufficient amount is available in this account and the account has been designated for Overdraft Protection. See complete details here.
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. Your deposit accounts are federally insured to at least $250,000 by the NCUA. Youth Savings accounts are valid through the age of 17. 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
