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.

Save for a rainy day or get your child started on the path to financial independence— Kirtland CU gives you the right tools and the support you need to achieve your goals.
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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.

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.


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.

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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!

Joey Account4 and youngerKids earn a fun prize with each in-person deposit they make to their account.
Koala Club5-12Kids receive stamps for their deposits and earn free movie tickets, stuffed animals, or gift cards.
Club F.I.T (Financially Independent Teens)13-17Teens 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.

FeaturesMain SavingsAdditional SavingsIMMAYouth Savings
Minimum Balance$5$5$0$5
Open With$5$10$10$5
Monthly Fee$0$0$0$0
Earn DividendsXXXX
24/7 Online BankingXXXX
Anywhere Mobile Banking & Mobile Check DepositXXXX
Real-Time Fraud AlertsXXXX
30,000 Free ATMsXXXX
May serve as source account for Overdraft Protections*XXXX
Earn Higher Dividends Based on BalanceXXXX
Checks and Bill Pay CapabilityXXXX

Get Started

Three easy ways to open your account.


Open your account online when it works for you - 24 hours a day, 7 days a week.


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.

*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

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.