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

Mobile Check Deposit is Temporarily Unavailable. We apologize for the inconvenience.

All Kirtland CU branches and locations will be closed on Friday, June 19 in observance of Juneteenth.

If you may experience financial hardship related to the government shutdown, we’re here to help. Contact us at 1.800.880.5328 for assistance, and click here to see how we are standing with you.

If you are experiencing financial hardship related to the government shutdown, we’re here to help. Click here to see how we are standing with you.

Use caution if you receive a call, email, or text message that appears to be from Kirtland Credit Union. Don’t click on links or call phone numbers in unsolicited messages. Remember: We will NEVER ask for your online banking access codes, credentials or for you to transfer money.

Chat Temporarily Unavailable: We’re currently experiencing issues with our chat service in Digital Banking. For immediate assistance, please call us or visit your nearest branch. We apologize for the inconvenience.

the local mortgage leader
Local payments, local service, big-time buying power. This is Kirtland FCU.
Start Your Application

Welcome to Kirtland FCU
Your Premier Mortgage Lender

Master of mortgages. Hero of home buying. Leader of home-loans! Kirtland FCU can help superpower your home-buying with every major mortgage program and ALWAYS local service—you’ll never send a payment out of state. Welcome home!

buy

Choose from a wide variety of mortgage program options to fit your goals, whether you're buying your first home or vacation home.

Build

It’s your dream. Build it from the ground up with a construction loan.

Refinance

Save money every. Month with a lower interest rate when you refinance your existing mortgage with Kirtland FCU.

A Loan Made Just For You

With your choice of every popular mortgage program, you’ll find the loan you need with the benefits you deserve.

Zero Hidden Fees

Best Rate, No Points

Local Financing & Payments

Local Service & Expertise

Fixed and Adjustable Rate Mortgages

VA Mortgages

First-Time Homebuyer Program

Jumbo and Second Mortgages

We’re MORE Than Military!

Kirtland FCU is the home-loan leader in Albuquerque and beyond. You don’t need to be a member to start an application—if you’re buying in New Mexico, we’re ready to help you achieve home ownership. We’re for life!

Need a little help making your down payment? Jump Start may be able to help!

Your New Home Is At Your Fingertips

With low interest rates, local financing, and anywhere payments, Kirtland FCU is New Mexico’s premier mortgage lender. Use our handy loan calculator to see where a mortgage would fit into your budget.


Once you’ve generated the estimate, click Save or Apply Now to send us your information. A member service representative will follow up to answer any questions or get you started.

News. Events. Tips. Read the latest at the Insighter Blog!

Get Started Today

Your home is waiting, and you don’t even have to be a member to get started. So, let’s move!

Click

Apply online when it’s convenient for you.

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.

Kirtland Federal Credit Union is an equal housing lender. Financing available for properties in New Mexico only. Loan subject to credit approval. As with all lending services, full disclosures, terms, and conditions will be supplied with your mortgage or home equity papers. FHA and VA mortgages are not available for condominiums, manufactured homes or investment properties. Membership eligibility required. Kirtland FCU 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.

Drive Down Your Payments

Save 0.50% off our already low auto refinance rates and enjoy 60 days without payments when you apply before May 31, 2026.