Kirtland CU’s 2023 Annual Membership Meeting will be held Tuesday, March 21 at our Gibson branch at 4:30 p.m. Click here for complete details.

We have engaged FORVIS, LLP (Attn: Jeff Rosno, 1801 California Street , Ste. 2900, Denver, CO 80202) to perform member verifications. Kindly compare the balance of your accounts on your December 2022 statement WITH YOUR RECORDS. If balances do not agree, please address your discrepancies directly to FORVIS, LLP. Include your name, truncated account number, and an explanation of the difference noted.  A reply is not considered necessary unless a difference is noted.

The credit union is experiencing technical difficulties. We greatly appreciate your patience.

ROUTING NUMBER: 307070050

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The Home Improvement Toolbox

By Annitte Lujan – Vice President, Consumer Loans

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It’s heating up, and that means it’s time for home and yard projects!

Creating a new (or improved) space takes some creativity, planning, and yes, a way to pay for it all! You have a lot of options for funding your next big home project.

CREDIT CARDS

A credit card is an obvious choice for quick purchases that you can make now, pay for later! Credit cards offer great flexibility, but make sure you factor in the interest rate before you fund a project with a credit card. Also, if you need to fund a large project, your credit card limit may not be enough.

Best For:

  • Smaller projects
  • Borrowing only what you need, when you need it
  • Paying interest only on what you need

Check out the Independence Visa Credit Card from Kirtland FCU. No annual fees, no balance transfer fees, and a low interest rate, cash back or rewards make this card a great option.

HOME EQUITY

As you pay down your mortgage, you gain equity—value you own that you can borrow against in the form of a home equity loan or line-of-credit. Home equity options are great for larger projects that require a higher amount than you can get with a credit card, and may come with a lower interest rate.

Best For:

  • Larger projects
  • Those who own their own home and have sufficient equity
  • Those who want the option of fixed payments (home equity loans) or revolving credit (home equity line-of-credit)

Learn more about the Kirtland FCU home equity options now!

HOME IMPROVEMENT SIGNATURE LOAN

A signature loan requires no collateral—you aren’t borrowing against your home or other property as you would with a cash-out refinance home loan or a home equity loan or line-of credit.

Now through July 31, 2021, you can get a Kirtland FCU signature loan up to $15,000 with a term up to 60 months and an extra 1.00% off the current rate when you borrow the funds for a home improvement project! With a rate as low as 7.99% APR*, all you have left to do is pick out the paint.

Apply for the home improvement signature loan now!

We’ve got you covered when it comes to financing your big (or little) home projects. Find the right tool for your next home improvement job now!

*APR = Annual Percentage Rate. 7.99% APR rate includes a 1.00% discount and is valid for a 36-month term with an excellent credit rating on loans for home improvement purposes. Actual rate varies based on loan term, credit worthiness, and other factors. 1.00% rate discount available for terms up to 60 months. Promotion ends July 31, 2021. See a representative for complete details.

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Routing Number: 307070050

6440 Gibson Blvd. SE, Albuquerque, NM 87108

Copyright. Kirtland Federal Credit Union 2023. All rights reserved

Federally insured by NCUA Equal Opportunity Lender

THIRD PARTY LINK DISCLOSURE: We may provide links to third party sites, independent from Kirtland Federal Credit Union. These links are provided only as a convenience. Kirtland Federal Credit Union does not manage the operation, content or any links contained inside of the website you are about to enter. The privacy and security policies of the site may differ from those of Kirtland Federal Credit Union.

2023 Annual Meeting

Join us at our 2023 Annual Membership Meeting on Tuesday, March 21 at our Gibson Branch at 4:30 p.m.

Can't be there in person? Register to view online! Click Learn More for more details.

Kirtland CU Online, Mobile, and Telephone Banking will be unavailable on Sunday, December 11 between 12:30 – 7:30 a.m. as we perform system maintenance.

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