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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.

Welcome To The Insighter!

Explore the latest happenings at Kirtland CU and learn about important topics from around the financial world. Here’s your insight! To learn about retirements, investments and financial planning, check out Invested now.

The Home Improvement Toolbox

By Annitte Lujan – Vice President, Consumer Loans


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.


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.


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!


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.

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.