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 Monday, May 26 in observance of Memorial Day.

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.

If you may experience financial hardship related to the government shutdown, we’re here to help. Call 1.800.880.5328 or visit one of our branch locations for more information.

Due to technical difficulties, Kirtland CU branches, other than Gibson, are temporarily unable to provide in-branch services,  Online and Mobile Banking remain available for your banking needs. We apologize for any inconvenience.

We're Invested

Retirement, investments, financial planning for every stage of life—learn about it all here at Invested,
a blog from your Wealth Management Advisors at Kirtland Financial Services.

Three Ways To Boost Your Retirement Savings

By Kirtland Financial Services

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As Americans, we can take pride in the many things we do well. But there’s one thing that we could all do better— saving for the future. 

If you are already saving for your retirement through your employer-sponsored savings plan, each contribution you make brings you closer to your retirement goal. But are you saving as much as you can? 

Given the uncertainty surrounding the Social Security system, maybe it’s time to rethink your own saving habits. 

  1. Apply a raise or bonus to retirement savings. Boosting your contribution rate with each increase in pay you receive to move you closer to the maximum contribution allowed by your employer—$18,500 to a 401(k) plan (workers age 50 and older may add an additional $6,000 in catch-up contributions, subject to plan limits). 
  2. Cut back household expenses. Small savings can add up. Set up a monthly budget of income and expenses to help you find ways to cut back more. 
  3. Forgo a tax refund. If you typically get a tax refund, consider revising your W-4 form to reduce your withholding. Your paycheck will grow, allowing you to increase the amount you save in your employer’s retirement plan. 
 

It really doesn’t matter how you save. The important thing is to build your retirement account in ways that work for you.

The team at Kirtland Financial Services is ready to help you put together a retirement plan that works for you. And your initial consultation is absolutely free!

To access your investment account – click the button below. The login page for LPL will open in a new window.

If you have access issues, CONTACT KIRTLAND FINANCIAL SERVICES.

Digital Banking Upgrade Coming May 20, 2025

Improving your online banking and mobile experience.