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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.

Why Should I Use a Digital Wallet?

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You’re in line at the grocery store, doing some weekend shopping, or getting ready to fill up your gas tank – but you realize you forgot your credit card at home. You have your smartphone, of course – you never go anywhere without it – but that doesn’t do you much good when you need to pay the cashier… unless you have a digital wallet set up.

What is a digital wallet? It’s an application where you can store digital copies of your debit cards (hello Kirtland CU Debit Rewards!), credit cards (hello 1.5% cash back on the Kirtland CU VISA® card!), gift cards, and membership/loyalty cards to use without needing the physical cards on hand. If you have an Apple device or Android device, you may already be familiar with Apple Pay, Google Pay, or Samsung Pay – these are all different variations of digital wallets.

To get started using a digital wallet, you’ll need to add your cards to your device. Apple, Google, and Samsung have detailed instructions for how to do this for each of their applications – click the links below to get started:


Once you’ve added cards to your wallet, you can use the application to make payments online or at retailers that accept digital transactions – but how do you know which retailers support digital transactions?

Look for the NFC symbol or logos for the digital wallet of your choice at the cashier’s station – in most cases today, if you can use a contactless (tap-to-pay) credit or debit card, you can use a digital wallet without issue.

Digital wallets offer incredible convenience for both online and in-person shopping – but they are also safer than using traditional cards. How? Digital wallets require your device password or biometric credentials to be unlocked, your digital copies are safe in hand – and when you do make a transaction with a digital wallet, it is encrypted and tokenized, meaning that none of your actual card or account numbers are stored in the digital wallet.

When encryption and tokenization are used together, your information is useless and unreadable to fraudsters – so even if a retailer you shopped at is hacked, your personal payment information will remain protected.

Digital wallets also allow you to easily send and receive money to people – some digital wallets like Venmo and Google Pay even offer ways to split bills. No more reaching for a calculator to tally up who owes what amongst friends!

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.