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

Kirtland CU branches and the Member Contact Center will be closed Monday, September 4 in observance of Labor Day.

Stay safe – don’t respond to text messages or mobile alerts from someone you don’t know. >> Learn more

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.

The Wonders of Winter
Personal Loan as low as 8.99% APR*
borrow up to $10,000

Up to $10K Signature Loan @8.99% APR* with terms up to 36 months

Need Extra Money This Holiday Season?

Don’t turn to high-rate store credit cards or costly payday loans to handle holiday expenses. Receive 1% off your approved rate on a personal loan when you borrow for holiday expenses.

Offer available through December 31, 2022


up to $10,000


up to 36 months

Fixed Rate

as low as 8.99% APR*

Check your holiday payments

With a fixed–interest rate as low as 8.99% APR*, your holiday goals could be more affordable than you think. See how much your monthly payment could be with the handy personal loan calculator.

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

Apply for your holiday loan now!


Using a small shorter-term fixed-rate loan is a smarter way to handle holiday expenses.

Fixed-Rate Freedom

Fixed-rate loans mean predictable monthly payments and clear interest charge. Revolving debt (credit cards) continue to accrue interest if you don’t pay off the balance right away.


The average interest rate on a store-only credit card? A whopping 25% APR* That’s high-priced borrowing if you don’t pay off your balance before an introductory rate ends.


Payday loan options charge sky-high interest rates for quick cash. Avoid this option at all costs! A small personal loan a much better financial solution.

Get Started

Three easy ways to start  your application.


Open your account online when it works for you - 24 hours a day, 7 days a week.


Give us a call, and a member service representative will help you get started.

CALL 1-800-880-5328


Drop by any of our convenient branches to to start your application.

* APR=Annual Percentage Rate. Loan and rate subject to approval based on credit worthiness and other factors. I% rate discount valid for qualifying personal loans funded by December 31, 2022. 8.99% APR rate available for A+ credit tier applicants. Valid only on loans up to $10,000 and with a term no greater than 36 months. Restrictions apply. See a representative for complete details. 

Calculator: Displayed rates, terms, and calculations are estimations only. Varying rates and terms are available based on credit worthiness and other factors.

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