Due to scheduled maintenance, Online Banking, Mobile Banking, and Tellerphone systems will be intermittently unavailable on Sunday, October 24 between 12:00am and 5:00am MDT.

Time for a better fit?
Home loans aren't one-size-fits-all. If it's time to upgrade your space, get a loan that fits!
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shop holiday smart
Follow these holiday shopping dos and don’ts to get the most out of this year’s shopping adventures!
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retirement goals
What are your retirement goals? Do you have a plan to get there? Kirtland Financial Services specializes in helping future retirees plan their own path to the retirement. Make an appointment today!
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How low can you go?
Not all credit cards are created equal. A card with a low interest rate AND cash back? And with ZERO annual fees or balance transfer fees? Let’s get you signed up for the Independence Credit Card!
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What's Your Goal?

Our products and personal service can get you there.


With competitive rates and unbeatable service, we can help you drive away in the vehicle you want with payments you can live with.


Choose from a wide variety of mortgage programs and partner with a team of friendly and knowledgeable mortgage experts.


Turn the value in your home into cash you can use for home improvements, upgrades, and more!

i need to plan for retirement

Investing for retirement starts with Kirtland Financial Services. Talk to an advisor today and start walking the path to a confident future.

News. Events. Tips. Read the latest at the Insighter Blog!

This is Banking Made Easy

Save time and money with these FREE tools from Kirtland FCU. Because banking should be easy!

Online Banking & Bill Pay

Bank in your jammies, if you want to. Your secure Online Banking account gives you 24/7 access—pay bills, schedule transfers, and more.

Mobile Banking

Wherever you are, we’re there too. Our free, secure Apple and Android banking apps put you in control of your money. Anytime, anywhere.


Sign up to receive your monthly statements conveniently in Online Banking, faster than traditional paper statements.


It’s a dangerous world out there for your money. That’s why we employ the best technology to monitor your accounts and protect you from fraud and theft.

30,000 Nationwide ATMs

With 30,000 ATMs in the CU Anytime and CO-OP Network, you’re always close to your money.

The Independence Debit Card

This little red card is backed by the go-anywhere, buy-anything power of Visa and offers you exclusive Purchase Rewards in your Online Banking account.

Happy international credit union day

October 21, 2021 marks International Credit Union Day, a day to celebrate the dedication of an industry to people helping people. Since 1958, Kirtland FCU has been proud to serve our community and help our members achieve financial wellness. Thank you!