Due to scheduled system maintenance, Online and Mobile Banking will be intermittently unavailable on Saturday, July 23 from 8:00 p.m. to 8:00 a.m. Sunday, July 24. 

Kirtland FCU branches and the Member Contact Center will be closed Monday, July 4 in observance of Independence Day.

You Belong

We empower the financial independence of people and families throughout Albuquerque and beyond.

Banking Without The Bank
Kirtland FCU isn’t a bank. Big, impersonal, for-profit—that’s not us. Like all credit unions, we’re a not-for-profit financial cooperative. We’re dedicated to empowering the financial independence of members who are largely ignored by or lost in the crowd at the big banks.
Full-Service Banking
You might think that with our level of dedication, our services would be limited. At Kirtland FCU, you’ll find everything you could want from a financial institution—checking, savings, investing, loans, mortgages, and more, all backed by the latest technology and accessibility.
Dedicated To Community
Our middle name could be “Local”. With branches in Albuquerque and on Kirtland AFB, Kirtland FCU is a true community partner. Our employees live and work alongside you, so we’re especially dedicated to supporting school, charities, and community programs.

Empowering Members’ Financial Independence

Every tool we offer is designed to simplify your life by eliminating the financial stress in your life and empowering you to take control and save and borrow smarter.

State Of The Credit Union

The Kirtland FCU Mission – Why We Exist
To exceed the financial expectations of our members—principally those in the military and organizations who support the defense of our nation. At Kirtland FCU, our field of membership is top of mind. A large portion of that mission is to support those who defend our country, and we’re proud to partner in the financial success of these very special individuals.
The Kirtland FCU Vision - Who We Want To Be
To be recognized by our members as their most trusted financial partner. We will continue to grow and adapt to changes in our membership, marketplace, and environment. Trust is earned. As a not-for-profit financial cooperative, Kirtland FCU is able to truly empower our members’ financial independence, even as the financial world around them becomes more difficult to navigate. We’re working to ease our members worries and help them build for the future.

We’re dedicated to serving our community with the best financial products and solutions.

Kirtland FCU Core Values


We strive to be an institution you can trust with your finances.​


We’ll treat you with dignity and unparalleled friendliness.


When we say we’ll do something, we do it.


Your interests are always top of mind.​


We promise to always treat you with compassion and understanding.


We’re dedicated to making our community a better place.

Financial knowledge, the latest news and events, and important fraud and scam tips—it's Kirtland FCU Insighter Blog!

Join Now

Three easy ways to join.


Apply for membership 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


Stop by any of our convenient branches to join.

Membership eligibility required. Kirtland FCU welcomes veteran, active-duty, and retired members of all branches of the U.S. military, including NM National Guard and Reserve, who have ever been served by KAFB; contractors, employees, and retirees of businesses who work on or with KAFB under contract with the U.S. Government; members and employees of partner organizations throughout Albuquerque; and family members of eligible or existing members. See a representative for complete details.

Make Road-Trip Memories

Get a new set of wheels at Rich Ford. Now through August 31, Rich Ford will give you $500 off.

Due to scheduled system maintenance, Online and Mobile Banking will be intermittently unavailable on Saturday, July 23 from 8:00 p.m. to 8:00 a.m. Sunday, July 24. 

Click here for complete details.