Kirtland FCU branches will be closed Thursday, November 25 in observance of Thanksgiving.

credit cards
From everyday purchases to fun vacations, the Independence Credit Card has you covered.
learn about the independence credit card
home loans
Whether a purchase or refinance, Kirtland FCU home loan options get you in the door.
Find a Mortgage
vehicle loans
Drive happy with these low-rate vehicle loans.
explore auto loans
home equity
Put your home’s value to work for you.
Access Your Home's Equity
personal loans
Build smart credit with a loan or line of credit.
explore personal loans

Borrowing Options

Your greatest sources of financial independence are “smart debt”: your car, your home, and your credit. We can help you reach them.

Credit Cards

The Independence Credit Card offers a low interest rate and a choice of three programs you’ll actually use. This is the last credit card you’ll ever need.

Auto Loans

Shopping for your next car, truck, motorcycle, RV, boat, or aircraft? If you can dream it, we can finance it. Get pre-approved before you shop to save even more.

Mortgage Loans

If you’re thinking of purchasing a new home, our home loan solutions help you get it done.

Personal Loans

Handle any project or expense with a personal loan, and enjoy local service, local payments, and local experts.

Make A Payment

Three ways to make a payment.

Click

Make a payment online when it works for you in Online Banking - 24 hours a day, 7 days a week.

Call

Make a payment 24 hours a day using the TellerPhone system.
CALL 1-800-880-8277

Or member service representatives are available to assist you six days a week.
CALL 1-800-880-5328

Visit

Stop by any of our convenient branches to make a payment.

Kirtland Federal Credit Union is an Equal Housing Lender. All loan program issuances are subject to credit worthiness and are not guaranteed. 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.

give to st. jude

Kirtland FCU is proud to partner with 92.3 KRST this December to benefit St. Jude Children’s Hospital’s support, treatment, research of childhood cancer.

Food Drive | December 1-23
Donate non-perishable food items at any branch! Donations benefit the food pantry of the Kirtland AFB Airmen and Family Readiness Center.