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

The great payment freeze
Who doesn’t need a little more cash around the holiday? Defer your November or December payment on qualifying loans!

More Holiday Funds

Presents, vacations, parties, decorations—the holidays can put the squeeze on any budget. Put your loan payments on ice, and free up some holiday funds for holiday fun!

Defer as many eligible loans as you’d like. ($25 per skip)

Defer your November or December payment

(The hardest part) Decide how to spend your extra cash this holiday season!

What Could Be Eligible?

Auto Loans

Personal Loans

Boat/RV Loans

What's Not Eligible?

Mortgage Loans

Home Equity Loans


Credit Cards

Start your application


Contact us at least 5 days before your payment due date.


Log in to Online or Mobile Banking, click “Additional Services” and choose “Secure Messaging”. Simply open the application, fill it out, and submit!


Representatives are ready to get your Deferred Payment scheduled six days a week.

CALL 1-800-880-5328


Print your form, fill it out, and drop it by any branch location.

For each eligible loan, you may defer one payment. The entire form must be filled out completely, signed and returned to any Kirtland FCU branch or submitted via Secure E-mail inside Online Banking. First mortgage loans, home equity loans, home equity lines of credit, credit cards, lines of credit, Fresh Start loans and loans originated after September 1, 2021 are NOT eligible for the Payment Deferral Program. Your membership must also be in good standing to be eligible. If approved, your regular monthly payments will resume immediately following the month you indicate on the request form. Loan(s) must be current at time of Payment Deferral. Deferring payments can affect payment protection and GAP coverage. See your agreement for details.

All Eligible Loans: Kirtland FCU will add a $25 processing charge (per loan) to the principal loan balance and advance your loan due date by one month.  This may extend the maturity date of your loan. Interest will continue to accrue on the unpaid principal balance and when payments resume, the unpaid interest will be collected first.

You also acknowledge that this request does not change your legal obligation to the Credit Union, that your agreement with the Credit Union provides for regular monthly payments and the Credit Union is merely informally permitting you to defer payment for the month indicated. The processing fee is non-refundable and constitutes a payment deferral request. For automatic loan payment deductions, this payment deferral will affect one month of deductions. If you have automatic payments or an auto transfer, whether through Kirtland FCU or an outside source, or another financial institution, you are responsible for suspending your payments for any deferred loans and resuming them before the next payment is due.   

Log into online banking or call 1-800-880-5328 for assistance with altering a Kirtland FCU automatic payment. 10-2021.

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.