If you have been impacted by the recent New Mexico wildfires, we have options to help. Call 1 (800) 880-5328 to learn more.

Kirtland FCU branches and the Member Contact Center will be closed Monday, May 30 in observance of Memorial Day.

Get Home Summer Ready!
Spring into summer with a new space, a new kitchen, a new roof, a new patio, pool—a whole new outlook! We’ve got the tools you need to get it done.

The Right Tool For The Job

There are a lot of ways to finance a fun summer project—big or small. Which one is right for you?

Home Equity

If you own your home, a home equity loan could be in your future. Borrow against the value in your home to fund any larger project with NO CLOSING COSTS.

Personal Loan

A signature loan is a great way to handle project expenses. Borrow up to $50,000 with a low fixed-interest rate!

Credit Card

Just need a splash of paint, a few new kitchen appliances? The Independence Credit card can make it happen. Plus, you could earn 1.5% cash back with cash back rewards!

Home Improvement Solutions For

A new kitchen

An extra bathroom

A new deck

Upgraded flooring

New cabinets

Fresh paint and trim


And more!

Calculate Your Payments

Whether you want to tap into your home’s equity or need a collateral-free signature loan, see where your loan will fit into your budget

Signature Loan Calculator

Home Equity Calculator


Ready to secure the cash you need to get your home summer ready? Apply online now!

Home EQuity

Personal Loan

Credit Card

Kirtland Federal Credit Union is an equal housing lender. Financing available for properties in New Mexico only. Loan subject to credit approval and based on equity in home. Closing costs may vary based on transaction. Home equity loans and lines of credit are limited to 90% loan-to-value and $200,000; actual savings based on transaction amount. Special restrictions may apply; contact a representative for complete details. Credit card cash-back rewards requires selection of the cash-back rewards program upon approval of the Independence Credit card. Personal loans and credit card subject to credit approval. See a representative for complete details. Financially insured by NCUA.

9-month certificate

Build your savings securely with as little as $500. Limited Time Offer.

Kirtland FCU will be performing system maintenance on Saturday, April 23 & Sunday, April 24, between 9:00pm–7:00am MDT.

Online, Mobile, and Telephone Banking will be intermittently unavailable during this period. Click here for complete details.