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.

Jump Start
Your first loan. Your first car. Your first home. These are major financial milestones, and Kirtland FCU believes they’re essential to achieving financial independence. That’s why we created the Jump Start options for our members just reaching these milestones for the first time.


Building your credit doesn’t happen overnight. Start small, work your way up, and you’ll be on your way to financial independence.

Your First Loan

No credit history? No problem! Borrow up to $1,000 with Jump Start Loan, just for first-time borrowers who need to build credit.

Your First Car

Your first car is a big deal but getting approved for a loan with no credit history is tough. Jump Start Auto can help.

Your First Home

It’s time to take the jump from renter to owner! Jump Start Home can offer you up to $6,000 toward your down payment on your first home!


Having good credit opens doors at every stage of life! From getting approved for a car or a home to even getting a job. Make sure you’re credit conscious!

Pay on Time

Make your payments by the due date every month for an easy credit boost.

Limit Borrowing

Keep that debt-to-income ratio (how much you owe compared to how much you make) below 35%.

Don't Close Accounts

If it’s not costing you money, leave it open. The age of your accounts matters!

Monitor Your Credit

Check your credit report for free annually at freecreditreport.com.

The More You Know! Read the Insighter Blog for the latest news and Knowledge.

Get Started

Ready to apply for your first personal loan, your first auto loan, or your first home loan? Apply instantly!

Jump Start Loan

Apply for your first personal loan now!

Jump Start Auto

Apply for your first-time auto loan now!

Jump Start Home

Apply for your first home loan now!

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.