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.

It takes some talented people to captain a credit union. These are the teams that are dedicated to making sure Kirtland Federal Credit Union serves our members with excellence.

Meet the board of directors

Matt Nixon


Mark Neice

Vice Chair

Cheryl Frost


Lyn Kirkwood


Kim Fitzgerald


Terry Franks


Brian McDonald


2022 Nominations have been announced

Kirtland Federal Credit Union Board of Directors Nominations


Deadline: November 27, 2021

As a member-owned cooperative, the credit union is guided by a volunteer Board of Directors elected from the membership. Each year, a Nominating Committee is appointed to consider the nomination of incumbents and/or other members to fill expiring terms. This year there are 3 board positions up for election each consisting of a 3-year term. Any member in good standing with Kirtland Federal Credit Union and 18 years of age or older is eligible to serve.

If you are interested in being considered by the Nominating Committee, please submit a letter of interest and qualifications to:

Frances Phillips, Executive Assistant

Supervisory Committee

Michelle Kesler


Art Gottlieb


Sharon McMahan


Maria Weddige-Gurney


Lugene FrazIer


Michelle Perea


The primary function of the Supervisory Committee is to:


Direct internal audit activities designed to verify credit union records are prepared accurately


Verify whether internal controls, policies and procedures are maintained and followed


Monitor performance to ensure that elected officials are carrying out the duties for which they are responsible.

How can we improve? Send your concerns to the Supervisory Committee.

executive leadership team

Rarden, Matt_518A6108_retouched

“The credit union philosophy of people helping people is alive and well here at Kirtland FCU, and we want to expand that to everyone in the communities we serve and are a part of.”

Matt Rarden

President and CEO

Mr. Rarden joins Kirtland FCU after serving as Chief Operating Officer at Premier Members Credit Union in Boulder, CO since 2014. Prior to leading operations at PMCU, Mr. Rarden worked with Fortune 100 company IBM and Fortune 500 companies Convergys and Wells Fargo. He also has extensive experience serving on Premier Members Credit Union’s Board of Directors.

New Mexico was a draw for Mr. Rarden, whose home state of Colorado has a lot in common with its southern neighbor. But there are key differences that presented an allure for Kirtland FCU’s new leader.

Sharlene EAst

Executive Vice President and COO

Alex Mendes

Chief Administrative Officer

Tina Andrews

Chief Financial Officer

Sarah Horten

Chief Lending Officer

George Walker

Chief Information Officer

Todd Trevino

Sr. Vice President Kirtland Financial Services

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.

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.

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.