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

Signature Loans
If you need funds for a vacation, a project, or need to consolidate debt, a signature loan from Kirtland FCU may be the solution you need.
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Lines of Credit
A personal line of credit is perfect for handling any recurring or unexpected expenses. Your line of credit can even provide Overdraft Protection for your Kirtland FCU checking account.
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Military Loans
Kirtland FCU offers several loan programs exclusively for the men and women of our U.S. armed forces.
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Secured Loans
Secure your loan with your savings account or certificates for your lowest possible rate. It’s a great way to build credit, and it allows you to access and use your savings funds without liquidating them.
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Personal Loan Programs

Borrow what you need, make your payments and manage your account online any time, day or night, and get back to life. It’s worry-free borrowing.

Personal Lines of Credit

A personal line of credit is a fantastic way to handle any unexpected expenses. Once your line is established, borrow what you need, when you need it. Your line of credit can also be selected to cover you in the event of an overdraft from your checking account, saving you money.

Start-Up Loan

Military members, if you’re working to establish a credit history, the Start-Up Loan is made for you. Borrow up to $1,000 with no collateral, no cosigner, and terms up to 18 months. Just provide a copy of your LES to qualify.

Signature Loan

Get the funds you need for any expense with a signature loan from Kirtland FCU. Consolidate other debt or pay for a vacation—anything. Enjoy competitive rates and terms up to 60 months, along with the friendly service and account management tools that you expect.

Deployment Loan

There’s no greater sacrifice than fighting for your country. If you’re preparing to deploy, the Deployment Loan offers you the opportunity to borrow up to $1,000 for a maximum 12-month term at a low rate. Your first payment may even be deferred up to 60 days.

Secure Loan

Access the money you already have in a savings account or a certificate without liquidating the account—you’ll continue to earn interest. It’s like having your money and spending it, too!

Snow Me The Money

Need cash for the holidays?

Borrow up to $3,000 for holiday expenses with a rate as low as 7.99% APR*, now through December 31, 2021.

See how a loan would fit into your budget.

Get Started

Three easy ways to open your account.


Apply online right now, or tomorrow night. Or whenever it’s convenient for you!


Give us a call, and a member service representative will help you get started.

CALL 1-800-880-5328


Stop by any of our convenient branches to open your account.

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. Usual credit criteria apply. Startup & Deployment are for active duty military only. Different rates apply to different loans and depend upon terms. See a representative for complete details.

*APR=Annual Percentage Rate. Loan and rate subject to approval based on credit worthiness and other factors. I% rate discount valid for qualifying personal loans funded by December 31, 2021. 7.99% APR rate available for A+ credit tier applicants. Valid only on loans up to $3,000 and with a term no greater than 36 months. Restrictions apply. 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.