We are currently experiencing high call volume. We apologize for any inconvenience.

Kirtland FCU branches and the Member Contact Center will be closed Monday, June 20 in observance of Juneteenth.

Home sweet home
Big and beautiful or small and sweet—your home deserves the best loan. Kirtland FCU is Albuquerque’s home loan leader!

April 22nd, 23rd & 24th

April 29th, 30th & May 1st

11:00A.M. to 5:00 P.M.

Proud Sponsor 2022 Parade of Homes

Kirtland FCU is here for you with every major mortgage program for any size dream.


Choose from a wide variety of mortgage program options to fit your goals, whether you're buying your first home or vacation home.


Purchase your land and let your dreams take shape with a land loan. You have three years to start building!


Once you’ve purchased your land, get building with a construction loan!

You Belong!

Credit unions are better than banks (yeah, we said it!) because we’re focused on YOU. We get you! Kirtland FCU is your 505-living, green chile–loving, backyard balloon–gazing financial partner. All we’re missing…is you! With more than 200 ways to qualify for membership, buying a home with Kirtland FCU is easy.

A Loan Made Just For You

With your choice of every popular mortgage program, you’ll find the loan you need with the benefits you deserve.

Zero Hidden Fees

Best Rate, No Points

Local Financing & Payments

Local Service & Expertise

Fixed and Adjustable Rate Mortgages

VA Mortgages

First-Time Homebuyer Program

Jumbo and Second Mortgages

Find today’s rate on all our mortgage and refinance programs.

Your New Home Is At Your Fingertips

With low interest rates, local financing, and anywhere payments, Kirtland FCU is New Mexico’s premier mortgage lender. Use our handy loan calculator to see where a mortgage would fit into your budget.

Once you’ve generated the estimate, click Save or Apply Now to send us your information. A member service representative will follow up to answer any questions or get you started.

Get Started Today

Your home is waiting, and you don’t even have to be a member to get started. So, let’s move!


Apply online when 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.

Kirtland Federal Credit Union is an equal housing lender. Financing available for properties in New Mexico only. Loan subject to credit approval. As with all lending services, full disclosures, terms, and conditions will be supplied with your mortgage or home equity papers. FHA and VA mortgages are not available for condominiums, manufactured homes or investment properties. 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. See a representative for complete details.

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.