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.

PERSONAL LINE-OF-CREDIT 101

When you’re approved for a personal line-of-credit, you have a credit limit (similar to a credit card) to borrow against whenever you need for as long as the draw period lasts. Then, just make payments on what you’ve borrowed on a rolling 30-month term. 

FIXED INTEREST RATE

Our personal lines-of-credit feature a flat 11.50% APR*. No variable rates, and no higher rates based on credit.

NO MAINTENANCE OR ORIGINATION FEES

$0 to open. $0 maintenance. You just pay interest on what you borrow!

BORROW UP TO $30,000

If you need a higher balance than you may have available with a credit card, a personal line-of-credit may be just the thing.

TAKE WHAT YOU NEED, WHEN YOU NEED IT

No need to start paying on a lump sum like you would with a loan. With a person line-of-credit, make payments only on the amount you draw.

PERSONAL LINES-OF-CREDIT ARE PERFECT FOR:

Consolidating Debt

With a fixed interest rate that’s lower than a lot of credit cards, a personal line-of-credit is great for reducing monthly payments and paying down high-interest debt.

Paying For A Project

Home renovations, an outdoor construction project and more—a personal line-of-credit is a great option for all!

Covering An Overdraft

A personal line-of-credit can act as your overdraft draw account, covering expenses if you don’t have enough in checking and saving you from fees incurred from overdrafts and bounced checks.

Planning A Special Event

Personal lines-of-credit are a worry-free way to pay for a wedding, a graduation, or any other event.

MANAGING FINANCES? READ ALL ABOUT IT!

Get Started

Three easy ways to open your account.

Click

Open your account online when it works for you - 24 hours a day, 7 days a week.

Call

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

CALL 1-800-880-5328

Visit

Stop by any of our convenient branches to apply for your personal line-of-credit.

* APR = Annual Percentage Rate. Subject to credit approval, eligibility, and credit qualifications. Personal line-of-credit may be reduced or additional extensions of credit may be limited if certain circumstances occur. Minimum Payment: The minimum payment will be calculated at the time of an advance by amortizing the new balance over a period of 30 months; minimum payment $35.00. Other restrictions may apply. See a representative for complete details. Membership eligibility required.

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.