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.

Current Rates

Whether you’re looking for a car, a home, or a great return on a certificate, you’ll find the best rates—and the best service—at Kirtland FCU. Here are the current rates for the loan or savings program you’re interested in.

VISA PLATINUM RATES

EFFECTIVE: June 17, 2022

Card Type1As Low As APR2Credit Tier APR Range
Cash Rebate9.75%9.75% - 16.50%
CU Rewards7.75%7.75% - 14.50%
Low Rate Option7.25%7.25% - 14.00%

The Independence Credit Card can save you money.

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Get Started

Three easy ways to apply.

Online

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

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 open your account.

1. The Kirtland FCU Visa Platinum Card has a variable interest rate which is indexed to the Prime Rate and tiered based on credit-worthiness criteria. A margin (based on credit-worthiness criteria) is added to the index to determine the interest rate. The annual percentage rate can change quarterly, based on changes to the index, and annually, based on changes to the credit-worthiness criteria. Index Value: June 17, 2022 through July 30, 2022 (Wall Street Journal Prime Rate as of June 15, 2022) = 4.75%. A margin is added to this index value to determine your interest rate.

2. APR = Annual Percentage Rate and can change at any time without notice. The “As Low as APR” is the interest rate that an “A+” credit-tier member would receive. A margin will be added to this rate for members whose credit score places them in a credit tier other than “A+.” Other special discounts may not be combined. Speak with a representative to determine the interest rate you will receive based on credit and other factors. All loans subject to additional underwriting requirements.

See the Kirtland FCU Guide To Card BenefitsCredit Card AgreementDisclosure for more information. A Main Share (savings account) is required for membership at Kirtland FCU with a $25 minimum balance and must be established before any other account may be opened. Account triggered fees and charges that may be assessed against your account are disclosed in the Fee Schedule. For complete details, refer to the Truth-In-Savings Disclosure. 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.