Due to scheduled maintenance, Online Banking, Mobile Banking, and Tellerphone systems will be intermittently unavailable on Sunday, October 24 between 12:00am and 5:00am MDT.

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.

CONSUMER LOAN RATES

EFFECTIVE: October 1, 2021

Home Equity LoanMaximum Term*As Low As APR
Up to 80% LTV120 mos.5.50%
80.01% to 90% LTV120 mos.6.00%
Up to 80% LTV180 mos.5.75%
80.01% to 90% LTV180 mos.6.25%

Put your home’s value to work for you.

See how a home equity loan fits into your budget.

Home Equity Line of CreditMaximum Term*As Low As APR
Up to 80% LTV180 mos.5.50%
80.01% to 90% LTV180 mos.5.75%

Thinking of tapping into your home’s equity?

See how a home equity line of credit fits into your budget.

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.

*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. Most Consumer Loans are Tier-Priced by credit score. The interest rate you receive will be based on your credit history and other factors. Speak with a representative to determine the interest rate you will receive. All loans subject to additional underwriting requirements. Kirtland Federal Credit Union is an equal housing lender. Financing available for properties in New Mexico only. Loan subject to credit approval and based on equity in home. Closing costs may vary based on transaction. Home equity loans and lines of credit are limited to 90% loan-to-value and $200,000; actual savings based on transaction amount. Special restrictions may apply; contact a representative for complete details. As with all lending services, full disclosures, terms, and conditions will be supplied with your home equity disclosures. Most Consumer Loans are Tier-Priced by credit score. The interest rate you receive will be based on your credit history and other factors. Speak with a representative to determine the interest rate you will receive. All loans subject to additional underwriting requirements. A member must open and maintain at least one share (savings) account with a minimum balance 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.

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