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.


EFFECTIVE: October 1, 2021

Automobiles & TrucksMaximum Term*As Low As APR
2021-2017Up to 48 mos.1.99%
2021-201765 mos.2.29%
2021-201775 mos.2.49%
2021-201784 mos.2.59%
2016-201472 mos.3.69%
2013-201160 mos.4.89%
2010-2008Up to 48 mos.6.89%
2007-200236 mos.8.74%
Classic 2001 or older60 mos.9.99%
MotorcyclesMaximum Term*As Low As APR
2021-201960 mos.6.74%
2018 or olderUp to 48 mos.7.74%
Recreational Vehicles and BoatsMaximum Term*As Low As APR
2021-2019180 mos.5.99%
2018 or older120 mos.6.49%

A Kirtland FCU vehicle loan can save you money.

Calculate Your Payment

Ready to find your next vehicle?

No need to head to the dealership. You’re already here! Shopping in slippers is more fun, anyway.

Get Started

Three easy ways to apply.


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.

*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. 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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