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.


EFFECTIVE: June 17, 2022

Automobiles & TrucksMaximum Term*As Low As APR
2022-2018Up to 48 mos.3.29%
2022-201865 mos.3.29%
2022-201875 mos.3.29%
2022-201884 mos.3.29%
2017-201572 mos.4.39%
2014-201260 mos.5.59%
2011-2009Up to 48 mos.7.59%
2008-200336 mos.9.44%
Classic 2002 or older60 mos.9.99%
MotorcyclesMaximum Term*As Low As APR
2022-202060 mos.7.24%
2019 or olderUp to 48 mos.8.24%
Recreational Vehicles and BoatsMaximum Term*As Low As APR
2022-2020180 mos.6.49%
2019 or older120 mos.6.99%

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.

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.