If you have been impacted by the recent New Mexico wildfires, we have options to help. Call 1 (800) 880-5328 to learn more.

Kirtland FCU branches and the Member Contact Center will be closed Monday, May 30 in observance of Memorial Day.

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.

Share Deposit Rates


May 1, 2022 – May 31, 2022

Account TypeBalance Tiers*APY**DR
Share (Savings) Accounts$5-$9990.10%0.10%
Share (Savings) Accounts$1,000+0.10%0.10%
Share Draft (Checking) Accounts$500 to earn dividends0.05%0.05%
Insured Money Management/Individual Retirement AccountsLess than $2,0000.05%0.05%
Insured Money Management/Individual Retirement Accounts$2,000 - $4,9990.05%0.05%
Insured Money Management/Individual Retirement Accounts$5,000 - $24,9990.10%0.10%
Insured Money Management/Individual Retirement Accounts$25,000 - $49,9990.15%0.15%
Insured Money Management/Individual Retirement Accounts$50,000 - $99,9990.20%0.20%
Insured Money Management/Individual Retirement Accounts$100,000+0.25%0.25%

Trying to save? Find out which savings options are right for you.

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.

*APY = Annual Percentage Yield. **DR = Dividend Rate. Your deposit accounts are federally insured to at least $250,000 by the NCUA. 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.