Kirtland FCU branches will be closed Thursday, November 25 in observance of Thanksgiving.

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.

Shared Deposit Rates


December 1, 2021 – December 31, 2021

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.

give to st. jude

Kirtland FCU is proud to partner with 92.3 KRST this December to benefit St. Jude Children’s Hospital’s support, treatment, research of childhood cancer.

Food Drive | December 1-23
Donate non-perishable food items at any branch! Donations benefit the food pantry of the Kirtland AFB Airmen and Family Readiness Center.