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

Save for a rainy day or get your child started on the path to financial independence— Kirtland FCU gives you the right tools and the support you need to achieve your goals.
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The Savings Family

Choose an account with the features you need to make your money work for you. Earn dividends monthly and pay $0 monthly maintenance fees on these accounts.

Main Savings Account

It all starts here. Achieve financial independence with a nest egg for a rainy day, or save for a specific goal. Open your main savings (share) account with as little as $5.

additional savings accounts

If one savings account is great, two are even better. Enjoy all the same perks as you do with your main savings account—it’s just another option for you to structure your finances how it works best for you.


An Insured Money Management Account is a premium savings account that offers a higher yield than the traditional savings account—save faster, earn faster. You can also write checks and pay bills out of your IMMA.

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Youth Savings Accounts

Bring baby home from the hospital: check. Pick an adorable name: check.
Get them started on the path to financial independence: check!

Joey Account4 and youngerKids earn a fun prize with each in-person deposit they make to their account.
Koala Club5-12Kids receive stamps for their deposits and earn free movie tickets, stuffed animals, or gift cards.
Club F.I.T (Financially Independent Teens)13-17Teens continue to earn prizes for filling up their stamp cards and can earn additional stamps for good grades, attending learning events, and their birth month.
Stamp Card Filled Up?Fill out the Prize Redemption Form now.

The Details:

  • Open with as little as $5
  • Minimum balance is $5
  • No monthly maintenance fees
  • Enjoy free Online and Mobile Banking so you can keep tabs on the account.
  • Youth savings accounts earn interest, the same as any other traditional savings account.

Ready to Start?

Which Account is for me?

All of our savings accounts are excellent—choose the one with the features you’ll need to reach your goals.

FeaturesMain SavingsAdditional SavingsIMMAYouth Savings
Minimum Balance$5$5$0$5
Open With$5$10$10$5
Monthly Fee$0$0$0$0
Earn DividendsXXXX
24/7 Online BankingXXXX
Anywhere Mobile Banking & Mobile Check DepositXXXX
Real-Time Fraud AlertsXXXX
30,000 Free ATMsXXXX
May serve as source account for Overdraft Protections*XXXX
Earn Higher Dividends Based on BalanceXXXX
Checks and Bill Pay CapabilityXXXX

Get Started

Three easy ways to open your account.


Open your account online when it works for you - 24 hours a day, 7 days a week.


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.

*These accounts may be used as the source of protection for a personal checking account in the case of insufficient funds when a sufficient amount is available in this account and the account has been designated for Overdraft Protection. See complete details here.

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. Your deposit accounts are federally insured to at least $250,000 by the NCUA. Youth Savings accounts are valid through the age of 17. 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.

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.