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

snow me the money!
Borrow up to $3,000 for holiday expenses with a rate as low as 7.99% APR*, now through December 31, 2021.

snow me the money!

Borrow up to $3,000 for holiday expenses with a rate as low as 7.99% APR*, now through December 31, 2021.

Need Cash For the Holidays?

Don’t turn to high-rate store credit cards or costly payday loans to handle holiday expenses. This year just say “Snow me the money!” Receive 1% off your approved rate on a personal loan when you borrow for holiday expenses.


up to $3,000


up to 36 months

Fixed Rate

as low as 7.99% APR*

Check your holiday payments

With a fixed–interest rate as low as 7.99% APR, your holiday goals could be more affordable than you think. See how much your monthly payment could be with the handy personal loan calculator.

Once you’ve generated the estimate, click Save or Apply Now to send us your information. A member representative with Kirtland FCU will follow up to answer any questions or get your application started.

Apply for your holiday loan now!


Using a small shorter-term fixed-rate loan is a smarter way to handle holiday expenses.

Fixed-Rate Freedom

Fixed-rate loans mean predictable monthly payments and clear interest charge. Revolving debt (credit cards) continue to accrue interest if you don’t pay off the balance right away.


The average interest rate on a store-only credit card? A whopping 25% APR* That’s high-priced borrowing if you don’t pay off your balance before an introductory rate ends.


Payday loan options charge sky-high interest rates for quick cash. Avoid this option at all costs! A small personal loan a much better financial solution.

Get Started

Three easy ways to start  your application.


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


Drop by any of our convenient branches to to start your application.

APR=Annual Percentage Rate. Loan and rate subject to approval based on credit worthiness and other factors. I% rate discount valid for qualifying personal loans funded by December 31, 2021. 7.99% APR rate available for A+ credit tier applicants. Valid only on loans up to $3,000 and with a term no greater than 36 months. Restrictions apply. See a representative for complete details. 

Calculator: Displayed rates, terms, and calculations are estimations only. Varying rates and terms are available based on credit worthiness and other factors.

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.