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ROUTING NUMBER: 307070050
Rest Confident, Your Money is Safe and Secure at Kirtland Credit Union, a message from our President & CEO. Learn More
Friday, March 15: the Kirtland CU branch on KAFB is CLOSED. We apologize for any inconvenience. Please visit our nearest Gibson branch for assistance.
Online and Mobile Banking are intermittently unavailable. We are working to resolve the issue and apologize for any inconvenience.
Kirtland Credit Union will never ask you to provide, update, or verify personal or account information through an unsolicited email, phone call, or text message. If you receive an unsolicited email, phone call, or text message, DO NOT RESPOND. Notify us at (505) 254-4369 or 1-800-880-5328.
Concerned about how a government shutdown may impact you? Call us at 1.800.880.5328 to discuss your needs.
ROUTING NUMBER: 307070050
Thursday, July 28 • 5:30–7:30 p.m.
Put your home to work. Apply online, day or night!
You have two great options for accessing your equity. A home equity loan provides a lump sum of cash for your projects or expenses; a home equity line-of-credit allows you to pay as you go for your expenses and make payments only on what you’ve used. Each has features and drawbacks depending on your situation.
Here are the key differences:
Home Equity Loan | Home Equity Line-of-Credit | |
---|---|---|
What It Is | A loan with fixed payments and a fixed interest rate. | A line of credit (like a credit card) with a variable interest rate that you can use for up to 15 years. |
A fixed interest rate with predictable monthly payments | X | |
An adjustable interest rate with variable monthly payments | X | |
Lump sum | X | |
Pay interest only on the money you use | X | |
Rates as low as | 7.25% APR* | 8.50% APR* |
Maximum Terms | 180 months | 180 months |
We have developed a Financial Wellness Center, in partnership with MoneyEdu, to offer online courses, a full article library, and personal credit counseling agents that can meet with you on your time.
Home equity can be tapped for any reason – from home renovations to paying off high-interest debt. Topics include:
Apply online, any time!
Give us a call, and a representative will help you get started.
Stop by any of our convenient branches to apply for your home equity loan or line-of-credit.
Membership eligibility required. Kirtland CU 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. Kirtland Credit Union is an equal housing lender. Financing available for properties in New Mexico only. Loan subject to credit approval and based on equity in home. Closing costs may vary based on transaction. Home equity loans and lines of credit are limited to 90% loan-to-value and $200,000; actual savings based on transaction amount. Borrower is responsible for homeowners insurance premiums and, if required, flood insurance premiums. Special restrictions may apply; contact a representative for complete details. Consult a tax advisor regarding deductibility of interest. As with all lending services, full disclosures, terms, and conditions will be supplied with your mortgage or home equity disclosures.
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Routing Number: 307070050
6440 Gibson Blvd. SE, Albuquerque, NM 87108
Federally insured by NCUA Equal Opportunity Lender