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Routing Number: 307070050
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Kirtland Federal Credit Union logo
Financial Independence Is

Managing Debt

Transfer your credit card balances with a rate as low as 2.99% APR!
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mortgages that stay home

Local decisions, local payments, local service for life!
SEE HOW

driving away happy

Purchase your next vehicle at an upcoming Road-Ready Auto Sales events and save big!
FIND AN EVENT

living in retirement

It’s the beginning of a new chapter. What will your story say?
START NOW

taking control

Budget, track, take control! Manage your money with a 360-degree view of your spending habits.
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Protecting What Counts

Safeguard your personal and financial information through advanced security techniques and monitoring.
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What’s Your Goal?

Our products and personal service can get you there.

I WANT TO BUY A CAR

With competitive rates and unbeatable service, we can help you drive away in the vehicle you want with payments you can live with.
EXPLORE AUTO LOANS

I NEED A NEW HOME

Choose from a wide variety of mortgage programs and partner with a team of friendly and knowledgeable mortgage experts.
FIND YOUR HOME

I DREAM OF TRAVELING

Take your trip, and earn cash back while you’re at it with the Independence Credit Card’s unlimited Cash-Back rewards program.
COMPARE CARDS

I NEED TO PLAN FOR RETIREMENT

Investing for retirement starts with Kirtland Financial Services. Talk to an advisor today and start walking the path to a confident future.
START PLANNING

How Can We Help You Today?

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Make A Payment
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Become A Member
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This Is Banking Made Easy

Save time and money with these FREE tools from Kirtland FCU. Because banking should be easy!

Online Banking & Bill Pay

Bank in your jammies, if you want to. Your secure Online Banking account gives you 24/7 access—pay bills, schedule transfers, and more.
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Mobile Banking

Wherever you are, we’re there too. Our free, secure Apple and Android banking apps put you in control of your money. Anytime, anywhere.
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e-Statements

Sign up to receive your monthly statements conveniently in Online Banking, faster than traditional paper statements.
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Security

It’s a dangerous world out there for your money. That’s why we employ the best technology to monitor your accounts and protect you from fraud and theft.
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30,000 Nationwide ATMs

With 30,000 ATMs in the CU Anytime and CO-OP Network, you’re always close to your money.
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The Independence Debit Card

This little red card is backed by the go-anywhere, buy-anything power of Visa and offers you exclusive Purchase Rewards in your Online Banking account.
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Here’s What Our Members Are Saying

Rick H.
I'm in real estate. With Kirtland FCU mortgage closings, there are no concerns which makes the loan signing much easier. It shows that Kirtland FCU strives for perfection with their field of membership.
Testimonial
Megan O.
Kirtland FCU's staff members are extremely friendly and are always trying to help however they can.
Testimonial
Member Since 2006
Andrew H.
The staff was able to replace my credit card while I waited there, instead of the customary 7–10 working days. Now, THAT is helpful.
Testimonial
Member Since 1979
Mike and Tina R.
We have had nothing but pleasurable experiences with Kirtland FCU, in person and over the phone. They're always courteous, professional and best of all, quick to answer questions and solve any issue.
Testimonial
Member Since 2000