Routing Number: 307070050
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Kirtland Federal Credit Union logo

We're more than military

We empower the financial independence of people and families throughout Albuquerque and beyond.

Banking Without The Bank

Kirtland FCU isn’t a bank. Big, impersonal, for-profit—that’s not us. Like all credit unions, we’re a not-for-profit financial cooperative. We’re dedicated to empowering the financial independence of members who are largely ignored by or lost in the crowd at the big banks.
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Full-Service Banking

You might think that with our level of dedication, our services would be limited. At Kirtland FCU, you’ll find everything you could want from a financial institution—checking, savings, investing, loans, mortgages, and more, all backed by the latest technology and accessibility.
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Dedicated To Community

Our middle name could be “Local”. With four branches in Albuquerque and on Kirtland AFB, Kirtland FCU is a true community partner. Our employees live and work alongside you, so we’re especially dedicated to supporting school, charities, and community programs.
Downtown ABQ

Empowering Members’ Financial Independence

Every tool we offer is designed to simplify your life by eliminating the financial stress in your life and empowering you to take control and save and borrow smarter.

State Of The Credit Union 2018 Annual Report

The Kirtland FCU Mission – Why We Exist

To exceed the financial expectations of our members—principally those in the military and organizations who support the defense of our nation. At Kirtland FCU, our field of membership is top of mind. A large portion of that mission is to support those who defend our country, and we’re proud to partner in the financial success of these very special individuals.

The Kirtland FCU Vision - Who We Want To Be

To be recognized by our members as their most trusted financial partner. We will continue to grow and adapt to changes in our membership, marketplace, and environment. Trust is earned. As a not-for-profit financial cooperative, Kirtland FCU is able to truly empower our members’ financial independence, even as the financial world around them becomes more difficult to navigate. We’re working to ease our members worries and help them build for the future.
Customer service

Kirtland FCU Core Values

We strive to be an institution you can trust with your finances.​
We’ll treat you with dignity and unparalleled friendliness.
When we say we’ll do something, we do it.
Your interests are always top of mind.​
We promise to always treat you with compassion and understanding.
We’re dedicated to making our community a better place.
Financial knowledge, the latest news and events, and important fraud and scam tips—it's Kirtland FCU Insighter Blog! EXPLORE NOW

Join Now

Three easy ways to join.


Apply for membership 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
Give us a call


Stop by any of our four convenient branches to join.

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.
Megan O.
Kirtland FCU's staff members are extremely friendly and are always trying to help however they can.
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.
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.
Member Since 2000
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.