Routing Number: 307070050
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Kirtland Federal Credit Union logo
This is banking that won’t get in the way.
Experience checking that’s


With friendly service ready when you need it.


With Online and Mobile Banking.


With account options to fit your life.

Checking Accounts

Choose from three fantastic checking account options, all backed with powerful money management features such as Apple Pay, Online and Mobile Banking, and more.

Freedom-Plus Checking

Checking for the traditionalist. Next-level checking with a tactile experience. Call, click, or come in!
Freedom Plus Checking


Checking for the tech-savvy. You’re in the driver’s seat with e-Checking, an online, truly connected experience.

Military Checking

Checking for our servicemen and women. If you serve, this checking account is here to serve you.
Military Checking
Which is the right checking account for you?Compare

Beyond Checking

All Kirtland FCU checking accounts feature FREE, powerful tools that make paying bills and managing your money easier than ever.

Beyond Checking

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Online Banking

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Mobile Banking

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30,000 ATMs

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Apple Pay

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Pay People

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Visa Debit Card

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Overdraft Protection

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Bill Pay

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We’re proud to support you for life.

In a recent survey, two-thirds of respondents said they were extremely likely to recommend Kirtland FCU to a friend or family member.

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. Your deposit accounts are federally insured to at least $250,000 by the NCUA. A member must open and maintain at least one share (savings) account with a minimum balance before any other account may be opened. CU Anytime ATMs incur no fee from Kirtland FCU; use of ATMs outside the CU Anytime and CO-OP network may incur fees from the banks that own them. Must be an active or retired member of the U.S. Armed Forces to qualify for a Military Checking account. Elimination of monthly account fees have requirement depending on account type; Military Checking never charges a monthly maintenance fee. 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.