Routing Number: 307070050
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Kirtland Federal Credit Union logo
Your biggest purchases will become your biggest source of financial independence and security.

Credit Cards

For your everyday purchases and vacations.
Learn About The Independence Credit Card

Home Loans

Find your home base.
Find a Mortgage

Vehicle Loans

To get you on the road.
Explore Auto Loans

Home Equity

Put your home’s value to work for you.
Access Your Home's Equity

Personal Loans

Build smart credit with a loan or line of credit.
Explore Personal Loans

Borrowing Options

Your greatest sources of financial independence are “smart debt”: your car, your home, and your credit. We can help you reach them.

Credit Cards

The Independence Credit Card offers a low interest rate and a choice of three programs you’ll actually use. This is the last credit card you’ll ever need.
Get started

Auto Loans

Shopping for your next car, truck, motorcycle, RV, boat, or aircraft? If you can dream it, we can finance it. Get pre-approved before you shop to save even more.
Get Started

Mortgage Loans

If you’re thinking of purchasing a new home, our home loan solutions help you get it done.
Get started

Personal Loans

Handle any project or expense with a personal loan, and enjoy local service, local payments, and local experts.
Get started

Make A Payment

Three easy ways to make a payment.


Make a payment online when it works for you in Online Banking - 24 hours a day, 7 days a week.
Let's Go


Make a payment 24 hours a day using the TellerPhone system.
CALL 1-800-880-8277

Or member service representatives are available to assist you six days a week.
CALL 1-800-880-5328

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Stop by any of our four convenient branches to make a payment.
Find A Branch

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

Kirtland Federal Credit Union is an Equal Housing Lender. All loan program issuances are subject to credit worthiness and are not guaranteed. 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.