Experiencing a financial hardship because of the Three Rivers Fire? We can help! Call us at 1-800-880-5328 to learn more.

Kirtland FCU will be performing system maintenance on Sunday, May 16 between 10:00 a.m. and 3:00 p.m. Online, Mobile, and Telephone Banking will be intermittently unavailable.

Routing Number: 307070050
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Kirtland Federal Credit Union logo


Bank anytime, anywhere with Online Banking and the powerful Mobile App (download on your Apple or Android device).


Backed by the buying power of Visa, this little red card earns you valuable Purchase Rewards.


Enjoy the perks of being a Kirtland FCU member—big bank capabilities and local neighborhood service.

Kirtland FCU Checking 

Money in motion—your checking account is the hub for most of your day-to-day finances, with funds coming and going in an endless cycle. Our checking accounts are as customizable as your wardrobe—choose the features you want and get the cutting-edge tools and technology you need to manage your finances with confidence.

Freedom-Plus Checking

For those who want flexibility and great checking options close to home or abroad.
Man at airport


For the tech-savvy member who prefers the security of electronic checking.
Woman reading

Military Checking

For our military servicemen and women—past and present—and their family members.
Father and son
Ready to open your account? Let's Go



All three accounts are great, really! But each offers unique benefits and options that may fit perfectly into your life. Compare them now.

Features Freedom-Plus e-Checking Military Checking
Earn Cash Back with Purchase Rewards

Visa®​ Debit Card

Earn Dividends

30,000 Free ATMs

Online Banking & Bill Pay

Anywhere Mobile Banking & Mobile Check Deposit

Real-Time Fraud Alerts

Free Check Processing

First 10 transactions per month (additional checks: $0.50 per check)

Free Checks One Standard Box provided at account opening 8 checks provided at
account opening

Overdraft Protection / Courtesy Pay

Monthly Fee $0 with
$300 minimum direct deposit each month
$2,000 average daily balance
Minimum 10
debit card transactions each month
$0 with
$300 minimum direct deposit each month
e-Statements Free Required & Free Free
External Transfers and PopMoney $2/transfer (3-Day)
$4/transfer (Next-Day)
5 Free Transfers
Per Month
$2/transfer (3-Day)
$4/transfer (Next-Day)
Free Text Banking



Get Started

Three easy ways to open your account.


Open your account online when it works for you - 24 hours a day, 7 days a week.
Let's Go


Give us a call, and a member service representative will help you get started.

CALL 1-800-880-5328
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Stop by any of our four convenient branches to open your account.
Find a Branch
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. The military checking account requires a military ID displaying you are Active Duty, Guard, Reserve or Retiree. Family members are eligible too. Your personal ID number and issue and/or expiration date from your military ID is required for access to the military checking account. Elimination of monthly account fees have requirements 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.