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Routing Number: 307070050
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Kirtland Federal Credit Union logo
ALWAYS IMPROVING WITH

home equity

Ho-hum home? Turn the value in your home into cash or credit you can use for, well, anything!
APPLY NOW

We're Your Home Equity Leader

Put your home to work. Apply online, day or night!

No Closing Costs

Low Rates

Local Payments and Service

Loan or Line-of-Credit?

You have two great options for accessing your equity. A home equity loan provides a lump sum of cash for your projects or expenses; a home equity line-of-credit allows you to pay as you go for your expenses and make payments only on what you’ve used. Each has features and drawbacks depending on your situation.
 
Here are the key differences:

 
  Home Equity Loan Home Equity Line-of-Credit
What It Is A loan with fixed payments and a fixed interest rate.                                                         A line of credit (like a credit card) with a variable interest rate that you can use for up to 15 years.
A fixed interest rate with predictable monthly payments

 
An adjustable interest rate with variable monthly payments  

Lump sum

 
Pay interest only on the money you use  



 
 

Calculate Your Payments

No need to guess what your monthly payments will look like on your home equity loan—try it now!


Once you’ve calculated your payments, click Save or Apply Now to send us your information. A representative will follow up to answer any questions or help you get started.
 

SEE CURRENT RATES

Home Equity at Work

Home Equity At Work

Remodel a kitchen

Landscape that yard

Handle home repairs

Replace the roof

Emergency funds

Consolidate debt

Pay for an education

Alternative to a credit card or personal loan

READY TO APPLY? LET’S GET STARTED!

CLICK

Apply online, any time!
LET'S GO

CALL

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

CALL 1-800-880-5328

VISIT

Stop by any of our convenient branches to apply for your home equity loan or line-of-credit.
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. Kirtland Federal Credit Union is an equal housing lender. Financing available for properties in New Mexico only. Loan subject to credit approval and based on equity in home. Closing costs may vary based on transaction. Home equity loans and lines of credit are limited to 90% loan-to-value and $200,000; actual savings based on transaction amount. Borrower is responsible for homeowners insurance premiums and, if required, flood insurance premiums. Special restrictions may apply; contact a representative for complete details. Consult a tax advisor regarding deductibility of interest. As with all lending services, full disclosures, terms, and conditions will be supplied with your mortgage or home equity disclosures.