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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As you make payments on your mortgage, you’re building equity—value that you can cash in on through a home equity loan or line of credit.

Two Ways To Access Your Equity

Home Equity Loans

Home equity loans are a great way to handle any large expense. Get the cash you need in one disbursement with predictable monthly payments over the life of the loan—10 or 15 years.
Perfect for:
  • Remodels
  • Consolidating debt
  • Paying for a wedding or college


Home Equity Lines of Credit

Home equity lines of credit offer more flexibility with revolving terms up to 15 years. Use it to pay for any expense that arises during the term of the loan.
Perfect for:
  • Emergency funds
  • Remodels
  • An alternative to a credit card

Father and son
Interested in today’s rate on the most popular mortgage programs?FIND MY RATE

We’re Your Home Equity Leader

Put your home to work for you—applying is fast and easy!

Save Money
On Closing Costs

No Hidden Fee Icon

Great Rates,
Easy Financing

Discount Icon

Local Service,
Local Payments

Recieve Cash Icon

Get Started

Three easy ways to apply.


Open your account 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
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Stop by any of our four convenient branches.
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.