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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For longer-term saving goals, certificates offer a simple way to turn your funds into a secured investment on a timetable that helps you meet your goals with little risk and predictable growth.


Save for college or retirement with an IRA or ESA from Kirtland FCU. These accounts are secure, lower-risk savings options that offer significant tax benefits and predictable growth. It’s worry-free saving.
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Certificates & IRAs

IRAs and certificates offer low risk and a predictable return on your dollar. It’s easy and worry-free to save for your future.


If you want to maximize your returns beyond the dividends of a traditional savings account, a certificate account may be perfect for you.
  • Choose a term from 3 months to 5 years
  • Earn dividends at a higher rate than a savings account, based on your certificate amount
  • Withdraw your dividends without penalty



IRAs allow you to safely save for retirement and enjoy significant tax benefits while you’re at it. Choose from two different IRA accounts: the traditional IRA and the Roth IRA. The difference is in how taxes are assessed—upon contribution to the account or upon withdrawal.
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IRA Rollovers

If you’ve recently retired, changed jobs, or just want more control over your money, rolling over your retirement plan assets to an IRA at Kirtland FCU will preserve your tax benefits and continue to grow your savings.
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If you want to save for a child’s education, a Coverdell ESA is a great tool. The account is set up in the name of the beneficiary, and the withdrawal is generally tax-free when used for qualified expenses.
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Two easy ways to apply.


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 start your application.
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 insured by the NCUA. Unless otherwise paid, dividends will compound monthly. Paid and accrued dividends may be withdrawn at any time during the certificate term without penalty. Any other premature withdrawal will result in a penalty in accordance with the account agreement disclosure. Other changes may be made during the renewal grace period which is 10 calendar days following the date of maturity. IRA tax benefits are subject to specific tax qualifications. Consult your tax advisor for complete details. 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.