About Kirtland Federal Credit Union

History... Our Humble Beginnings

The credit union was chartered in 1958 to recognize and serve the unique financial needs of Kirtland AFB's military personnel. As a member-owned financial institution starting with just $50 in assets, the credit union satisfied a need not being met by banking institutions at that time. From these humble beginnings, Kirtland Federal Credit Union has prospered and expanded to include civilian personnel assigned to KAFB, US Reserve Forces, members of the Air and Army National Guard throughout New Mexico, contractors, defense-related Select Employee Groups (SEGs), veterans groups, as well as military retirees. Family members of these eligible beneficiaries are also eligible for membership with KFCU.

Kirtland Federal Credit Union offers a complete line of financial products and services via the Internet, mobile devices, in person at four locations, and over the telephone on a 24/7 basis. As a financial cooperative, our members are both owners and customers. Profits are returned to our members through lower loan rates, higher savings rates, and lower fees.

Samaritan Counseling Center's New Mexico Ethics in Business Awards

The credit union is the fourth largest credit union in the state and the largest military credit union in New Mexico. We serve more than 40 thousand members with a team of dedicated employees. The organization has been recognized with several significant awards. It has twice received the U.S. Air Force Credit Union of the Year Award, won the Quality New Mexico Zia Award (presented by the Governor), received the Employer Support of the Guard and Reserve's Pro Patria Award (presented by the Adjunct General of the New Mexico Guard), earned two Raddon Financial Group's Crystal Performance Awards, and was recognized in 2013 with the Rust Award for Excellence in Ethical Business Practice by the Samaritan Counseling Center, in cooperation with the UNM Anderson School of Management.

Mission... Why We Exist

Exceed the financial service expectations of our members - principally those in the military and in organizations who support the defense of our nation.

Vision... What We Want to Be

To be recognized by our members as their most trusted financial partner. We will continue to grow and adapt to changes in our membership, marketplace and environment.

Core Values... Our Ethical Compass to Guide Us in Serving Others

Just as the military services are true to their stated Core Values to guide them in their mission, Kirtland Federal Credit Union also uses its Core Values as an ethical compass to guide us in serving our members. These values do not change from time to time, situation to situation, or person to person; they are the underpinning of our company culture. These principles, taken together, truly define us on a day-to-day basis, both locally and globally.


We are honest with each other and act with integrity when we serve members. We keep our promises and make clear commitments. We promote and protect the interests of co-workers, members, and the credit union. We safeguard confidential information.


We serve others in the same way we wish to be served. We show respect by being courteous and polite at all times. We are active and attentive listeners and take the extra time or effort to understand others more completely.


We continuously pursue excellence and know that others rely on our skill, knowledge, ability, and willingness to help. We always do our best to promote trust and confidence in the work we do and the credit union we represent.


We use open-minded and objective processes for gathering and evaluating information necessary to make decisions. We make unbiased and impartial decisions. We correct our mistakes promptly and voluntarily.


We exhibit genuine empathy and concern for the welfare of co-workers, members, and others. We give to charities and support worthwhile causes because we care, not to promote personal interests or the credit union.


We understand both the letter and the spirit of the laws and regulations that apply to us, and we obey them. We are an active part of the greater community in which we live and work. We proudly serve members who are serving, or have served, our country in uniform.

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