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Home Equity Loan Comparison

Kirtland Federal Credit Union has a variety of home equity loans to fit your needs. Our underwriting guidelines are flexible, and our interest rates & fees are very competitive! Obtaining your mortgage from KFCU also gives you the convenience of keeping all your finances in one location.

Apply for a loan today!

Home Equity Loan

Our home equity loans are fixed-rate and feature predictable monthly payments that stay the same, no matter how the economy changes.

Funds are provided in one easy, lump-sum disbursement, and the interest you pay may even be tax deductible.

Home equity loans are the perfect way to pay for a major one-time expense. Purchase a car, finance a wedding, pay college tuition, or consolidate bills — the home equity loan delivers!

  • Borrow up to $200,0001 with our Home Equity Loan
  • Maximum terms up to 180 months
  • No closing costs2 — save up to $2,000

Current Rates

Home Equity Line of Credit (HELOC)

Our Home Equity Line-of-Credit (HELOC) is perfect for any kind of recurring expenses, offering great flexibility and low rates. The HELOC offers a variable rate — payment may vary from month to month. Your HELOC can be used anytime for any type of expense, and the interest charges may even be tax deductible.

  • Borrow up to $200,0001 with our Home Equity Line of Credit
  • Revolving terms, up to 180 months

Current Rates

How to Apply

  • Apply online today!
  • Apply by phone locally at 254-4369 or toll-free at (800) 239-8709
  • Apply in person at a KFCU branch

Kirtland Federal Credit Union is an equal housing lender. Financing available for properties in New Mexico only. Loan subject to credit approval. Membership eligibility required. Over 200 ways to join, including NM National Guard, Reserve, active duty or retired military being served by KAFB; contractors, employees, or retirees of businesses who work on or with KAFB under contract with the U.S. Government; and family members of eligible or existing members. See a representative for complete details. 1) Valid on loans up to $200,000; actual savings based on transaction amount. Special restrictions may apply; contact a representative for complete details. 2) Based on equity in home. Loan amount may not exceed 90% loan-to-value.

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