Debt Protection - Protect your loans, help preserve your standard of living.

Personal Loans

Kirtland Federal Credit Union offers a variety of personal loan products to help you get the money you need for life's unexpected expenses as well as your planned projects. Apply for a loan online today and our financial sales representatives will review your application and contact you within two business days.

Apply for a loan today!

Signature Loans

If you have a personal expense you need to address - consolidating your debts, going vacation, or anything in between - we can help with our Signature Loan. Have money available when you need it - with our competitive rates and terms up to 60 months, having the money you need is finally within reach!

  • Maximum amount available is based on total unsecured debt and credit score
  • Terms up to 60 months available

Current rates (as low as APR): 8.74%

Personal Line of Credit

If you have a personal expense you need to address - consolidating your debts, going vacation, or anything in between - we can help with our Personal Line of Credit. Have money available when you need it - you can even use your Personal Line of Credit for overdraft protection for your KFCU Checking Account!

  • Have money available when you need it
  • Maximum amount available is based on total unsecured debt and credit score
  • Revolving terms available
  • Can be used as overdraft protection for your checking account

Current rates (as low as APR): 11.50%

Start-Up Loan

If you're an active-duty military member who is trying to establish credit, our Start-Up Loan is for you. You don't need to provide any collateral to secure the loan, and you can get up to $1,000 with payment terms up to 18 months.

  • Limited or no credit experience
  • Establish credit without having to provide collateral
  • Borrow up to $1,000
  • Maximum terms up to 18 months
  • Verification of income; a copy of your Leave and Earning Statement (LES) is required.

Current rates (as low as APR): 13.25%

Deployment Loan

Designed specifically for active-duty military preparing to deploy, our Deployment Loan offers a fast, easy way to get cash when you absolutely need it. Our Deployment Loan provides you the opportunity to borrow up to $1,000 for a maximum of a 12-month term at a great low rate.

  • Specifically designed for active-duty military preparing for deployment
  • Borrow up to $1,000 quickly and easily
  • Maximum term up to 12 months
  • First payment may be deferred up to 60 days
  • A copy of deployment orders is required

Current rates (as low as APR): 6.00%

Asset Recovery Kit: The ARK Loan

A special short-term loan exclusively for active-duty military personnel, National Guardsmen and Military Reservists, the ARK loan provides cash for short-term expenses — an alternative to expensive, predatory payday lending.

  • Borrow up to $500
  • Repay within 30 days
  • No interest! Just pay a $5 processing fee
  • Up to five (5) advances in a 12-month period

BALANCE Financial Fitness

Secured Loans

Kirtland Federal Credit Union offers secured loans - borrow from the value of your share savings account or your share certificates. You don't have to liquidate your savings instruments to gain access to money - just get a secured loan from KFCU!

Share Secured Loans

  • Borrow against your share savings account balance
  • Maximum terms up to 60 months

Current rates (as low as APR): 3.00%

Share Certificate Secured Loans

  • Borrow against the value of your share certificates
  • Maximum terms up to 60 months

Current rates (as low as APR): Share Certificate rate + 2.00%

How to Apply

Online Banking


Forgot your
ID/Password?
> More information Banking Demo