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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Kirtland Federal Credit Union logo
financial independence is

Support for the mission

We’re dedicated to serving those who serve.

Banking Built For You

Our military members and their families face unique challenges: deployment, separations, and more. Kirtland FCU is committed to offering the best banking and loan options to help ease their financial worries.


Ready to join? Become a Member

Military Checking

Our FREE Military Checking account is everything it needs to be for our servicemen and women.



Free standard checks. Free call center. Free mobile check deposits. No monthly maintenance fees, ever.


Whether you need access from the living room, another state, or another country, we’ve got you covered.


Backed by the latest technology, you can move your money around however it works for you.



To address their unique challenges and help ease their financial worries, we offer military members exclusive loan options.


1st Auto Loan For Airmen

Active members of the U.S. armed forces with little or no credit history can enjoy terms up to 75 months with a great rate—no cosigner required.

Start-Up Loan

If you’re working to establish a credit history, the Start-Up Loan is made for you. Borrow up to $1,000 with no collateral, no cosigner, and terms up to 18 months. Just provide a copy of your LES to qualify.

Deployment Loan

Preparing to deploy? Borrow up to $1,000 for a max 12-month term at a low rate. Your first payment may even be deferred for up to 60 days.

ARK Loan

Don’t head to a payday lender. The Asset Recovery Kit (ARK) Loan provides quick cash with a short 30 day–term loan up to $500.

Banking Where You Are

We have the technology you need to bank when and where you are: at home in New Mexico, across the nation or around the world.

Online Banking & Bill Pay

Bank in your jammies, if you want to. Your secure Online Banking account gives you 24/7 access—pay bills, schedule transfers, and more.

Mobile Banking

Wherever you are, we’re there too. Our free, secure Apple and Android banking apps put you in control of your money. Anytime, anywhere.


Sign up to receive your monthly statements conveniently in Online Banking, faster than traditional paper statements.


It’s a dangerous world out there for your money. That’s why we employ the best technology to monitor your accounts and protect you from fraud and theft.

30,000 Nationwide ATMs

With 30,000 ATMs in the CU Anytime and CO-OP Network, you’re always close to your money.

The Independent Debit Card

This little red card is backed by the go-anywhere, buy-anything power of Visa and offers you exclusive Purchase Rewards in your Online Banking account.

Join Now

Three easy ways to join.


Apply for membership 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
Give us a call


Stop by any of our four convenient branches to join.
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 by the NCUA. Before opening a checking account, a new member is required to open and maintain at least one share (savings) account with a minimum balance of $25. CU Anytime ATMs incur no fee from Kirtland FCU; use of ATMs outside the CU Anytime and CO-OP network may incur fees from the banks that own them. The military checking account requires a military ID displaying you are Active Duty, Guard, Reserve or Retiree. Family members are eligible too. Your personal ID number and issue and/or expiration date from your military ID is required for access to the military checking account. Elimination of monthly account fees have requirements depending on account type; Military Checking never charges a monthly maintenance fee. 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. Usual credit criteria apply. Startup, Deployment & ARK loans are for active duty military only. Different rates apply to different loans and depend upon terms.Fees may be associated with various member banking services. See the fee schedule for complete details. Data charges by your mobile device provider may apply and are the responsibility of the device owner. KFCU Mobile Banking is compatible with iOS 9.0 and Android 4.3 or later, and is available for download from the App Store (iPhone), App Store (iPad) and Google Play Store (Android). Person to person payments (PopMoney) requires access to KFCU Online Banking and registration for services. All transfers are subject to daily and monthly transfer limits.See a representative for complete details.