Routing Number: 307070050
Search Our Site
Type a word or phrase in the search field below. If you are unable to find the information you are looking for, please contact us.
Kirtland Federal Credit Union logo
Financial independence is

owning a home

For a limited time, choose a 15-year fixed-rate or 15/15 adjustable-rate mortgage and receive $650 when you close!

A New Home and $650!

Purchase your next home with a 15-year fixed-rate or 15/15 adjustable-rate mortgage, and you’ll receive $650 after closing!

15-Year Fixed-Rate

Fixed-rate programs offer predictable monthly payments with an interest rate that won’t change over the life of the loan. The 15-year program is particularly attractive to second-time homebuyers or homebuyers with a larger down payment.

15/15 Adjustable Rate

This program offers a fixed initial rate that will reset once after 15 years. Adjustable-rate mortgages are ideal for homebuyers who want a lower initial interest rate and can withstand a shift in the market down the road.

We’re Your Mortgage Leader

Enjoy that “why didn’t we do this sooner?” feeling.

good mortgage!

No Hidden Fees

Best Rate With No Points

Easy Financing, Local Payments


Your New Home Is At Your Fingertips

With low interest rates, local financing, and $650 back for a limited time, now is the time to get started. Use our handy loan calculator to see where a mortgage would fit into your budget.

Once you’ve generated the estimate, click Save or Apply Now to send us your information. A member service representative will follow up to answer any questions or get you started.

Earn Even More Cash Back With HomeAdvantage®

Close with a HomeAdvantage-backed real estate agent, and you’ll earn a percentage of the commission back—you could earn thousands!


Get An Agent

Find a trusted real estate expert to guide you.

Support For You

Use free tools to research home values, schools, crime rates, and more.

Earn Cash Back

When you close with a HomeAdvantage–approved realtor, you’ll receive a percentage of their commission, savings you hundreds, even thousands of dollars.



Three easy ways to apply.


Start your application 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 start your application.
Kirtland Federal Credit Union is an equal housing lender. Financing available for properties in New Mexico only. Loan subject to credit approval. *The $650 rebate is available on new 15-year fixed-rate and 15/15 adjustable-rate mortgage loans only processed between January 1, 2018 - September 30, 2018. The $650 rebate will be deposited into your Kirtland Federal Credit Union Savings or Checking account up to 30 days after the official closing of the loan. This offer is not available on refinances of current Kirtland Federal Credit Union loans. 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. The HomeAdvantage® program is made available to you through a relationship between Kirtland Federal Credit Union and CU Realty Services. Cash Rewards are awarded by CU Realty Services to buyers and sellers who select and use a real estate agent in the HomeAdvantage® network. Home buyers or sellers are not eligible for Cash Rewards if they use an agent outside this network.