Branches are open! Bring your mask and be prepared for a few changes to stay safe during your visit.  LEARN MORE.

Kirtland FCU branches will be closed Saturday, July 4 in observance of Independence Day.

Routing Number: 307070050
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The local mortgage leader

Big dreams need big-time loans! Kirtland FCU is Albuquerque’s local home loan leader and proud sponsor of the 2020 Parade of Homes.

Proud Sponsor
2020 Parade of Homes

Kirtland FCU is here for you with every major mortgage program for any size dream.


Choose from a wide variety of mortgage program options to fit your goals, whether you're buying your first home or vacation home.


Purchase your land and let your dreams take shape with a land loan. You have three years to start building!


Once you’ve purchased your land, get building with a construction loan!


Credit unions are better than banks (yeah, we said it!) because we're focused on YOU. We get you! Kirtland FCU is your 505-living, green chile–loving, backyard balloon–gazing financial partner. All we’re you! With more than 200 ways to qualify for membership, buying a home with Kirtland FCU is easy.


Already own your home? Rates are low, and now may be the perfect time to refinance that mortgage.

No Hidden Fees

Save Money Every Month

Pay Off Your Loan Faster

Local Service, Local Payments - Always

Interested in today's rate on the popular mortgage programs? FIND MY RATE

A Loan Made Just For You

With your choice of every popular mortgage program, you’ll find the loan you need with the benefits you deserve.


Zero Hidden Fees

Best Rate, No Points

Local Financing & Payments

Local Service & Expertise

Fixed and Adjustable Rate Mortgages

VA Mortgages

First-Time Homebuyer Program

Jumbo and Second Mortgages


Your New Home Is At Your Fingertips

With low interest rates, local financing, and anywhere payments, Kirtland FCU is New Mexico’s premier mortgage lender. 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.
Ho-hum home? Spruce it up with a home equity loan! LEARN HOW

Get Started Today

Your home is waiting, and you don’t even have to be a member to get started. So, let’s move!


Apply online when it’s convenient for you.



Give us a call, and a member service representative will help you get started.

CALL 1-800-880-5328


Stop by any of our four convenient branches.
Kirtland Federal Credit Union is an equal housing lender. Financing available for properties in New Mexico only. Loan subject to credit approval. As with all lending services, full disclosures, terms, and conditions will be supplied with your mortgage or home equity papers. FHA and VA mortgages are not available for condominiums, manufactured homes or investment properties. 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.