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
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


If you need funds for a vacation, a project, or need to consolidate debt, a signature loan from Kirtland FCU may be the solution you need.


A personal line of credit is perfect for handling any recurring or unexpected expenses. Your line of credit can even provide Overdraft Protection for your Kirtland FCU checking account.


Kirtland FCU offers several loan programs exclusively for the men and women of our U.S. armed forces.


Secure your loan with your savings account or certificates for your lowest possible rate. It’s a great way to build credit, and it allows you to access and use your savings funds without liquidating them.

Personal Loan Programs

Borrow what you need, make your payments and manage your account online any time, day or night, and get back to life. It’s worry-free borrowing.



Personal Line of Credit

A personal line of credit is a fantastic way to handle any unexpected expenses. Once your line is established, borrow what you need, when you need it. Your line of credit can also be selected to cover you in the event of an overdraft from your checking account, saving you money.

Start-Up Loan

Military members, 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.
Man and laptop

Signature Loan

Get the funds you need for any expense with a signature loan from Kirtland FCU. Consolidate other debt or pay for a vacation—anything. Enjoy competitive rates and terms up to 60 months, along with the friendly service and account management tools that you expect.

Deployment Loan

There’s no greater sacrifice than fighting for your country. If you’re preparing to deploy, the Deployment Loan offers you the opportunity to borrow up to $1,000 for a maximum 12-month term at a low rate. Your first payment may even be deferred up to 60 days.
Father and son

Secured Loan

Access the money you already have in a savings account or a certificate without liquidating the account—you’ll continue to earn interest. It’s like having your money and spending it, too!
Piggy bank

Asset Recovery Kit (ARK) Loan

If you need quick cash, don’t head for a payday lender. This short 30-day term loan is specially designed to provide cash up to $500 to active-duty military personnel.
Exchanging cash
See how a loan would fit into your budget. CALCULATE MY PAYMENT

Get Started


Apply online right now, or tomorrow night. Or whenever it’s convenient for you!
Apply Now


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.
Find a Branch
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. Usual credit criteria apply. Startup, Deployment & ARK loans are for active duty military only. Different rates apply to different loans and depend upon terms. See a representative for complete details.