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Routing Number: 307070050
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CURRENT RATES

Whether you’re looking for a car, a home, or a great return on a certificate, you’ll find the best rates—and the best service—at Kirtland FCU. Here are the current rates for the loan or savings program you’re interested in.

SAVINGS  CERTIFICATES   CREDIT CARD   VEHICLE LOANS 

 MORTGAGES   HOME EQUITY & LINES OF CREDIT   PERSONAL LOANS


 

CONSUMER LOAN RATES

EFFECTIVE: December 1, 2018

 

         Home Equity Loan        Maximum Term *As Low AS APR
Up to 80% LTV 60 mos. 5.24%
80.01% to 90% LTV 60 mos. 5.74%
Up to 80% LTV 120 mos. 5.74%
80.01% to 90% LTV 120 mos. 6.24%
Up to 80% LTV 180 mos. 5.99%
80.01% to 90% LTV 180 mos. 6.49%
Put your home’s value to work for you.  HOME EQUITY LOANS


 
See how a home equity loan fits into your budget. CALCULATE


 
Home Equity Line of Credit Maximum Term *As Low As APR
Up to 80% LTV 180 mos. 5.50%
80.01% to 90% LTV 180 mos. 5.75%

Thinking of tapping into your home’s equity?

FIND OUT HOW



 
See how a home equity line of credit fits into your budget? CALCULATE MY PAYMENT

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*APR = Annual Percentage Rate and can change at any time without notice. The “As Low as APR” is the interest rate that an “A+” credit-tier member would receive. A margin will be added to this rate for members whose credit score places them in a credit tier other than “A+.” Other special discounts may not be combined. Most Consumer Loans are Tier-Priced by credit score. The interest rate you receive will be based on your credit history and other factors. Speak with a representative to determine the interest rate you will receive. All loans subject to additional underwriting requirements. Kirtland Federal Credit Union is an equal housing lender. Financing available for properties in New Mexico only. Loan subject to credit approval and based on equity in home. Closing costs may vary based on transaction. Home equity loans and lines of credit are limited to 90% loan-to-value and $200,000; actual savings based on transaction amount. Special restrictions may apply; contact a representative for complete details. As with all lending services, full disclosures, terms, and conditions will be supplied with your home equity papers. Most Consumer Loans are Tier-Priced by credit score. The interest rate you receive will be based on your credit history and other factors. Speak with a representative to determine the interest rate you will receive. All loans subject to additional underwriting requirements. A member must open and maintain at least one share (savings) account with a minimum balance before any other account may be opened. 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. 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.