Routing Number: 307070050
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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.


EFFECTIVE: December 1, 2018


         Automobiles & Trucks           Maximum Term *As Low As APR
2018-2014 Up to 48 mos. 2.99%
2018-2014 65 mos. 3.24%
2018-2014 75 mos. 3.44%
2018-2014 84 mos. 4.14%
2013-2011 72 mos. 3.74%
2010-2008 60 mos. 4.24%
2007-2005 Up to 48 mos. 6.24%
2004-1999 36 mos. 7.99%
Classic 1998 or older 60 mos. 9.24%
                  Motorcycles                     Maximum Term  *As Low As APR
2018 - 2016 60 mos. 6.74%
2015 or older Up to 48 mos. 7.24%
Recreational Vehicles and Boats Maximum Term *As Low As APR
2018 - 2016 180 mos. 6.99%
2015 or older 120 mos. 7.49%

A Kirtland FCU vehicle loan can save you money.  FIND OUT HOW​

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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
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Stop by any of our four convenient branches to start your application.
*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. 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.