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
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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: May 1, 2021


         Automobiles & Trucks           Maximum Term *As Low As APR
2021-2017 Up to 48 mos. 1.99%
2021-2017 65 mos. 2.29%
2021-2017 75 mos. 2.49%
2021-2017 84 mos. 2.59%
2016-2014 72 mos. 3.69%
2013-2011 60 mos. 4.89%
2010-2008 Up to 48 mos. 6.89%
2007-2002 36 mos. 8.74%
Classic 2001 or older 60 mos. 9.99%
                  Motorcycles                     Maximum Term  *As Low As APR
2021 - 2019 60 mos. 6.74%
2018 or older Up to 48 mos. 7.74%
Recreational Vehicles and Boats Maximum Term *As Low As APR
2021 - 2019 180 mos. 5.99%
2018 or older 120 mos. 6.49%

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

Calculate Your Payment LET’S GO

Ready to find your next vehicle?

No need to head to the dealership. You're already here! Shopping in slippers is more fun, anyway.

Ready to Apply? Let's Get Started

Three easy ways to apply.


Apply online, any time!


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.