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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: September 1, 2020


         Automobiles & Trucks           Maximum Term *As Low As APR
2020-2016 Up to 48 mos. 2.29%
2020-2016 65 mos. 2.39%
2020-2016 75 mos. 2.69%
2020-2016 84 mos. 2.99%
2015-2013 72 mos. 3.99%
2012-2010 60 mos. 4.99%
2009-2007 Up to 48 mos. 6.99%
2006-2001 36 mos. 8.74%
Classic 2000 or older 60 mos. 9.99%
                  Motorcycles                     Maximum Term  *As Low As APR
2020 - 2018 60 mos. 6.74%
2017 or older Up to 48 mos. 7.74%
Recreational Vehicles and Boats Maximum Term *As Low As APR
2020 - 2018 180 mos. 6.99%
2017 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.


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.