Routing Number: 307070050
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Kirtland Federal Credit Union logo
Your savings is the foundation for financial independence.

Save For Today

Ensure that unexpected expenses don’t threaten your financial independence.
See Your Savings Options

Save For Tomorrow

Dream bigger, save bigger. Higher-yield savings accounts can help you save faster than traditional options.
Learn About IMMA<span style="text-transform:lowercase;">s</span>

Save For The Future

College and retirement—the milestones are closer than you think. We have the tools to make sure you’re prepared.
Explore Retirement and Education Savings

Savings Accounts

Choose the savings option that fits your unique goals.

Savings Accounts

It starts simply—open a savings account with as little as $25, and start saving your way to financial independence.
Money jar

Certificates

These term savings accounts offer high interest and maximum return. Choose terms from 3 months to 60 months.
Rolls of money

IMMAs

Insured Money Management Accounts (IMMAs) offer more flexibility and a higher interest rate than traditional savings accounts.
Stacked coins

Retirement & College Savings Accounts

College and retirement are two of the biggest milestones you’ll ever save for. An IRA or ESA makes it easy to reach your goal.
Graduated piggy bank

All-Access

See, move, and control your money—however and whenever it works for you. That’s true financial independence.
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Here’s What Our Members Are Saying

William O.
Kirtland FCU is like the family and friends who come to your side, supporting your goals and future endeavors.
Testimonial
Member Since 1991
Rolando and Erin G.
Kirtland FCU is great! Friendly and reliable.
Testimonial
Member Since 1993
Mike and Tina R.
We purchased a used car for our oldest son and financed through Kirtland FCU with a very favorable rate and payment. Our son witnessed the entire transaction from dealership to funding, so it was a learning experience for him.
Testimonial
Member Since 2000
Megan O.
"Kirtland FCU's staff members are extremely friendly and are always trying to help however they can."
Testimonial
Member Since 2006
Membership eligibility required. Kirtland FCU welcomes active-duty and retired members of all branches of the U.S. military, including NM National Guard and Reserve, being 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. A Main Share (savings account) is required for membership at Kirtland FCU with a $25 minimum balance. Your savings are federally insured to at least $250,000 by the NCUA. For detailed account information and disclosures, refer to the Truth-In-Savings Disclosure and Membership and Account Agreement. Account triggered fees and charges that may be assessed against your account are disclosed in the fee schedule.