Routing Number: 307070050
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Kirtland Federal Credit Union logo

The Local Mortgage Leader

Local payments, local service, big-time buying power. This is Kirtland FCU.
Start Your Application

Welcome to Kirtland FCU
Your Premier Mortgage Lender

Master of mortgages. Hero of home buying. Leader of home-loans! Kirtland FCU can help superpower your home-buying with every major mortgage program and ALWAYS local service—you'll never send a payment out of state. Welcome home!


Choose from a wide variety of mortgage program options to fit your goals, whether you’re buying your first home or a vacation home.


It’s your dream. Build it from the ground up with a construction loan.


Save money every. Month with a lower interest rate when you refinance your existing mortgage with Kirtland FCU.

A Loan Made Just For You

With your choice of every popular mortgage program, you’ll find the loan you need with the benefits you deserve.


Zero Hidden Fees

Best Rate, No Points

Local Financing & Payments

Local Service & Expertise

Fixed and Adjustable Rate Mortgages

VA Mortgages

First-Time Homebuyer Program

Jumbo and Second Mortgages

We’re MORE Than Military!


Kirtland FCU is the home-loan leader in Albuquerque and beyond. You don’t need to be a member to start an application—if you’re buying in New Mexico, we’re ready to help you achieve home ownership. We’re for life!

Interested in today’s rate on the most popular mortgage programs? FIND MY RATE

Your New Home Is At Your Fingertips

With low interest rates, local financing, and anywhere payments, Kirtland FCU is New Mexico’s premier mortgage lender. Use our handy loan calculator to see where a mortgage would fit into your budget.

Once you’ve generated the estimate, click Save or Apply Now to send us your information. A member service representative will follow up to answer any questions or get you started.
Need a little help making your down payment? Jump Start may be able to help! LEARN HOW

Get Started Today

Your home is waiting, and you don’t even have to be a member to get started. So, let’s move!


Apply online when it’s convenient for you.



Give us a call, and a member service representative will help you get started.

CALL 1-800-880-5328


Stop by any of our four convenient branches.
Kirtland Federal Credit Union is an equal housing lender. Financing available for properties in New Mexico only. Loan subject to credit approval. As with all lending services, full disclosures, terms, and conditions will be supplied with your mortgage or home equity papers. FHA and VA mortgages are not available for condominiums, manufactured homes or investment properties. 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.