Routing Number: 307070050
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Kirtland Federal Credit Union logo

good mortgage!

We will never sell your loan.

Welcome to Kirtland FCU
Your Premier Mortgage Lender

This is a long-term relationship. Make your first home loan payment to Kirtland FCU, and you’ll make your final payment to us, too. We’ll never sell your loan to another lender—that’s a promise. And you don’t even have to be a member to get started!


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

We'll Never Sell Your Loan

Fixed and Adjustable Rate Mortgages

VA Mortgages

First-Time Homebuyer Program

Jumbo and Second Mortgages

You could get $650 cash back after closing!

If you’re in the market for a 15-year fixed-rate or a 15/15 adjustable rate mortgage, you may qualify to receive $650 when you close! To celebrate Kirtland FCU’s 60th anniversary, this special offer is available for a limited time.

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.

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. The $650 rebate is available on new 15-year fixed-rate and 15/15 adjustable-rate mortgage loans only processed between January 1, 2018 - September 30, 2018. The $650 rebate will be deposited into your Kirtland Federal Credit Union Savings or Checking account up to 30 days after the official closing of the loan. This offer is not available on refinances of current Kirtland Federal Credit Union loans. 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.