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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You’ve got the drive, we’ve got the tools. Whether you’re purchasing four tires or two, Kirtland FCU’s auto loan programs and easy management tools put you in the driver’s seat.


Let’s get off the beaten path. Kirtland FCU’s RV and boat loans are the ticket to your next adventure. And with Kirtland FCU’s friendly local service and anytime account management tools, you’re free to go—anywhere.


Hey, it’s Albuquerque! If there’s anything we know, it’s balloons. If you’re going to great heights in your next purchase with an aircraft or hot air balloon, Kirtland can help you fly.

Vehicle Loan Programs

Every loan program is backed by Kirtland FCU’s friendly, local service and account management tools that put you in the driver’s seat. So, let’s go shopping.



Auto Loans

Buy new, buy used, or refinance your current vehicle for your lowest interest rate and monthly payment. Enjoy terms up to 84 months and rates as low as 1.99% APR*.
Red sports car

1st Auto Loan for Airmen

If you’re an active member of the U.S. armed forces with little or no credit history, enjoy terms up to 75 months with rates as low as 5.94% APR*—no cosigner required.

RV and Boat Loans

Finance your recreational vehicle or boat with us, and head out on your next adventure. Terms up to 180 months allow you to keep your monthly payments low and the good times rolling (or floating).

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Motorcycle Loans

We finance two wheels, too. With flexible terms of either 48 or 60 months and rates as low as 6.74% APR*, you’ll be cruising in no time.

Balloon and Aircraft Loans

Albuquerque and hot-air balloons just go together. If you need to finance a vehicle that flies—a hot-air balloon or aircraft—come talk with us. Just promise you’ll give us a ride.
Hot Air Balloon

Payment Protection

The best laid plans can sometimes go awry. Choose from three levels of protection that can reduce or even eliminate your loan payment after an unforeseen financial hardship such as a death or job loss.
Two men
See how a new vehicle fits into your budget.CALCULATE

Ready to find your next vehicle?

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

Get Started

Three easy ways to apply.


Start your application online when it works for you—24 hours a day, 7 days a week.
Let's Go


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.
Find a Branch
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. *APR = Annual Percentage Rate. Rates effective the first of each month and are subject to change at any time without notice. Interest rates and loan funding is dependent on credit worthiness and the prime rate. Vehicle loans are dependent on the model year and down payment. No cosigner is required for the 1st time Airmen Auto Loan.