Kirtland Credit Union
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written by Ken Tumin
\r\nBanks and credit unions are battling it out for deposits...\r\nSee More\r\n
\r\nBanks and credit unions are battling it out for deposits. Competition among financial institutions provides investors a broad menu of choices when it comes to certificates of deposit (CDs). We track daily rates from thousands of institutions to help you compare the best CD rates and find the best deal on your next CD. This table compares CDs of all maturities, making it easy to find the highest CD rate regardless of term. The highest rate CD often doesn’t have the longest term.
\r\n See Less\r\nBanks and credit unions are battling it out for deposits. Competition among financial institutions provides investors a broad menu of choices when it comes to certificates of deposit (CDs). We track daily rates from thousands of institutions to help you compare the best CD rates and find the best deal on your next CD. This table compares CDs of all maturities, making it easy to find the highest CD rate regardless of term. The highest rate CD often doesn’t have the longest term.
\r\nCompare one year IRA rates from banks and credit unions. When selecting an IRA CD it's important to shop around to ensure you are getting the best rate possible. We have compiled a list of thousands of IRA CD rates throughout the country to make this process easier. Use the filter box below to customize your results. You can also read more about the IRA CD product category by clicking here or by scrolling down below this rate table.
\r\n","StateBlurb":"Compare one year fixed IRA rates available in [state]. Rates on fixed rate IRAs can vary greatly between banks. That is why we check both national and local banks every day to provide you with a wide selection of 12 month IRA rates available in [state]. If we have missed a local bank in your area please contact us and let us know by using the email link at the bottom of this page.","Active":true,"MinAmount":2000.0000,"MaxAmount":999999999.0000,"MinTerm":275,"MaxTerm":452,"AdditionalProducts":"15,14","Tags":"-youth,-club,-edu,-misc,-relationship","PageTitle":"Best IRA Rates | [date] | Compare IRA CD Rates","StatePageTitle":"[state] IRA Rates","DefaultAmount":25000.0000,"Meta":"Compare the best IRA CD rates for thousands of banks and credit unions in the U.S. to filter down to the best IRA rates available.","StateMeta":"","Article":"","ShortName":"1-year IRA","IsSectionIdNull":false,"IsNameNull":false,"IsInformaCodeNull":false,"IsUrlNull":false,"IsBlurbNull":false,"IsStateBlurbNull":false,"IsActiveNull":false,"IsMinAmountNull":false,"IsMaxAmountNull":false,"IsMinTermNull":false,"IsMaxTermNull":false,"IsAdditionalProductsNull":false,"IsTagsNull":false,"IsPageTitleNull":false,"IsStatePageTitleNull":false,"IsDefaultAmountNull":false,"IsMetaNull":false,"IsStateMetaNull":false,"IsArticleNull":false,"IsShortNameNull":false,"FullUrl":"/ira/","TagArray":[],"NegativeTagArray":["youth","club","edu","misc","relationship"]},"Ad":null,"NationalRate":3.1873,"Score":100.0},{"Account":{"CharterType":"Affiliated","CharterDmas":"","CharterAffiliations":",gov,","AdCopy":"","TrackingPixel":"","Tags":"","EstimatedEpc":0.0,"PromoText":"","BlendedApy":false,"EstimatedEarnings":0.0,"DisplayName":"24 Month IRA Certificate (Traditional, Roth, CESA)","ProductGroupId":0,"ProductGroupName":"","BankId":15710,"SectionId":4,"Id":227206,"BankUrl":"kirtland-cu.html","ProductName":"24 Month IRA Certificate","BankName":"Kirtland Credit Union","Apy":4.44,"RewardRate":0.0,"MinAmount":200000.0,"MaxAmount":999999999.0,"ClickUrl":"","LastUpdated":"2023-12-05T20:00:03.89","InstitutionType":"CU","Term":732,"MaxTerm":732,"States":"NM","OnlineStates":"","OtherAccounts":null,"TierGroups":[{"DisplayName":"Deposit Rate","Tiers":[{"Apy":4.44,"Min":200000.0,"Id":678288,"Max":999999999.0},{"Apy":4.39,"Min":100000.0,"Id":678287,"Max":199999.99},{"Apy":4.33,"Min":50000.0,"Id":678286,"Max":99999.99},{"Apy":4.28,"Min":10000.0,"Id":678285,"Max":49999.99},{"Apy":4.23,"Min":5000.0,"Id":678284,"Max":9999.99},{"Apy":4.18,"Min":500.0,"Id":678283,"Max":4999.99}],"Id":157782,"Tags":"","TierType":"deposit"}],"HqRates":false,"Ewp":0,"Variants":"Traditional,Roth,CESA","ReviewCount":3,"HasLogo":true,"FederallyInsured":true,"CuOpenStates":"","DmaCodes":",790,","Locations":10,"HasSelectedTier":false},"ComparisonAccount":null,"Product":{"Id":18,"SectionId":4,"Name":"2 Year IRA Rates","InformaCode":"DP04005","Url":"2-year-ira-rates.html","Blurb":"Compare rates on 2 year IRAs from banks and credit unions. Use the filter box below to customize your results. Click here to learn more about 2-year IRA CDs and how they can be a beneficial tool in your retirement strategy.
\r\n","StateBlurb":"Compare two year fixed IRA rates available in [state]. Rates on fixed rate IRAs can vary greatly between banks. That is why we check both national and local banks every day to provide you with a wide selection of 24 month IRA rates available in [state]. If we have missed a local bank in your area please contact us and let us know by using the email link at the bottom of this page.","Active":true,"MinAmount":2000.0000,"MaxAmount":999999999.0000,"MinTerm":636,"MaxTerm":905,"AdditionalProducts":"17,16,15,14","Tags":"-youth,-club,-edu,-misc,-relationship","PageTitle":"2 Year Individual Retirement Accounts - Compare 2 year IRA rates","StatePageTitle":"[state] 2 Year IRA Rates","DefaultAmount":25000.0000,"Meta":"","StateMeta":"","Article":"","ShortName":"2-year IRA","IsSectionIdNull":false,"IsNameNull":false,"IsInformaCodeNull":false,"IsUrlNull":false,"IsBlurbNull":false,"IsStateBlurbNull":false,"IsActiveNull":false,"IsMinAmountNull":false,"IsMaxAmountNull":false,"IsMinTermNull":false,"IsMaxTermNull":false,"IsAdditionalProductsNull":false,"IsTagsNull":false,"IsPageTitleNull":false,"IsStatePageTitleNull":false,"IsDefaultAmountNull":false,"IsMetaNull":false,"IsStateMetaNull":false,"IsArticleNull":false,"IsShortNameNull":false,"FullUrl":"/ira/2-year-ira-rates.html","TagArray":[],"NegativeTagArray":["youth","club","edu","misc","relationship"]},"Ad":null,"NationalRate":2.7056,"Score":100.0},{"Account":{"CharterType":"Affiliated","CharterDmas":"","CharterAffiliations":",gov,","AdCopy":"","TrackingPixel":"","Tags":"","EstimatedEpc":0.0,"PromoText":"","BlendedApy":false,"EstimatedEarnings":0.0,"DisplayName":"36 Month IRA Certificate (Traditional, Roth, CESA)","ProductGroupId":0,"ProductGroupName":"","BankId":15710,"SectionId":4,"Id":227207,"BankUrl":"kirtland-cu.html","ProductName":"36 Month IRA Certificate","BankName":"Kirtland Credit Union","Apy":4.44,"RewardRate":0.0,"MinAmount":200000.0,"MaxAmount":999999999.0,"ClickUrl":"","LastUpdated":"2023-12-05T20:00:03.89","InstitutionType":"CU","Term":1098,"MaxTerm":1098,"States":"NM","OnlineStates":"","OtherAccounts":null,"TierGroups":[{"DisplayName":"Deposit Rate","Tiers":[{"Apy":4.44,"Min":200000.0,"Id":678300,"Max":999999999.0},{"Apy":4.39,"Min":100000.0,"Id":678299,"Max":199999.99},{"Apy":4.33,"Min":50000.0,"Id":678298,"Max":99999.99},{"Apy":4.28,"Min":10000.0,"Id":678297,"Max":49999.99},{"Apy":4.23,"Min":5000.0,"Id":678296,"Max":9999.99},{"Apy":4.18,"Min":500.0,"Id":678295,"Max":4999.99}],"Id":197891,"Tags":"","TierType":"deposit"}],"HqRates":false,"Ewp":0,"Variants":"Traditional,Roth,CESA","ReviewCount":3,"HasLogo":true,"FederallyInsured":true,"CuOpenStates":"","DmaCodes":",790,","Locations":10,"HasSelectedTier":false},"ComparisonAccount":null,"Product":{"Id":19,"SectionId":4,"Name":"3 Year IRA Rates","InformaCode":"DP04006","Url":"3-year-ira-rates.html","Blurb":"Compare rates on 3 year IRAs from banks and credit unions. Use the filter box below to customize your results. Click here to learn more about 3-year IRA CDs and how they can be a beneficial tool in your retirement strategy.
\r\n","StateBlurb":"Compare three year fixed IRA rates available in [state]. Rates on fixed rate IRAs can vary greatly between banks. That is why we check both national and local banks every day to provide you with a wide selection of 36 month IRA rates available in [state]. If we have missed a local bank in your area please contact us and let us know by using the email link at the bottom of this page.","Active":true,"MinAmount":2000.0000,"MaxAmount":999999999.0000,"MinTerm":906,"MaxTerm":1267,"AdditionalProducts":"18,17,16,15,14","Tags":"-youth,-club,-edu,-misc,-relationship","PageTitle":"3 Year Individual Retirement Accounts - Compare 3 year IRA rates","StatePageTitle":"[state] 3 Year IRA Rates","DefaultAmount":25000.0000,"Meta":"","StateMeta":"","Article":"","ShortName":"3-year IRA","IsSectionIdNull":false,"IsNameNull":false,"IsInformaCodeNull":false,"IsUrlNull":false,"IsBlurbNull":false,"IsStateBlurbNull":false,"IsActiveNull":false,"IsMinAmountNull":false,"IsMaxAmountNull":false,"IsMinTermNull":false,"IsMaxTermNull":false,"IsAdditionalProductsNull":false,"IsTagsNull":false,"IsPageTitleNull":false,"IsStatePageTitleNull":false,"IsDefaultAmountNull":false,"IsMetaNull":false,"IsStateMetaNull":false,"IsArticleNull":false,"IsShortNameNull":false,"FullUrl":"/ira/3-year-ira-rates.html","TagArray":[],"NegativeTagArray":["youth","club","edu","misc","relationship"]},"Ad":null,"NationalRate":2.5188,"Score":100.0},{"Account":{"CharterType":"Affiliated","CharterDmas":"","CharterAffiliations":",gov,","AdCopy":"","TrackingPixel":"","Tags":"","EstimatedEpc":0.0,"PromoText":"","BlendedApy":false,"EstimatedEarnings":0.0,"DisplayName":"48 Month IRA Certificate (Traditional, Roth, CESA)","ProductGroupId":0,"ProductGroupName":"","BankId":15710,"SectionId":4,"Id":227208,"BankUrl":"kirtland-cu.html","ProductName":"48 Month IRA Certificate","BankName":"Kirtland Credit Union","Apy":3.3,"RewardRate":0.0,"MinAmount":200000.0,"MaxAmount":999999999.0,"ClickUrl":"","LastUpdated":"2023-12-05T20:00:03.89","InstitutionType":"CU","Term":1464,"MaxTerm":1464,"States":"NM","OnlineStates":"","OtherAccounts":null,"TierGroups":[{"DisplayName":"Deposit Rate","Tiers":[{"Apy":3.3,"Min":200000.0,"Id":678306,"Max":999999999.0},{"Apy":3.25,"Min":100000.0,"Id":678305,"Max":199999.99},{"Apy":3.2,"Min":50000.0,"Id":678304,"Max":99999.99},{"Apy":3.14,"Min":10000.0,"Id":678303,"Max":49999.99},{"Apy":3.09,"Min":5000.0,"Id":678302,"Max":9999.99},{"Apy":3.04,"Min":500.0,"Id":678301,"Max":4999.99}],"Id":126362,"Tags":"","TierType":"deposit"}],"HqRates":false,"Ewp":0,"Variants":"Traditional,Roth,CESA","ReviewCount":3,"HasLogo":true,"FederallyInsured":true,"CuOpenStates":"","DmaCodes":",790,","Locations":10,"HasSelectedTier":false},"ComparisonAccount":null,"Product":{"Id":20,"SectionId":4,"Name":"4 Year IRA Rates","InformaCode":"DP04007","Url":"4-year-ira-rates.html","Blurb":"Compare rates on 4 year IRAs from banks and credit unions. Use the filter box below to customize your results. Click here to learn more about 4-year IRA CDs and how they can be a beneficial tool in your retirement strategy.
\r\n","StateBlurb":"Compare four year fixed IRA rates available in [state]. Rates on fixed rate IRAs can vary greatly between banks. That is why we check both national and local banks every day to provide you with a wide selection of 48 month IRA rates available in [state]. If we have missed a local bank in your area please contact us and let us know by using the email link at the bottom of this page.","Active":true,"MinAmount":2000.0000,"MaxAmount":999999999.0000,"MinTerm":1268,"MaxTerm":1630,"AdditionalProducts":"19,18,17,16,15,14","Tags":"-youth,-club,-edu,-misc,-relationship","PageTitle":"4 Year Individual Retirement Accounts - Compare 4 year IRA rates","StatePageTitle":"[state] 4 Year IRA Rates","DefaultAmount":25000.0000,"Meta":"","StateMeta":"","Article":"","ShortName":"4-year IRA","IsSectionIdNull":false,"IsNameNull":false,"IsInformaCodeNull":false,"IsUrlNull":false,"IsBlurbNull":false,"IsStateBlurbNull":false,"IsActiveNull":false,"IsMinAmountNull":false,"IsMaxAmountNull":false,"IsMinTermNull":false,"IsMaxTermNull":false,"IsAdditionalProductsNull":false,"IsTagsNull":false,"IsPageTitleNull":false,"IsStatePageTitleNull":false,"IsDefaultAmountNull":false,"IsMetaNull":false,"IsStateMetaNull":false,"IsArticleNull":false,"IsShortNameNull":false,"FullUrl":"/ira/4-year-ira-rates.html","TagArray":[],"NegativeTagArray":["youth","club","edu","misc","relationship"]},"Ad":null,"NationalRate":2.4552,"Score":100.0},{"Account":{"CharterType":"Affiliated","CharterDmas":"","CharterAffiliations":",gov,","AdCopy":"","TrackingPixel":"","Tags":"","EstimatedEpc":0.0,"PromoText":"","BlendedApy":false,"EstimatedEarnings":0.0,"DisplayName":"60 Month IRA Certificate (Traditional, Roth, CESA)","ProductGroupId":0,"ProductGroupName":"","BankId":15710,"SectionId":4,"Id":227209,"BankUrl":"kirtland-cu.html","ProductName":"60 Month IRA Certificate","BankName":"Kirtland Credit Union","Apy":3.3,"RewardRate":0.0,"MinAmount":200000.0,"MaxAmount":999999999.0,"ClickUrl":"","LastUpdated":"2023-12-05T20:00:03.89","InstitutionType":"CU","Term":1830,"MaxTerm":1830,"States":"NM","OnlineStates":"","OtherAccounts":null,"TierGroups":[{"DisplayName":"Deposit Rate","Tiers":[{"Apy":3.3,"Min":200000.0,"Id":678318,"Max":999999999.0},{"Apy":3.25,"Min":100000.0,"Id":678317,"Max":199999.99},{"Apy":3.2,"Min":50000.0,"Id":678316,"Max":99999.99},{"Apy":3.14,"Min":10000.0,"Id":678315,"Max":49999.99},{"Apy":3.09,"Min":5000.0,"Id":678314,"Max":9999.99},{"Apy":3.04,"Min":500.0,"Id":678313,"Max":4999.99}],"Id":166580,"Tags":"","TierType":"deposit"}],"HqRates":false,"Ewp":0,"Variants":"Traditional,Roth,CESA","ReviewCount":3,"HasLogo":true,"FederallyInsured":true,"CuOpenStates":"","DmaCodes":",790,","Locations":10,"HasSelectedTier":false},"ComparisonAccount":null,"Product":{"Id":21,"SectionId":4,"Name":"5 Year IRA Rates","InformaCode":"DP04008","Url":"5-year-ira-rates.html","Blurb":"Compare rates on 5 year IRAs from banks and credit unions. Use the filter box below to customize your results. Scroll down below the rate table or click here if you would like to read an overview of the IRA CD product category and some discussion of a common strategy around longer-term IRA CD products.
\r\n","StateBlurb":"Compare 5 year fixed IRA rates available in [state]. Rates on fixed rate IRAs can vary greatly between banks. That is why we check both national and local banks every day to provide you with a wide selection of 60 month IRA rates available in [state]. If we have missed a local bank in your area please contact us and let us know by using the email link at the bottom of this page.","Active":true,"MinAmount":2000.0000,"MaxAmount":999999999.0000,"MinTerm":1631,"MaxTerm":1983,"AdditionalProducts":"20,19,18,17,16,15,14","Tags":"-youth,-club,-edu,-misc,-relationship","PageTitle":"5 Year Individual Retirement Accounts - Compare 5 year IRA rates","StatePageTitle":"[state] 5 Year IRA Rates","DefaultAmount":25000.0000,"Meta":"","StateMeta":"","Article":"","ShortName":"5-year IRA","IsSectionIdNull":false,"IsNameNull":false,"IsInformaCodeNull":false,"IsUrlNull":false,"IsBlurbNull":false,"IsStateBlurbNull":false,"IsActiveNull":false,"IsMinAmountNull":false,"IsMaxAmountNull":false,"IsMinTermNull":false,"IsMaxTermNull":false,"IsAdditionalProductsNull":false,"IsTagsNull":false,"IsPageTitleNull":false,"IsStatePageTitleNull":false,"IsDefaultAmountNull":false,"IsMetaNull":false,"IsStateMetaNull":false,"IsArticleNull":false,"IsShortNameNull":false,"FullUrl":"/ira/5-year-ira-rates.html","TagArray":[],"NegativeTagArray":["youth","club","edu","misc","relationship"]},"Ad":null,"NationalRate":2.5455,"Score":100.0},{"Account":{"CharterType":"Affiliated","CharterDmas":"","CharterAffiliations":",gov,","AdCopy":"","TrackingPixel":"","Tags":"","EstimatedEpc":0.0,"PromoText":"","BlendedApy":false,"EstimatedEarnings":0.0,"DisplayName":"Share (Savings) Accounts","ProductGroupId":0,"ProductGroupName":"","BankId":15710,"SectionId":2,"Id":257346,"BankUrl":"kirtland-cu.html","ProductName":"Share (Savings) Accounts","BankName":"Kirtland Credit Union","Apy":0.1,"RewardRate":0.0,"MinAmount":5.0,"MaxAmount":999999999.0,"ClickUrl":"","LastUpdated":"2023-12-05T19:59:11.493","InstitutionType":"CU","Term":0,"MaxTerm":0,"States":"NM","OnlineStates":"","OtherAccounts":null,"TierGroups":[{"DisplayName":"Deposit Rate","Tiers":[{"Apy":0.1,"Min":5.0,"Id":559848,"Max":999999999.0},{"Apy":0.1,"Min":5.0,"Id":559849,"Max":999.99}],"Id":3043,"Tags":"","TierType":"deposit"}],"HqRates":false,"Ewp":0,"Variants":"","ReviewCount":3,"HasLogo":true,"FederallyInsured":true,"CuOpenStates":"","DmaCodes":",790,","Locations":10,"HasSelectedTier":false},"ComparisonAccount":null,"Product":{"Id":9,"SectionId":2,"Name":"Best High Yield Savings Accounts","InformaCode":"DP02001","Url":"","Blurb":"written by Ken Tumin
\r\nInterest rates on savings accounts vary greatly, which means you need to shop around to find your best rate available. It’s possible to find rates over 5.25%, while the average savings account rate stands at around 0.48% (as of November 2023). This is why we check rates daily at more than 5,000 U.S. banks and credit unions, to make it easy for you to gain the best possible return on your savings. The savings account table below allows you to compare savings account rates offered by financial institutions such as online banks, credit unions, community banks and the big nationwide banks.
\r\n","StateBlurb":"Compare rates on personal savings accounts in [state]. We check both the national banks and local banks in [state] every day to provide you with the most current savings account rates available in your area. If there is a local bank you would like to see listed here, let us know and we'll do our best to add it.","Active":true,"MinAmount":0.0000,"MaxAmount":24999.9900,"MinTerm":0,"MaxTerm":0,"AdditionalProducts":"","Tags":"-business,-health,-edu,-youth,-club,-retirement,-reward,-misc,-relationship","PageTitle":"High Yield Savings Accounts – Daily Rates | DepositAccounts","StatePageTitle":"[state] Savings Account Rates","DefaultAmount":25000.0000,"Meta":"Compare savings accounts from banks and credit unions across the country and see who's currently offering the best savings account rates.","StateMeta":"","Article":"","ShortName":"Savings","IsSectionIdNull":false,"IsNameNull":false,"IsInformaCodeNull":false,"IsUrlNull":false,"IsBlurbNull":false,"IsStateBlurbNull":false,"IsActiveNull":false,"IsMinAmountNull":false,"IsMaxAmountNull":false,"IsMinTermNull":false,"IsMaxTermNull":false,"IsAdditionalProductsNull":false,"IsTagsNull":false,"IsPageTitleNull":false,"IsStatePageTitleNull":false,"IsDefaultAmountNull":false,"IsMetaNull":false,"IsStateMetaNull":false,"IsArticleNull":false,"IsShortNameNull":false,"FullUrl":"/savings/","TagArray":[],"NegativeTagArray":["business","health","edu","youth","club","retirement","reward","misc","relationship"]},"Ad":null,"NationalRate":0.4928,"Score":50.0},{"Account":{"CharterType":"Affiliated","CharterDmas":"","CharterAffiliations":",gov,","AdCopy":"","TrackingPixel":"","Tags":"","EstimatedEpc":0.0,"PromoText":"","BlendedApy":false,"EstimatedEarnings":0.0,"DisplayName":"Insured Money Management Account","ProductGroupId":0,"ProductGroupName":"","BankId":15710,"SectionId":5,"Id":129168,"BankUrl":"kirtland-cu.html","ProductName":"Insured Money Management Account","BankName":"Kirtland Credit Union","Apy":2.0,"RewardRate":0.0,"MinAmount":100000.0,"MaxAmount":999999999.0,"ClickUrl":"","LastUpdated":"2023-12-05T19:59:11.493","InstitutionType":"CU","Term":0,"MaxTerm":0,"States":"NM","OnlineStates":"","OtherAccounts":null,"TierGroups":[{"DisplayName":"Deposit Rate","Tiers":[{"Apy":2.0,"Min":100000.0,"Id":559873,"Max":999999999.0},{"Apy":1.25,"Min":50000.0,"Id":559874,"Max":99999.99},{"Apy":1.2,"Min":25000.0,"Id":559875,"Max":49999.99},{"Apy":1.1,"Min":2000.0,"Id":559876,"Max":24999.99},{"Apy":1.1,"Min":2000.0,"Id":559877,"Max":4999.99},{"Apy":1.0,"Min":0.0,"Id":559878,"Max":1999.99}],"Id":241582,"Tags":"","TierType":"deposit"}],"HqRates":false,"Ewp":0,"Variants":"","ReviewCount":3,"HasLogo":true,"FederallyInsured":true,"CuOpenStates":"","DmaCodes":",790,","Locations":10,"HasSelectedTier":false},"ComparisonAccount":null,"Product":{"Id":22,"SectionId":5,"Name":"Money Market Accounts","InformaCode":"DP02001","Url":"","Blurb":"written by Ken Tumin | Updated on September 21, 2022
\r\nA money market account (MMA) has a unique set of features that makes it a hybrid of a savings account and a checking account. Money market accounts offer high interest rates, and also easy access to your money.
\r\n\r\nThe money market accounts listed in the table below are sorted according to rates, from highest to lowest. This table lets you compare money market accounts from banks and credit unions — use the filter box to customize your results. Read on to learn more about the history, distinct features and benefits of these accounts.
\r\n","StateBlurb":"Compare rates on [state] money market accounts. Every day, we check both the national banks and regional banks in [state] to provide you with the most current money market rates available. We try hard to list as many local banks as possible so if there is one you would like to see listed here, please let us know and we'll do our best to add it. ","Active":true,"MinAmount":10000.0000,"MaxAmount":24999.9900,"MinTerm":0,"MaxTerm":0,"AdditionalProducts":"","Tags":"-business,-youth,-club,-edu,-retirement,-misc,-relationship","PageTitle":"Money Market Account Rates in [date] | DepositAccounts","StatePageTitle":"[state] Money Market Accounts","DefaultAmount":10000.0000,"Meta":"Compare money market account rates on more than 14,000 of the most popular banks and credit unions in the U.S. Discover which institutiuons currently offer the best money market accounts.","StateMeta":"","Article":"","ShortName":"Money Market","IsSectionIdNull":false,"IsNameNull":false,"IsInformaCodeNull":false,"IsUrlNull":false,"IsBlurbNull":false,"IsStateBlurbNull":false,"IsActiveNull":false,"IsMinAmountNull":false,"IsMaxAmountNull":false,"IsMinTermNull":false,"IsMaxTermNull":false,"IsAdditionalProductsNull":false,"IsTagsNull":false,"IsPageTitleNull":false,"IsStatePageTitleNull":false,"IsDefaultAmountNull":false,"IsMetaNull":false,"IsStateMetaNull":false,"IsArticleNull":false,"IsShortNameNull":false,"FullUrl":"/moneymarket/","TagArray":[],"NegativeTagArray":["business","youth","club","edu","retirement","misc","relationship"]},"Ad":null,"NationalRate":0.8401,"Score":20.0},{"Account":{"CharterType":"Affiliated","CharterDmas":"","CharterAffiliations":",gov,","AdCopy":"","TrackingPixel":"","Tags":"","EstimatedEpc":0.0,"PromoText":"","BlendedApy":false,"EstimatedEarnings":0.0,"DisplayName":"e-Checking","ProductGroupId":0,"ProductGroupName":"","BankId":15710,"SectionId":3,"Id":309247,"BankUrl":"kirtland-cu.html","ProductName":"e-Checking","BankName":"Kirtland Credit Union","Apy":0.05,"RewardRate":0.0,"MinAmount":10.0,"MaxAmount":999999999.0,"ClickUrl":"","LastUpdated":"2023-12-05T19:59:49.13","InstitutionType":"CU","Term":0,"MaxTerm":0,"States":"NM","OnlineStates":"","OtherAccounts":null,"TierGroups":[{"DisplayName":"Deposit Rate","Tiers":[{"Apy":0.05,"Min":10.0,"Id":563202,"Max":999999999.0}],"Id":243104,"Tags":"","TierType":"deposit"}],"HqRates":false,"Ewp":0,"Variants":"","ReviewCount":3,"HasLogo":true,"FederallyInsured":true,"CuOpenStates":"","DmaCodes":",790,","Locations":10,"HasSelectedTier":false},"ComparisonAccount":null,"Product":{"Id":13,"SectionId":3,"Name":"Standard Checking Accounts","InformaCode":"DP01001","Url":"","Blurb":"written by Ken Tumin | Updated on September 21, 2022
\r\nChecking accounts are a dime a dozen. Banking institutions offer checking accounts with branding such as Gold, Silver, Green, High Interest, Free, Student, Sports Teams, etc. The vast majority of Americans have, at some point, opened a checking account at one of the 14,000+ banking institutions across the country. The abundance of choices represents bonus features that accompany the primary purpose of checking: to provide security for cash and easy access to funds when needed to complete a transaction.
\r\n\r\nBut which do you choose? Compare personal checking accounts from banks and credit unions. Below, you’ll also find some of the history, features and benefits of checking accounts.
\r\n","StateBlurb":"Compare rates on personal checking accounts in [state].. Our system checks the rates of many national banks as well as regional banks in [state] every day to provide you with a single list of current interest bearing checking account rates in your area. If we have missed a local bank in your area please let us know by using the email link below.","Active":true,"MinAmount":100.0000,"MaxAmount":999999999.0000,"MinTerm":0,"MaxTerm":0,"AdditionalProducts":"","Tags":"-reward,-business,-health,-youth,-club,-misc,-relationship,-cashback","PageTitle":"Compare Checking Account Rates in [date] | DepositAccounts","StatePageTitle":"[state] Checking Account Rates","DefaultAmount":10000.0000,"Meta":"Compare checking account rates for thousands of banks and credit unions across the country and discover which have the best checking accounts available.","StateMeta":"","Article":"","ShortName":"Checking","IsSectionIdNull":false,"IsNameNull":false,"IsInformaCodeNull":false,"IsUrlNull":false,"IsBlurbNull":false,"IsStateBlurbNull":false,"IsActiveNull":false,"IsMinAmountNull":false,"IsMaxAmountNull":false,"IsMinTermNull":false,"IsMaxTermNull":false,"IsAdditionalProductsNull":false,"IsTagsNull":false,"IsPageTitleNull":false,"IsStatePageTitleNull":false,"IsDefaultAmountNull":false,"IsMetaNull":false,"IsStateMetaNull":false,"IsArticleNull":false,"IsShortNameNull":false,"FullUrl":"/checking/","TagArray":[],"NegativeTagArray":["reward","business","health","youth","club","misc","relationship","cashback"]},"Ad":null,"NationalRate":0.2458,"Score":20.0}];Kirtland Credit Union is headquartered in Albuquerque and is the 6th largest credit union in the state of New Mexico. It is also the 402nd largest credit union in the nation. It was established in 1958 and as of June of 2023, it had grown to 180 employees and 51,704 members at 10 locations. Kirtland Credit Union's CD rates are 6X the national average, and it has an A health rating.
Field of Membership Restrictions
Membership in Kirtland Federal Credit Union is open to 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 current membership details
Took Us When Noone Else Would
When I got my first car on my own, the dealership had picked out Kirtland FCU as the bank to finance our loan. I kind of got stuck with this bank, but I feel as it chose me. I do like their e checking account, I also like they have cash back options for just debit. This is a good bank for someone who likes Starbucks or Panera Bread since those are two restaurants that they give cash back on if you use their debit card with them. My auto loan rates were reasonable, even when I had trouble with my credit scores later on. I would say the downside is there are only 3 locations in Albuquerque compared to some other credit unions in town. But overall I do enjoy this bank and recommend them for any loans or checking accounts you would need.
Be Aware Of KFCU!
I am a past member of KFCU who left KFCU because I was not satisfied with their services as well as their changing attitude toward members. This was back in the 1990s. Current day I am dealing with my parent’s estate of which the bank accounts are at KFCU. KFCU placed a freeze on their accounts after my mother died, both my mother and father were gone at this point, which is normal procedure and I have no problem with. The problems began after my sister, and I were made co-representatives of the estate by the court. First, they will not accept or recognize a court order. KFCU has their own law (Be Aware!) and their own way of doing things irrespective of the law. We had to go through a long process to get the accounts open as estate accounts. They required us to open an estate account for each parent. I had to sign a signature card to allow this to happen. I have never had access in anyway to the two estate accounts since the day all of my parent’s assets were divided up into estate accounts. Only my sister has access which is troubling because we have never been close. Since March my sister has had total access to my parent’s accounts, I have been left in the dark. I have talked to at least eight people who work for KFCU who have stone cold refused to grant me access to the accounts even though in the eyes of the court I am equal to my sister. I was told to my face in person that only one person can have access the accounts. That there was nothing KFCU could do. I have a bank account with my wife, and we have separate logins for our joint account so what KFCU says is an outright discriminatory and unfair. Those sitting in the boardroom of KFCU making all rules obviously have no regard for members, least of all non-members whatsoever as they constantly undermine customer service with protocols and discriminatory practices that supersede customer service, basically destroying customer service in lieu of paranoia. They have taken paranoia to stratospheric levels making it extraordinarily difficult to deal with KFCU or work with them at all. I am now in a position where I am in the dark in terms of my parent’s accounts until the estate closes, I have no recourse. I have no idea what has happened to KFCU as at one time they were a decent credit union. KFCU has changed for worst, and I would never recommend KFCU to anyone. They have been cold and unresponsive, unwilling to help me at all. The few times I have visited a branch I felt uncomfortable, most recently never able to complete a transaction due to unfair and discriminatory practices due managerial paranoia. I realize there are bad people out there doing bad things but to punish everyone for the nefarious deeds of these people is unfair in the least nor is this good business. Business used to be done with a handshake but not any longer those days are over trust no longer exists. Being in business is a risky proposition for which there are no cures, but to hide behind paranoia and discriminatory protocols is not the answer. Business about service not finding way to avoid service. Be wary of dealing with KFCU, if you can avoid dealing with KFCU the better. It is scary what KFCU has become.
Horrible Place To Bank With
Do not get a bank account here. They will screw you out of your money and purposely take your account negative so you have to pay out more. I worked closing with KFCU regarding a charge that I did not receive the items for. I was told by the company to dispute the charge with my bank. I did so and filled out all the necessary paperwork needed to dispute the charge meanwhile never told that the credit could be reversed if the merchant deposited funds. The merchant did just that and with no notification or call, KFCU reversed their credit and took my account negative $60. This has been one of multiple problems I have had with this credit union. Go to Mountain America. DO NOT TRUST THIS BANK. They are shady and worse than Wells Fargo and take pride in screwing over military families.
Health Grade Components
| Overall | |
|---|---|
| NCUA # | 12199 |
| Year Chartered | 1958 |
| Employees | 180 |
| Primary Regulator | |
| Profit Margin | |
|---|---|
| Return on Assets - YTD | 0.1% |
| Return on Equity - YTD | 0.96% |
| Annual Interest Income | $25.0MM |
| Assets and Liabilities | ||
|---|---|---|
| Assets | Q2 2023vs Q2 2022 | $1.09B$990.6MM |
| Loans | Q2 2023vs Q2 2022 | $817.9MM$698.4MM |
| Deposits | Q2 2023vs Q2 2022 | $875.2MM$843.2MM |
| Equity Capital | Q2 2023vs Q2 2022 | $107.6MM$110.8MM |
| Loan Loss Allowance | Q2 2023vs Q2 2022 | $0$3.8MM |
| Unbacked Noncurrent Loans | Q2 2023vs Q2 2022 | $2.9MM$1.3MM |
| Real Estate Owned | Q2 2023vs Q2 2022 | $0$0 |