Kirtland Federal Credit Union

Overview / Commentary
6440 Gibson Blvd SE
Albuquerque, NM 87108

Kirtland Federal Credit Union is headquartered in Albuquerque and is the 4th largest credit union in the state of New Mexico. It is also the 412th largest credit union in the nation. It was established in 1958 and as of December of 2020, it had grown to 142 employees and 47,285 members at 4 locations. Kirtland Federal Credit Union has an A+ health rating.

Field of Membership Restrictions

Membership in Kirtland Federal Credit Union is open to military or civilian personnel on Kirtland Air Force Base, U.S. Reserve Forces in New Mexico, the New Mexico National Guard or be an employee of several Select Employee Groups.
See current membership details

Reviews (2)

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.

Horrible Place To Bank With

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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

NCUA #12199
Year Chartered1958
Primary Regulator
Profit Margin
Return on Assets - YTD0.31%
Return on Equity - YTD2.28%
Annual Interest Income$25.7MM
Assets and Liabilities
AssetsQ4 2020vs Q4 2019$899.5MM$784.1MM
LoansQ4 2020vs Q4 2019$560.0MM$541.9MM
DepositsQ4 2020vs Q4 2019$770.7MM$660.6MM
Equity CapitalQ4 2020vs Q4 2019$119.6MM$116.0MM
Loan Loss AllowanceQ4 2020vs Q4 2019$4.2MM$3.7MM
Unbacked Noncurrent LoansQ4 2020vs Q4 2019$1.8MM$2.6MM
Real Estate OwnedQ4 2020vs Q4 2019$0$0
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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Kirtland Federal Credit Union Savings Account Rates

0.25%*$100k*-Individual Retirement Accounts
OTHER TIERS: 0.05% Up to $5k | 0.10% $5k - $25k | 0.15% $25k - $50k | 0.20% $50k - $100k
0.10%$5-Share (Savings) Accounts

Kirtland Federal Credit Union Money Market Rates

0.25%*$100k*-Insured Money Management Account
OTHER TIERS: 0.05% Up to $5k | 0.10% $5k - $25k | 0.15% $25k - $50k | 0.20% $50k - $100k

Kirtland Federal Credit Union Checking Account Rates

0.05%$500-Share Draft (Checking) Accounts
0.05%$10-Freedom-Plus Checking
0.05%$10-Military Checking

Kirtland Federal Credit Union Locations
Branch Office8900 Montgomery Blvd NEAlbuquerque, NM 87111
Branch Office6440 Gibson Blvd SEAlbuquerque, NM 87108
Branch Office10200 Corrales Rd NWAlbuquerque, NM 87114
Corporate Office1700 Louisiana Blvd NE Ste 230Albuquerque, NM 87110-7015

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