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 378th largest credit union in the nation. It was established in 1958 and as of June of 2018, it had grown to 140 employees and 49,279 members at 5 locations. Kirtland Federal Credit Union's CD rates are 44% higher than the national average, and it 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.
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Reviews (1)

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.


Health Grade Components

NCUA #12199
Year Chartered1958
Primary Regulator
Profit Margin
Return on Assets - YTD0.55%
Return on Equity - YTD4.3%
Annual Interest Income$13.9MM
Assets and Liabilities
AssetsQ2 2018vs Q2 2017$796.5MM$784.4MM
LoansQ2 2018vs Q2 2017$533.4MM$488.6MM
DepositsQ2 2018vs Q2 2017$645.5MM$628.2MM
Equity CapitalQ2 2018vs Q2 2017$102.6MM$102.3MM
Loan Loss AllowanceQ2 2018vs Q2 2017$4.2MM$3.9MM
Unbacked Noncurrent LoansQ2 2018vs Q2 2017$2.6MM$2.4MM
Real Estate OwnedQ2 2018vs Q2 2017$159.00K$0
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Always verify rates and promotions with the bank or credit union. We are not Kirtland Federal Credit Union; we are a rate comparison website and cannot provide official rates or promotions.

* 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

0.50%*$100k*-Individual Retirement Accounts
OTHER TIERS: 0.05% Up to $2k | 0.15% $2k - $5k | 0.20% $5k - $25k | 0.25% $25k - $50k | 0.35% $50k - $100k
0.10%$25-Share (Savings) Accounts

Kirtland Federal Credit Union Money Market Rates

0.50%*$100k*-Insured Money Management Account
OTHER TIERS: 0.05% Up to $2k | 0.15% $2k - $5k | 0.20% $5k - $25k | 0.25% $25k - $50k | 0.35% $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 CD Rates

2.55%*$200k*-60 Month Share Certificate
OTHER TIERS: 2.29% $500 - $5k | 2.34% $5k - $10k | 2.40% $10k - $50k | 2.45% $50k - $100k | 2.50% $100k - $200k
2.10%*$200k*-48 Month Share Certificate
OTHER TIERS: 1.85% $500 - $5k | 1.90% $5k - $10k | 1.95% $10k - $50k | 2.00% $50k - $100k | 2.05% $100k - $200k
2.05%*$200k*-36 Month Share Certificate
OTHER TIERS: 1.79% $500 - $5k | 1.85% $5k - $10k | 1.90% $10k - $50k | 1.95% $50k - $100k | 2.00% $100k - $200k
2.00%*$200k*-24 Month Share Certificate
OTHER TIERS: 1.74% $500 - $5k | 1.79% $5k - $10k | 1.85% $10k - $50k | 1.90% $50k - $100k | 1.95% $100k - $200k
1.30%*$200k*-12 Month Share Certificate
OTHER TIERS: 1.04% $500 - $5k | 1.10% $5k - $10k | 1.15% $10k - $50k | 1.20% $50k - $100k | 1.25% $100k - $200k
0.90%*$200k*-6 Month Share Certificate
OTHER TIERS: 0.65% $500 - $5k | 0.70% $5k - $10k | 0.75% $10k - $50k | 0.80% $50k - $100k | 0.85% $100k - $200k
0.60%*$200k*-3 Month Share Certificate
OTHER TIERS: 0.35% $500 - $5k | 0.40% $5k - $10k | 0.45% $10k - $50k | 0.50% $50k - $100k | 0.55% $100k - $200k

Kirtland Federal Credit Union Locations
Branch Office8900 Montgomery Blvd NEAlbuquerque, NM 87111
Branch Office3650 Sherman Ave SEKirtland AFB, NM 87117
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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