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 406th largest credit union in the nation. It was established in 1958 and as of December of 2019, it had grown to 141 employees and 47,592 members at 4 locations. Kirtland Federal Credit Union's money market rates are 14% higher than the national average, and it boasts 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
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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
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.
Data as of Q4 2019
Learn why bank health mattersHealth Grade Components
| Overall | |
|---|---|
| NCUA # | 12199 |
| Year Chartered | 1958 |
| Employees | 141 |
| Primary Regulator | |
| Profit Margin | |
|---|---|
| Return on Assets - YTD | 0.68% |
| Return on Equity - YTD | 4.6% |
| Annual Interest Income | $28.3MM |
| Assets and Liabilities | ||
|---|---|---|
| Assets | Q4 2019vs Q4 2018 | $784.1MM$789.5MM |
| Loans | Q4 2019vs Q4 2018 | $541.9MM$529.7MM |
| Deposits | Q4 2019vs Q4 2018 | $660.6MM$639.4MM |
| Equity Capital | Q4 2019vs Q4 2018 | $116.0MM$107.3MM |
| Loan Loss Allowance | Q4 2019vs Q4 2018 | $3.7MM$4.0MM |
| Unbacked Noncurrent Loans | Q4 2019vs Q4 2018 | $2.6MM$2.9MM |
| Real Estate Owned | Q4 2019vs Q4 2018 | $0$122.00K |