Kirtland FCU Boosts All Share Certificate Rates


Availability: Nationwide with military affiliation

New Year’s Day saw Kirtland Federal Credit Union (KFCU) boosting the rates on most of its Share Certificates, with increases ranging from 14 to 27 basis points (bps).

All of KFCU’s Share Certificates have tiered APYs for six different deposit levels.

  • $500 – base APY
  • $5k – base APY + 5 bps
  • $10k – base APY + 10 bps
  • $50k – base APY + 15 bps
  • $100k – base APY + 25 bps
  • $200k – base APY + 35 bps
  • The Share Certificates are also offered as IRAs (Traditional), earning the same tiered APYs and with the same funding requirements.

    According to CSR, the Early Withdrawal Penalty (EWP) for the 24-, 36-, 48-, and 60-month Share Certificates is 180 days, with an EWP of 90 days for the 12-month Share Certificate.


    Headquartered in Albuquerque, New Mexico, Kirtland Federal Credit Union’s field of membership (FOM) is primarily affiliated with Kirtland Air Force Base (KAFB), but also includes “Veterans who are eligible to join organizations such as the American Legion and Veterans of Foreign Wars (VFW).”

    According to CSR, any military personnel, active or retired, are eligible to join, regardless if they have a relationship with KAFB or not.

    Employment: Employees and retirees of more than 85 SEGs are eligible for membership. Base contractors, employees, and retirees of more than 90 businesses under contract with KAFB also qualify.

    Relationship: Family members of membership-eligible individuals qualify for membership.

    There are other ways to qualify for membership, which are listed on the Join Kirtland FCU page.

    Joining Kirtland FCU and/or opening a Share Certificate can be done online, or at any of four New Mexico branches located in Albuquerque (3) and on Kirtland AFB.

    Credit Union Overview

    Kirtland Federal Credit Union (NCUA Charter # 12199) has an overall health grade of "A+" at, with a Texas ratio of 4.54% (excellent) based on September 30, 2016 data. In the past year, Kirtland FCU has increased its total non-brokered deposits by $33.26 million, an excellent growth rate of 5.8%. Please refer to our financial overview of SafeAmerica Credit Union for more details.

    Established in 1958 by ten KAFB airmen, Kirtland Federal Credit Union is currently New Mexico’s fourth largest credit union, with more than 46,70 members and assets in excess of $763 million. An October article in CreditUnionTimes states that,

    New Mexico’s fourth largest credit union by assets, the $763 million Kirtland Federal Credit Union, said Thursday it intends to merge into the $2.3 billion Sandia Laboratory Federal Credit Union, the state’s largest credit union by assets.

    Although the proposed merger was approved by both of the credit union’s boards of directors, the cooperatives have begun a “more in-depth process to evaluate the possibility of combining the two organization,” according to a prepared statement.

    How the Share Certificates Compare

    Since Kirtland FCU’s FOM is based on a military relationship and not tied to a specific geographic area, a comparison to nationally available CDs is appropriate.

    When compared to the similar length-of-term CDs tracked by that are available nationally, all of Kirtland Federal Credit Union’s 36-month Share Certificate APYs currently equal or surpass the top four APYs, regardless of minimum deposit.

    When compared to the similar length-of-term CDs tracked by that are available nationally, all of Kirtland Federal Credit Union’s 48-month Share Certificate APYs currently equal or surpass the top APY, regardless of minimum deposit.

    When compared to the similar length-of-term CDs tracked by that are available nationally, all of Kirtland Federal Credit Union’s 60-month Share Certificate APYs currently equal or surpass the top five APYs, regardless of minimum deposit.

    The above rates are accurate as of 1/4/2017.

    To look for the best CD rates, both nationwide and state specific, please refer to our CD rates table or our Rates Map page.

      |     |   Comment #1
    It is noteworthy that the FOM includes persons "eligible" to join the American Legion. Any veteran who served at least one day during one of the Legion's "eligibility periods" is "eligible to join". To find out if you are eligible, go to the Legion's application page. Scroll down to the bottom. You will find a drop-down menu with eligibility periods.
      |     |   Comment #2
    No CDs unless $200K is that what I'm reading? No CD below $200K. Weird.
      |     |   Comment #3
    I misread the CU url site for various...sorry...last time today
      |     |   Comment #4
    Kirtland is merging with Santia in 2017 not accepting jumbo cds
      |     |   Comment #5
    Pongli, kindly clarify. I just checked the credit union's home page, and the 2.6% rate for a 5-year ($200K+) still seems available.
      |     |   Comment #6
    Sandia is seeking to acquire Kirkland (with Kirkland member approval) and be the surviving institution. Sandia has locations in Northern CA and New Mexico. They maintain a similar CD tier structure with max rates at 200K but only their longest term is only four years. They allow add-ons to IRA / Roth CDs.
      |     |   Comment #7
    The information about the merger with Sandia Labs FCU is out of date; the merger was called off in summer of 2017.
    6.00% 14-Month CD at a New Mexico CU - $100K (Kirtland).
    Kirtland FCU has a special 14-month share certificates with rates as high as 6.00% APY. The 6.00% APY requires a $100K minimum deposit, 5.70% APY requires a $50K minimum and a 5.60% APY requires a $10K minimum. This also requires a checking account with direct deposit. Without the checking account and direct deposit, the rates are 0.25% less. The rates are effective through 12/30/06.

    The field of membership includes military and civilian personnel assigned to Kirtland Air Force Base, U.S. Reserve Forces and members of the Air & Army National Guard...

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