What are the current interest rates at Kirtland Federal Credit Union?

Current rates for Kirtland Federal Credit Union include: Savings: 3.04%

☰

Survey Results We asked readers after the Fed’s Sept. 16 hike: 50% of savers say their bank still has not raised their rate since the Fed funds rate increase. See the full results

Home›
Credit Unions›
Kirtland Federal Credit Union

iAdvertiser Disclosure

Kirtland Federal Credit Union Rates & Review October 2026

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Kirtland Federal Credit Union provides members with tools to manage their accounts and build a solid financial history.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: October 9, 2026

Kirtland Federal Credit Union's top rates as of October 9, 2026 are 3.04% APY on savings, and 0.05% APY on checking, according to rates verified by MonitorBankRates. MonitorBankRates evaluates the financial stability of Kirtland Federal Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 3.99%. Rates last updated and verified on 10/09/2026.

Kirtland Federal Credit Union money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at Kirtland Federal Credit Union? Share your experience about Kirtland Federal Credit Union by leaving a review below, or read customer reviews before you decide to use Kirtland Federal Credit Union.

Verified Healthy Q2 2026 Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

A+

Exceptional Health Score: 98/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

3.99%

Excellent Lower than avg

Health Trend

Very strong 12 quarters

Full history ›

Kirtland Federal Credit Union
Kirtland Federal Credit Union

6440 Gibson Blvd SE
Albuquerque, NM 87108

https://www.kirtlandcu.org

Customer Reviews

Be the first to review

Write a Review

Financial health data as of Q2 2026 (NCUA 5300 call report for the quarter ended June 30, 2026). This is the most recent call report available. The NCUA publishes credit union call reports about ten weeks after each quarter ends.

Kirtland Federal Credit Union Savings Rates

Product	Rate	APY
High-Yield Savings Account	3.00%	3.04%
Min Balance $0 Details Balance: $0.01 - $50,000 Last Updated 10/09/2026 Rate History No change since Sep 21, 2026 · 3.04% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.99%
High-Yield Savings Account	0.10%	0.10%
Min Balance $50,001 Details Balance: $50,001 + Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.10% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.99%
Share (Savings) Accounts	0.10%	0.10%
Min Balance $5 Details Balance: $5-$999 Last Updated 10/09/2026 Rate History No change since Sep 21, 2026 · 0.10% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.99%
Share (Savings) Accounts	0.10%	0.10%
Min Balance $1,000 Details Balance: $1,000+ Last Updated 10/09/2026 Rate History No change since Sep 21, 2026 · 0.10% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.99%

Kirtland Federal Credit Union Checking Rates

Product	Rate	APY	View More
Share Draft (Checking) Accounts	0.05%	0.05%
Details Earn dividends on balances of $500 or more Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.05% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.99%

Kirtland Federal Credit Union Other Rates

Product	Rate	Points	APY/APR
Insured Money Management/Individual Retirement Accounts	1.45%	-	1.46%
Min Balance $0 Details Balance: Less than $2,000 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 1.46% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.99%
Insured Money Management/Individual Retirement Accounts	1.70%	-	1.71%
Min Balance $2,000 Details Balance: $2,000 - $4,999 Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 1.46% → 1.71% ▲ 0.25 pts · high 1.71% / low 1.46% Sep 21, 20261.71%▲ from 1.46% Sep 14, 20261.46%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.99%
Insured Money Management/Individual Retirement Accounts	1.85%	-	1.87%
Min Balance $5,000 Details Balance: $5,000 - $24,999 Last Updated 10/09/2026 Rate History No change since Sep 21, 2026 · 1.87% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.99%
Insured Money Management/Individual Retirement Accounts	1.95%	-	1.97%
Min Balance $25,000 Details Balance: $25,000 - $49,999 Last Updated 10/09/2026 Rate History No change since Sep 21, 2026 · 1.97% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.99%
Insured Money Management/Individual Retirement Accounts	2.20%	-	2.22%
Min Balance $50,000 Details Balance: $50,000 - $99,999 Last Updated 10/09/2026 Rate History No change since Sep 21, 2026 · 2.22% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.99%
Insured Money Management/Individual Retirement Accounts	2.45%	-	2.48%
Min Balance $100,000 Details Balance: $100,000+ Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 2.48% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.99%

Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution's data from MonitorBankRates.com, please contact us here.

Financial Health History

Kirtland Federal Credit Union’s Texas Ratio rose from 3.26% in Q3 2023 to 3.99% in Q2 2026, so its financial health has stayed very strong over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. Lower Texas Ratios are healthier; the green zone below the amber 15% line is where a credit union must stay to qualify for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures.

Swipe the chart sideways to see every quarter.

Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade15% Verified Healthy limit (green zone below = healthy)

How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops.

Show the quarterly figures

Quarter	Total assets	Texas Ratio	Star Rating	Health Grade
June 30, 2026	$1.1B	3.99%	5.0	A+
March 31, 2026	$1.1B	3.87%	5.0	A+
December 31, 2025	$1.1B	6.87%	5.0	A
September 30, 2025	$1.1B	6.04%	5.0	A
June 30, 2025	$1.1B	5.23%	5.0	A+
March 31, 2025	$1.1B	4.28%	5.0	A+
December 31, 2024	$1.1B	9.33%	5.0	A
September 30, 2024	$1.0B	10.56%	5.0	A
June 30, 2024	$1.0B	8.78%	5.0	A
March 31, 2024	$1.1B	5.45%	5.0	A+
December 31, 2023	$1.1B	5.15%	5.0	A+
September 30, 2023	$1.1B	3.26%	5.0	A+

Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.

Methodology & Data Sources

MonitorBankRates Star Rating

Our rating for Kirtland Federal Credit Union is derived from comprehensive financial data published quarterly by the NCUA. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with member feedback (user reviews) to help you make informed banking decisions.

Texas Ratio

We calculate the Texas Ratio using standard industry methodology. This ratio compares the credit union's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.

Rate Data Aggregation

We gather Kirtland Federal Credit Union rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.

Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions. It is always advisable to check with Kirtland Federal Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Kirtland Federal Credit Union

Website https://www.kirtlandcu.org

Address 6440 Gibson Blvd SE, Albuquerque, NM 87108

Phone 505-254-4369

Fax

President Mark Neice

CEO Matt Rarden

Full-Time Employees 167

Part-Time Employees 12

Branch Locations 9

ATM Locations 1

NCUA Insured ✓ Yes, up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A+ (98/100)

Texas Ratio

3.99%

Return on Assets (ROA)

0.2718%

Return on Equity (ROE)

2.1921%

Non-Performing Loans Ratio (NPL)

0.79%

Total Assets

1,101,050,443

Total Amount of Shares and Deposits

962,187,231

Total Shares and Deposits < 1 Year

935,241,700

Total Shares and Deposits 1 3 Years

20,415,619

Total Shares and Deposits > 3 Years

6,529,913

Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)

64,094,468

Total Uninsured Shares and Deposits > $250K (F+J)

64,094,468

Total Insured Shares and Deposits > $250K (item 17 less item K)

898,092,763

Total Interest Expense (Sum of items 6 8)

8,133,966

Share Certificates

5,591

Number of Accounts for Share Drafts

21,924

IRA KEOGH Accounts

1,479

Number of Accounts for Regular Shares

54,239

Non Member Deposits

Money Market Shares

4,516

Net Income (unless the amount is already included in Undivided Earnings)

2,992,116

Net Worth Classification if credit union is not new (Based upon Call Report data only See instructions)

Well Capitalized

Net Worth Classification if credit union is a new credit union

Well Capitalized

Total Cash on Deposit (Amounts Deposited in Financial Institutions)

66,821,644

Total Liabilities

970,038,505

Source: NCUA — Last Updated 06/30/2026

Q2 2026 MBR Health & Safety Badge

Kirtland Federal Credit Union earned the Verified Healthy badge

Display this badge on your website to show visitors your Q2 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.

Copy the HTML below and paste it into your website where you’d like the badge to appear. The badge image is hosted on MonitorBankRates, so there is no need to download or upload anything. Badges are re-tested every quarter; when a new quarter is published, come back to this page for the updated code.

<a href="https://monitorbankrates.com/credit-unions/kirtland-federal-credit-union-rates-review-12199">
  <img src="https://www.monitorbankrates.com/wp-content/uploads/badges/mbr-badge-tier-c-2026-q2.svg"
       alt="MonitorBankRates Verified Healthy Badge Q2 2026"
       width="160" height="160">
</a>

Learn more about the MBR Health & Safety Badge program on our methodology page.

Customer Reviews

There are no reviews for Kirtland Federal Credit Union yet. Feel free to create one below.

Looking for more bank and credit union reviews? Visit our Community Reviews hub to read what other members are saying, ask questions, and join the conversation.

Average Rating

☆☆☆☆☆

Total Reviews

Add Your Rating and Review for Kirtland Federal Credit Union

Frequently Asked Questions About Kirtland Federal Credit Union

How many branches does Kirtland Federal Credit Union operate?

Kirtland Federal Credit Union currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is a member application needed to join Kirtland Federal Credit Union?

Yes, to access services at Kirtland Federal Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations.

Is there a first-time homebuyer program?

Currently, Kirtland Federal Credit Union does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Are credit management and repair services offered?

While formal credit repair services are not currently listed, Kirtland Federal Credit Union provides members with tools to manage their accounts and build a solid financial history.

Does Kirtland Federal Credit Union offer online and mobile banking?

Most modern institutions like Kirtland Federal Credit Union provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.kirtlandcu.org.