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Kirtland Federal Credit Union

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Kirtland Federal Credit Union Rates & Review November 2026

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

Current rates for Kirtland Federal Credit Union include: 12-Month CD: 3.30%, 24-Month CD: 3.40%, 60-Month CD: 3.56%, Savings: 3.04%

Q: What CD terms does Kirtland Federal Credit Union offer?

Kirtland Federal Credit Union CD rates are 3.56% APY for a 12 month CD, 3.66% APY for a 2 year CD, 3.71% APY for a 3 year CD, 3.76% APY for a 4 year CD and 3.82% APY for a 5 year CD, verified by MonitorBankRates as of October 29, 2026. The institution may offer other terms or specials that are not listed here, so check with Kirtland Federal Credit Union for its full lineup.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: October 29, 2026

Kirtland Federal Credit Union's 60 Month CD rates are at 3.82%, 48 Month CD rates are at 3.76%, 36 Month CD rates are at 3.71%, 24 Month CD rates are at 3.66%, 12 Month CD rates are at 3.56%. Kirtland Federal Credit Union's savings rates are at 3.04%. Kirtland Federal Credit Union's checking rates are as high as 0.05%. Kirtland Federal Credit Union's Adjustable Rate Mortgage - 3/1 ARM rates are at 6.12%, Adjustable Rate Mortgage - 5/1 ARM rates are at 6.38%, Fixed Rate Mortgage - 15 Year rates are at 6.50%, Adjustable Rate Mortgage - 1 Year ARM rates are at 5.88%, Adjustable Rate Mortgage - 7/1 ARM rates are at 6.62%. Kirtland Federal Credit Union's Personal Loan Rates are as low as 10.99%. Kirtland Federal Credit Union's CD rates are 30% higher than the MonitorBankRates national average, and it has an A+ health rating. 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 10/29/2026.

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 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

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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 CD Rates

Product	Rate	APY	Term
60 Month Share Certificate	3.75%	3.82%	60 months
Min Balance $200,000 Details Balance: $200,000+; Limited-time offer Last Updated 10/29/2026 Rate History No change since Oct 22, 2026 · 3.82% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.99%
48 Month Share Certificate	3.70%	3.76%	48 months
Min Balance $200,000 Details Balance: $200,000+; Limited-time offer Last Updated 10/29/2026 Rate History No change since Oct 22, 2026 · 3.76% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.99%
60 Month Share Certificate	3.70%	3.76%	60 months
Min Balance $100,000 Details Balance: $100,000-$199,999; Limited-time offer Last Updated 10/29/2026 Rate History No change since Oct 22, 2026 · 3.76% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.99%
36 Month Share Certificate	3.65%	3.71%	36 months
Min Balance $200,000 Details Balance: $200,000+; Limited-time offer Last Updated 10/29/2026 Rate History No change since Oct 22, 2026 · 3.71% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.99%
48 Month Share Certificate	3.65%	3.71%	48 months
Min Balance $100,000 Details Balance: $100,000-$199,999; Limited-time offer Last Updated 10/29/2026 Rate History No change since Oct 22, 2026 · 3.71% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.99%
60 Month Share Certificate	3.65%	3.71%	60 months
Min Balance $50,000 Details Balance: $50,000-$99,999; Limited-time offer Last Updated 10/29/2026 Rate History No change since Oct 22, 2026 · 3.71% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.99%
24 Month Share Certificate	3.60%	3.66%	24 months
Min Balance $200,000 Details Balance: $200,000+; Limited-time offer Last Updated 10/29/2026 Rate History No change since Oct 22, 2026 · 3.66% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.99%
36 Month Share Certificate	3.60%	3.66%	36 months
Min Balance $100,000 Details Balance: $100,000-$199,999; Limited-time offer Last Updated 10/29/2026 Rate History No change since Oct 22, 2026 · 3.66% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.99%
48 Month Share Certificate	3.60%	3.66%	48 months
Min Balance $50,000 Details Balance: $50,000-$99,999; Limited-time offer Last Updated 10/29/2026 Rate History No change since Oct 22, 2026 · 3.66% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.99%
60 Month Share Certificate	3.60%	3.66%	60 months
Min Balance $10,000 Details Balance: $10,000-$49,999; Limited-time offer Last Updated 10/29/2026 Rate History No change since Oct 22, 2026 · 3.66% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.99%
24 Month Share Certificate	3.55%	3.61%	24 months
Min Balance $100,000 Details Balance: $100,000-$199,999; Limited-time offer Last Updated 10/29/2026 Rate History No change since Oct 22, 2026 · 3.61% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.99%
36 Month Share Certificate	3.55%	3.61%	36 months
Min Balance $50,000 Details Balance: $50,000-$99,999; Limited-time offer Last Updated 10/29/2026 Rate History No change since Oct 22, 2026 · 3.61% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.99%
48 Month Share Certificate	3.55%	3.61%	48 months
Min Balance $10,000 Details Balance: $10,000-$49,999; Limited-time offer Last Updated 10/29/2026 Rate History No change since Oct 22, 2026 · 3.61% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.99%
60 Month Share Certificate	3.55%	3.61%	60 months
Min Balance $5,000 Details Balance: $5,000-$9,999; Limited-time offer Last Updated 10/29/2026 Rate History No change since Oct 22, 2026 · 3.61% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.99%
12 Month Share Certificate	3.50%	3.56%	12 months
Min Balance $200,000 Details Balance: $200,000+; Limited-time offer Last Updated 10/29/2026 Rate History No change since Oct 22, 2026 · 3.56% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.99%
24 Month Share Certificate	3.50%	3.56%	24 months
Min Balance $50,000 Details Balance: $50,000-$99,999; Limited-time offer Last Updated 10/29/2026 Rate History No change since Oct 22, 2026 · 3.56% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.99%
36 Month Share Certificate	3.50%	3.56%	36 months
Min Balance $10,000 Details Balance: $10,000-$49,999; Limited-time offer Last Updated 10/29/2026 Rate History No change since Oct 22, 2026 · 3.56% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.99%
48 Month Share Certificate	3.50%	3.56%	48 months
Min Balance $5,000 Details Balance: $5,000-$9,999; Limited-time offer Last Updated 10/29/2026 Rate History No change since Oct 22, 2026 · 3.56% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.99%
60 Month Share Certificate	3.50%	3.56%	60 months
Min Balance $500 Details Balance: $500-$4,999; Limited-time offer Last Updated 10/29/2026 Rate History No change since Oct 22, 2026 · 3.56% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.99%
12 Month Share Certificate	3.45%	3.51%	12 months
Min Balance $100,000 Details Balance: $100,000-$199,999; Limited-time offer Last Updated 10/29/2026 Rate History No change since Oct 22, 2026 · 3.51% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.99%
24 Month Share Certificate	3.45%	3.51%	24 months
Min Balance $10,000 Details Balance: $10,000-$49,999; Limited-time offer Last Updated 10/29/2026 Rate History No change since Oct 22, 2026 · 3.51% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.99%
36 Month Share Certificate	3.45%	3.51%	36 months
Min Balance $5,000 Details Balance: $5,000-$9,999; Limited-time offer Last Updated 10/29/2026 Rate History No change since Oct 22, 2026 · 3.51% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.99%
48 Month Share Certificate	3.45%	3.51%	48 months
Min Balance $500 Details Balance: $500-$4,999; Limited-time offer Last Updated 10/29/2026 Rate History No change since Oct 22, 2026 · 3.51% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.99%
12 Month Share Certificate	3.40%	3.45%	12 months
Min Balance $50,000 Details Balance: $50,000-$99,999; Limited-time offer Last Updated 10/29/2026 Rate History No change since Oct 22, 2026 · 3.45% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.99%
24 Month Share Certificate	3.40%	3.45%	24 months
Min Balance $5,000 Details Balance: $5,000-$9,999; Limited-time offer Last Updated 10/29/2026 Rate History No change since Oct 22, 2026 · 3.45% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.99%
36 Month Share Certificate	3.40%	3.45%	36 months
Min Balance $500 Details Balance: $500-$4,999; Limited-time offer Last Updated 10/29/2026 Rate History No change since Oct 22, 2026 · 3.45% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.99%
9 Month Share Certificate	3.40%	3.45%	9 months
Min Balance $200,000 Details Balance: $200,000+; Limited-time offer Last Updated 10/29/2026 Rate History No change since Oct 22, 2026 · 3.45% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.99%
12 Month Share Certificate	3.35%	3.40%	12 months
Min Balance $10,000 Details Balance: $10,000-$49,999; Limited-time offer Last Updated 10/29/2026 Rate History No change since Oct 22, 2026 · 3.40% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.99%
24 Month Share Certificate	3.35%	3.40%	24 months
Min Balance $500 Details Balance: $500-$4,999; Limited-time offer Last Updated 10/29/2026 Rate History No change since Oct 22, 2026 · 3.40% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.99%
9 Month Share Certificate	3.35%	3.40%	9 months
Min Balance $100,000 Details Balance: $100,000-$199,999; Limited-time offer Last Updated 10/29/2026 Rate History No change since Oct 22, 2026 · 3.40% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.99%
12 Month Share Certificate	3.30%	3.35%	12 months
Min Balance $5,000 Details Balance: $5,000-$9,999; Limited-time offer Last Updated 10/29/2026 Rate History No change since Oct 22, 2026 · 3.35% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.99%
6 Month Share Certificate	3.30%	3.35%	6 months
Min Balance $200,000 Details Balance: $200,000+; Limited-time offer Last Updated 10/29/2026 Rate History No change since Oct 22, 2026 · 3.35% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.99%
9 Month Share Certificate	3.30%	3.35%	9 months
Min Balance $50,000 Details Balance: $50,000-$99,999; Limited-time offer Last Updated 10/29/2026 Rate History No change since Oct 22, 2026 · 3.35% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.99%
12 Month Share Certificate	3.25%	3.30%	12 months
Min Balance $500 Details Balance: $500-$4,999; Limited-time offer Last Updated 10/29/2026 Rate History No change since Oct 22, 2026 · 3.30% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.99%
6 Month Share Certificate	3.25%	3.30%	6 months
Min Balance $100,000 Details Balance: $100,000-$199,999; Limited-time offer Last Updated 10/29/2026 Rate History No change since Oct 22, 2026 · 3.30% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.99%
9 Month Share Certificate	3.25%	3.30%	9 months
Min Balance $10,000 Details Balance: $10,000-$49,999; Limited-time offer Last Updated 10/29/2026 Rate History No change since Oct 22, 2026 · 3.30% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.99%
6 Month Share Certificate	3.20%	3.25%	6 months
Min Balance $50,000 Details Balance: $50,000-$99,999; Limited-time offer Last Updated 10/29/2026 Rate History No change since Oct 22, 2026 · 3.25% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.99%
9 Month Share Certificate	3.20%	3.25%	9 months
Min Balance $5,000 Details Balance: $5,000-$9,999; Limited-time offer Last Updated 10/29/2026 Rate History No change since Oct 22, 2026 · 3.25% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.99%
3 Month Share Certificate	3.15%	3.20%	3 months
Min Balance $200,000 Details Balance: $200,000+; Limited-time offer Last Updated 10/29/2026 Rate History No change since Oct 22, 2026 · 3.20% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.99%
6 Month Share Certificate	3.15%	3.20%	6 months
Min Balance $10,000 Details Balance: $10,000-$49,999; Limited-time offer Last Updated 10/29/2026 Rate History No change since Oct 22, 2026 · 3.20% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.99%
9 Month Share Certificate	3.15%	3.20%	9 months
Min Balance $500 Details Balance: $500-$4,999; Limited-time offer Last Updated 10/29/2026 Rate History No change since Oct 22, 2026 · 3.20% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.99%
3 Month Share Certificate	3.10%	3.14%	3 months
Min Balance $100,000 Details Balance: $100,000-$199,999; Limited-time offer Last Updated 10/29/2026 Rate History No change since Oct 22, 2026 · 3.14% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.99%
6 Month Share Certificate	3.10%	3.14%	6 months
Min Balance $5,000 Details Balance: $5,000-$9,999; Limited-time offer Last Updated 10/29/2026 Rate History No change since Oct 22, 2026 · 3.14% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.99%
3 Month Share Certificate	3.05%	3.09%	3 months
Min Balance $50,000 Details Balance: $50,000-$99,999; Limited-time offer Last Updated 10/29/2026 Rate History No change since Oct 22, 2026 · 3.09% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.99%
6 Month Share Certificate	3.05%	3.09%	6 months
Min Balance $500 Details Balance: $500-$4,999; Limited-time offer Last Updated 10/29/2026 Rate History No change since Oct 22, 2026 · 3.09% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.99%
3 Month Share Certificate	3.00%	3.04%	3 months
Min Balance $10,000 Details Balance: $10,000-$49,999; Limited-time offer Last Updated 10/29/2026 Rate History No change since Oct 22, 2026 · 3.04% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.99%
3 Month Share Certificate	2.95%	2.99%	3 months
Min Balance $5,000 Details Balance: $5,000-$9,999; Limited-time offer Last Updated 10/29/2026 Rate History No change since Oct 22, 2026 · 2.99% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.99%
3 Month Share Certificate	2.90%	2.94%	3 months
Min Balance $500 Details Balance: $500-$4,999; Limited-time offer Last Updated 10/29/2026 Rate History No change since Oct 22, 2026 · 2.94% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.99%

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; Split-tier rate; must be opened/funded with new money from outside KCU Last Updated 10/29/2026 Rate History No change since Sep 21, 2026 · 3.04% APY · checked 10 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+; Split-tier rate; must be opened/funded with new money from outside KCU Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 0.10% APY · checked 11 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; Includes Main Share, Additional Share, Business Share and Youth Shares Last Updated 10/29/2026 Rate History No change since Sep 21, 2026 · 0.10% APY · checked 10 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+; Includes Main Share, Additional Share, Business Share and Youth Shares Last Updated 10/29/2026 Rate History No change since Sep 21, 2026 · 0.10% APY · checked 10 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%
Min Balance $500 Details Balance: $500 to earn dividends; Includes Military, Freedom-Plus, e-Checking, DBA, Business, Organizational and Youth checking accounts Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 0.05% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.99%

Kirtland Federal Credit Union Mortgage Rates

Product	Rate	Points	APR	Term
Adjustable Rate Mortgage - 3/1 ARM	6.125%	0.000	6.775%
Details Index: 4.44 (10/23/2026), Margin: 2.25; Rate cannot increase or decrease more than 2.00 percentage points at each adjustment or 6.00 percentage points over the term; floor 2.25 percent Last Updated 10/29/2026 Rate History 1 change since Oct 22, 2026 · 6.81% → 6.78% ▼ 0.03 pts · high 6.81% / low 6.78% Oct 29, 20266.78%▼ from 6.81% Oct 22, 20266.81%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.99%
Adjustable Rate Mortgage - 5/1 ARM	6.375%	0.000	6.787%
Details Index: 4.44 (10/23/2026), Margin: 2.25; Rate cannot increase or decrease more than 2.00 percentage points at each adjustment or 6.00 percentage points over the term; floor 2.25 percent Last Updated 10/29/2026 Rate History 1 change since Oct 22, 2026 · 6.84% → 6.79% ▼ 0.05 pts · high 6.84% / low 6.79% Oct 29, 20266.79%▼ from 6.84% Oct 22, 20266.84%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.99%
Fixed Rate Mortgage - 15 Year	6.50%	0.000	6.808%	15 years
Details Fixed rate mortgage; APR as printed; maximum LTV 95% for purchase and no-cash-out refinance, 85% LTV for cash-out refinance Last Updated 10/29/2026 Rate History 1 change since Oct 22, 2026 · 6.93% → 6.81% ▼ 0.13 pts · high 6.93% / low 6.81% Oct 29, 20266.81%▼ from 6.93%* Oct 22, 20266.93%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.99%
Adjustable Rate Mortgage - 1 Year ARM	5.875%	0.000	6.856%
Details Index: 4.44 (10/23/2026), Margin: 2.25; Rate cannot increase or decrease more than 2.00 percentage points at each adjustment or 6.00 percentage points over the term; floor 2.25 percent Last Updated 10/29/2026 Rate History 1 change since Oct 22, 2026 · 6.87% → 6.86% ▼ 0.01 pts · high 6.87% / low 6.86% Oct 29, 20266.86%▼ from 6.87% Oct 22, 20266.87%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.99%
Adjustable Rate Mortgage - 7/1 ARM	6.625%	0.000	6.873%
Details Index: 4.44 (10/23/2026), Margin: 2.25; Rate cannot increase or decrease more than 2.00 percentage points at each adjustment or 6.00 percentage points over the term; floor 2.25 percent Last Updated 10/29/2026 Rate History 1 change since Oct 22, 2026 · 6.94% → 6.87% ▼ 0.07 pts · high 6.94% / low 6.87% Oct 29, 20266.87%▼ from 6.94% Oct 22, 20266.94%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.99%
15/15 ARM	6.875%	0.000	6.926%
Details Adjustable Rate Mortgage; Rate adjusts on the 10-Year Treasury Security Rate index plus margin; Index: 5.00 (10/23/2026); Margin: 1.00; Rate cannot increase or decrease more than 5.00 percentage points at one time; Floor: 1.00%; APR - Annual Percentage Rate Last Updated 10/29/2026 Rate History 1 change since Oct 22, 2026 · 6.95% → 6.93% ▼ 0.02 pts · high 6.95% / low 6.93% Oct 29, 20266.93%▼ from 6.95%* Oct 22, 20266.95%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.99%
Fixed Rate Mortgage - 10 Year	6.50%	0.000	6.934%	10 years
Details Fixed rate mortgage; APR as printed; maximum LTV 95% for purchase and no-cash-out refinance, 85% LTV for cash-out refinance Last Updated 10/29/2026 Rate History 1 change since Oct 22, 2026 · 7.06% → 6.93% ▼ 0.13 pts · high 7.06% / low 6.93% Oct 29, 20266.93%▼ from 7.06%* Oct 22, 20267.06%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.99%
Fixed Rate Mortgage - 20 Year	6.75%	0.000	6.999%	20 years
Details Fixed rate mortgage; APR as printed; maximum LTV 95% for purchase and no-cash-out refinance, 85% LTV for cash-out refinance Last Updated 10/29/2026 Rate History 1 change since Oct 22, 2026 · 7.13% → 7.00% ▼ 0.13 pts · high 7.13% / low 7.00% Oct 29, 20267.00%▼ from 7.13%* Oct 22, 20267.13%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.99%
Adjustable Rate Mortgage - 10/1 ARM	6.875%	0.000	7.025%
Details Index: 4.44 (10/23/2026), Margin: 2.25; Rate cannot increase or decrease more than 2.00 percentage points at each adjustment or 6.00 percentage points over the term; floor 2.25 percent Last Updated 10/29/2026 Rate History 1 change since Oct 22, 2026 · 7.11% → 7.03% ▼ 0.09 pts · high 7.11% / low 7.03% Oct 29, 20267.03%▼ from 7.11% Oct 22, 20267.11%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.99%
Adjustable Rate Mortgage - 5/5 ARM	6.50%	0.000	7.061%
Details Effective October 27, 2026; 5-Year Treasury index plus margin (Index: 4.82 as of 10/23/2026, Margin: 2.25); rate cannot change more than 2.00 points per adjustment or 6.00 points over the loan term; floor 2.25% Last Updated 10/29/2026 Rate History No change since Oct 29, 2026 · 7.06% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.99%
FHA/VA Mortgages - VA 15 Year Loan	6.50%	0.000	7.15%	15 years
Details FHA/VA Mortgages; VA loans require a VA funding fee. Last Updated 10/29/2026 Rate History 1 change since Oct 22, 2026 · 7.28% → 7.15% ▼ 0.13 pts · high 7.28% / low 7.15% Oct 29, 20267.15%▼ from 7.28% Oct 22, 20267.28%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.99%
Fixed Rate Mortgage - 30 Year	7.125%	0.000	7.319%	30 years
Details Fixed rate mortgage; *APR as printed; maximum LTV 95% for purchase and no-cash-out refinance, 85% LTV for cash-out refinance Last Updated 10/29/2026 Rate History No change since Oct 22, 2026 · 7.32% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.99%
FHA/VA Mortgages - VA 30 Year Loan	7.00%	0.000	7.407%	30 years
Details FHA/VA Mortgages; VA loans require a VA funding fee. Last Updated 10/29/2026 Rate History No change since Oct 22, 2026 · 7.41% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.99%
FHA 15 Year Loan	6.50%	0.000	7.52%	15 years
Details FHA/VA Mortgages; FHA requires a minimum of 3.5% down. Mortgage insurance is required for all FHA loans. Last Updated 10/29/2026 Rate History 1 change since Oct 22, 2026 · 7.65% → 7.52% ▼ 0.13 pts · high 7.65% / low 7.52% Oct 29, 20267.52%▼ from 7.65% Oct 22, 20267.65%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.99%
FHA 30 Year Loan	7.00%	0.000	7.949%	30 years
Details FHA/VA Mortgages; FHA requires a minimum of 3.5% down. Mortgage insurance is required for all FHA loans. Last Updated 10/29/2026 Rate History No change since Oct 22, 2026 · 7.95% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.99%

Kirtland Federal Credit Union Home Equity & HELOC

Product	Rate	Points	APR	Term
Home Equity Loan	-	-	7.00%	120 months
Details As Low As; LTV: Up to 80%; Effective October 1, 2026 Last Updated 10/29/2026 Rate History No change since Oct 22, 2026 · 7.00% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.99%
Home Equity Loan	-	-	7.25%	180 months
Details As Low As; LTV: Up to 80%; Effective October 1, 2026 Last Updated 10/29/2026 Rate History No change since Oct 22, 2026 · 7.25% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.99%
Home Equity Line of Credit	-	-	7.50%	10 year
Details Term: 10 year draw; 20 year payment period; As Low As; Up to 80% LTV Last Updated 10/29/2026 Rate History No change since Oct 22, 2026 · 7.50% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.99%
Home Equity Loan	-	-	7.50%	120 months
Details As Low As; LTV: 80.01% to 90%; Effective October 1, 2026 Last Updated 10/29/2026 Rate History No change since Oct 22, 2026 · 7.50% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.99%
Home Equity Loan	-	-	7.75%	180 months
Details As Low As; LTV: 80.01% to 90%; Effective October 1, 2026 Last Updated 10/29/2026 Rate History No change since Oct 22, 2026 · 7.75% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.99%

Kirtland Federal Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term
Auto Loans	-	-	4.34%	Up to 84 months
Details As Low As; Buy new, buy used, or refinance; rates as low as 4.34% APR Last Updated 10/29/2026 Rate History No change since Oct 22, 2026 · 4.34% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.99%
Automobiles & Trucks - Preferred Member	-	-	4.34%	Up to 36 months
Details As Low As; Preferred Member Rate (0.25% discount); Model Year: 2026-2024; Effective October 1, 2026 Last Updated 10/29/2026 Rate History No change since Oct 22, 2026 · 4.34% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.99%
Automobiles & Trucks	-	-	4.59%	Up to 36 months
Details As Low As; Model Year: 2026-2024; A+ credit tier; Effective October 1, 2026 Last Updated 10/29/2026 Rate History No change since Oct 22, 2026 · 4.59% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.99%
Automobiles & Trucks - Preferred Member	-	-	4.84%	Up to 48 months
Details As Low As; Preferred Member Rate (0.25% discount); Model Year: 2026-2024; Effective October 1, 2026 Last Updated 10/29/2026 Rate History No change since Oct 22, 2026 · 4.84% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.99%
Automobiles & Trucks - Preferred Member	-	-	5.04%	65 months
Details As Low As; Preferred Member Rate (0.25% discount); Model Year: 2026-2024; Effective October 1, 2026 Last Updated 10/29/2026 Rate History No change since Oct 22, 2026 · 5.04% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.99%
Automobiles & Trucks	-	-	5.09%	Up to 48 months
Details As Low As; Model Year: 2026-2024; A+ credit tier; Effective October 1, 2026 Last Updated 10/29/2026 Rate History No change since Oct 22, 2026 · 5.09% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.99%
Automobiles & Trucks - Preferred Member	-	-	5.14%	75 months
Details As Low As; Preferred Member Rate (0.25% discount); Model Year: 2026-2024; Effective October 1, 2026 Last Updated 10/29/2026 Rate History No change since Oct 22, 2026 · 5.14% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.99%
Automobiles & Trucks	-	-	5.29%	65 months
Details As Low As; Model Year: 2026-2024; A+ credit tier; Effective October 1, 2026 Last Updated 10/29/2026 Rate History No change since Oct 22, 2026 · 5.29% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.99%
Automobiles & Trucks	-	-	5.39%	75 months
Details As Low As; Model Year: 2026-2024; A+ credit tier; Effective October 1, 2026 Last Updated 10/29/2026 Rate History No change since Oct 22, 2026 · 5.39% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.99%
Automobiles & Trucks - Preferred Member	-	-	5.74%	84 months
Details As Low As; Preferred Member Rate (0.25% discount); Model Year: 2026-2024; Effective October 1, 2026 Last Updated 10/29/2026 Rate History No change since Oct 22, 2026 · 5.74% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.99%
Automobiles & Trucks	-	-	5.99%	84 months
Details As Low As; Model Year: 2026-2024; A+ credit tier; Effective October 1, 2026 Last Updated 10/29/2026 Rate History No change since Oct 22, 2026 · 5.99% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.99%
Automobiles & Trucks - Preferred Member	-	-	6.14%	72 months
Details As Low As; Preferred Member Rate (0.25% discount); Model Year: 2023-2020; Effective October 1, 2026 Last Updated 10/29/2026 Rate History No change since Oct 22, 2026 · 6.14% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.99%
Automobiles & Trucks - Preferred Member	-	-	6.24%	60 months
Details As Low As; Preferred Member Rate (0.25% discount); Model Year: 2019-2016; Effective October 1, 2026 Last Updated 10/29/2026 Rate History No change since Oct 22, 2026 · 6.24% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.99%
Automobiles & Trucks	-	-	6.39%	72 months
Details As Low As; Model Year: 2023-2020; A+ credit tier; Effective October 1, 2026 Last Updated 10/29/2026 Rate History No change since Oct 22, 2026 · 6.39% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.99%
Automobiles & Trucks	-	-	6.49%	60 months
Details As Low As; Model Year: 2019-2016; A+ credit tier; Effective October 1, 2026 Last Updated 10/29/2026 Rate History No change since Oct 22, 2026 · 6.49% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.99%
Automobiles & Trucks - Preferred Member	-	-	6.54%	Up to 48 months
Details As Low As; Preferred Member Rate (0.25% discount); Model Year: 2015-2012; Effective October 1, 2026 Last Updated 10/29/2026 Rate History No change since Oct 22, 2026 · 6.54% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.99%
Automobiles & Trucks	-	-	6.79%	Up to 48 months
Details As Low As; Model Year: 2015-2012; A+ credit tier; Effective October 1, 2026 Last Updated 10/29/2026 Rate History No change since Oct 22, 2026 · 6.79% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.99%
Automobiles & Trucks	-	-	9.99%	60 months
Details As Low As; Model Year: Classic 2006 or older; A+ credit tier; Effective October 1, 2026 Last Updated 10/29/2026 Rate History No change since Oct 22, 2026 · 9.99% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.99%
1st Auto Loan for Airmen	-	-	12.99%	Up to 75 months
Details As Low As; For active members of the U.S. armed forces with little or no credit history; no cosigner required Last Updated 10/29/2026 Rate History No change since Oct 22, 2026 · 12.99% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.99%

Kirtland Federal Credit Union RV, Boat and Powersport Loan Rates

Product	Rate	APR	Term
Recreational Vehicles and Boats - 2026-2024 Loan	-	7.49%	180 months
Details As Low As; Model Year: 2026-2024; Maximum Term: 180 mos. Last Updated 10/29/2026 Rate History No change since Oct 22, 2026 · 7.49% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.99%
Recreational Vehicles and Boats - 2023 or older Loan	-	7.99%	120 months
Details As Low As; Model Year: 2023 or older; Maximum Term: 120 mos. Last Updated 10/29/2026 Rate History No change since Oct 22, 2026 · 7.99% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.99%
Motorcycle Loans	-	8.24%	48 or 60 months
Details As Low As; Flexible terms of either 48 or 60 months Last Updated 10/29/2026 Rate History No change since Oct 22, 2026 · 8.24% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.99%
Motorcycle Loan	-	9.24%	Up to 48 months
Details As Low As; Model Year: 2023 or older; Maximum Term: Up to 48 mos. Last Updated 10/29/2026 Rate History No change since Oct 22, 2026 · 9.24% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.99%

Kirtland Federal Credit Union Credit Card Rates

Product	Rate	APR
VISA Platinum Low Rate Card	-	0.00%
Details Intro rate expires: 12 months; Regular APR: 9.50% -16.25%; 0% intro on purchases and balance transfers within first 90 days from account opening; balance transfers charged 3% fee; no annual fee Last Updated 10/29/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.99%
Visa Platinum Low Rate Option	-	9.50%
Details As Low As; Credit Tier APR Range: 9.50% - 16.25% Last Updated 10/29/2026 Rate History No change since Oct 22, 2026 · 9.50% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.99%
Visa Platinum CU Rewards	-	10.00%
Details As Low As; Credit Tier APR Range: 10.00% - 16.75% Last Updated 10/29/2026 Rate History No change since Oct 22, 2026 · 10.00% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.99%
VISA Platinum Rewards Card	-	10.00%
Details As Low As; Rates as low as 10.00% APR; 3x points on all purchases for first 90 days up to $5,000 spend; 1 point per dollar after first 90 days; no annual fee Last Updated 10/29/2026 Rate History No change since Oct 22, 2026 · 10.00% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.99%
VISA Platinum Cash Rebate Card	-	12.00%
Details As Low As; Rates as low as 12.00% APR; 5.0% cash back on all purchases for first 90 days up to $5,000 spend; 1.5% cash back after 90 days; no annual fee Last Updated 10/29/2026 Rate History No change since Oct 22, 2026 · 12.00% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.99%

Kirtland Federal Credit Union Personal Loan Rates

Product	APR	Term
Signature Loan 0-36 mo	10.99%	0-36 months
Details As Low As; Maximum Term: 36 mos.; Other Tier-Priced Consumer Loans; Effective: October 1, 2026 Last Updated 10/29/2026 Rate History No change since Oct 22, 2026 · 10.99% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.99%
Signature Loan 37-48 mo	11.49%	37-48 months
Details As Low As; Maximum Term: 48 mos.; Other Tier-Priced Consumer Loans; Effective: October 1, 2026 Last Updated 10/29/2026 Rate History No change since Oct 22, 2026 · 11.49% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.99%
Signature Loan 49-60 mo	11.99%	49-60 months
Details As Low As; Maximum Term: 60 mos.; Other Tier-Priced Consumer Loans; Effective: October 1, 2026 Last Updated 10/29/2026 Rate History No change since Oct 22, 2026 · 11.99% APR · checked 3 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	Term
Aircraft/Hot Air Balloon Loan	-	-	10.99%	144 months
Details As Low As; Maximum Term: 144 mos.; Other Tier-Priced Consumer Loans; Effective: October 1, 2026 Last Updated 10/29/2026 Rate History No change since Oct 22, 2026 · 10.99% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.99%
Deployment Loan	-	-	6.00%	12 months
Details up to $1,000; As Low As; Other Consumer Loans (Non-Tier-Priced) Last Updated 10/29/2026 Rate History No change since Oct 22, 2026 · 6.00% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.99%
Start Up Loan	-	-	13.25%	18 months
Details up to $1,000; As Low As; Other Consumer Loans (Non-Tier-Priced) Last Updated 10/29/2026 Rate History No change since Oct 22, 2026 · 13.25% APR · checked 3 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; IRA Contributory Accounts Last Updated 10/29/2026 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; IRA Contributory Accounts Last Updated 10/29/2026 Rate History No change since Sep 21, 2026 · 1.87% APY · checked 10 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; IRA Contributory Accounts Last Updated 10/29/2026 Rate History No change since Sep 21, 2026 · 1.97% APY · checked 10 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; IRA Contributory Accounts Last Updated 10/29/2026 Rate History No change since Sep 21, 2026 · 2.22% APY · checked 10 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+; IRA Contributory Accounts Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 2.48% APY · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.99%
Insured Money Management/Individual Retirement Accounts	1.45%	-	1.46%
Details Balance: Less than $2,000; IRA Contributory Accounts Last Updated 10/29/2026 Rate History No change since Oct 5, 2026 · 1.46% 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

2026 MBR Health & Safety Badge

Kirtland Federal Credit Union earned the Verified Healthy badge

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Frequently Asked Questions About Kirtland Federal Credit Union

Does Kirtland Federal Credit Union offer CDs?

Yes. Kirtland Federal Credit Union current CD rates include its 60 Month CD at 3.82% APY, its 48 Month CD at 3.76% APY and its 36 Month CD at 3.71% APY, verified by MonitorBankRates as of October 29, 2026.

Are CDs from Kirtland Federal Credit Union NCUA insured?

Yes. Kirtland Federal Credit Union is insured by the National Credit Union Administration (NCUA), so CDs opened there are insured up to $250,000 per depositor, per ownership category.

What is the highest CD rate at Kirtland Federal Credit Union?

The highest Kirtland Federal Credit Union CD rate is its 60 Month CD at 3.82% APY, verified by MonitorBankRates as of October 29, 2026.

What CD terms does Kirtland Federal Credit Union offer?

Kirtland Federal Credit Union CD rates are 3.56% APY for a 12 month CD, 3.66% APY for a 2 year CD, 3.71% APY for a 3 year CD, 3.76% APY for a 4 year CD and 3.82% APY for a 5 year CD, verified by MonitorBankRates as of October 29, 2026. The institution may offer other terms or specials that are not listed here, so check with Kirtland Federal Credit Union for its full lineup.

What is the highest savings rate at Kirtland Federal Credit Union?

The highest Kirtland Federal Credit Union savings rate is its High-Yield Savings Account at 3.04% APY, verified by MonitorBankRates as of October 29, 2026.

What is the highest checking rate at Kirtland Federal Credit Union?

The highest Kirtland Federal Credit Union checking rate is its Share Draft (Checking) Accounts at 0.05% APY, verified by MonitorBankRates as of October 29, 2026.

What is the lowest 30 year fixed mortgage rate at Kirtland Federal Credit Union?

The lowest Kirtland Federal Credit Union 30 year fixed mortgage rate is its Fixed Rate Mortgage - 30 Year at 7.125%, verified by MonitorBankRates as of October 29, 2026. Kirtland Federal Credit Union mortgage rates are 7.125% for a 30 year mortgage, 6.75% for a 20 year mortgage, 6.50% for a 15 year mortgage, 6.50% for a 10 year mortgage, 5.875% for a 1 year mortgage, 6.125% for a 3/1 ARM, 6.375% for a 5/1 ARM and 6.50% for a 5/5 ARM.

What is the lowest auto loan rate at Kirtland Federal Credit Union?

The lowest Kirtland Federal Credit Union auto loan rate is its Auto Loans at 4.34% APR, verified by MonitorBankRates as of October 29, 2026.

What is the lowest personal loan rate at Kirtland Federal Credit Union?

The lowest Kirtland Federal Credit Union personal loan rate is its Signature Loan 0-36 mo at 10.99% APR, verified by MonitorBankRates as of October 29, 2026. Kirtland Federal Credit Union personal loan rates are 10.99% APR for a 36 month personal loan, 11.49% APR for a 48 month personal loan and 11.99% APR for a 60 month personal loan.

What is the lowest credit card APR at Kirtland Federal Credit Union?

The lowest Kirtland Federal Credit Union credit card APR is its Visa Platinum Low Rate Option Credit Card at 9.50% APR, verified by MonitorBankRates as of October 29, 2026.

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.

Are all CD rates listed on MonitorBankRates federally insured?

Most are. Banks are insured by the FDIC and most credit unions by the NCUA, up to $250,000 per depositor, per ownership category. A small number of credit unions are privately insured instead, and we label them on their pages. MonitorBankRates is not a bank or credit union; deposit insurance comes from the institution where you open the account.

I want to open a CD with an institution listed on MonitorBankRates. How do I open the account?

You open the account directly with the bank or credit union. Use the View button next to a rate to go to the institution's website, then apply online, by phone or at a branch. Credit unions require membership, so you may need to join first. Confirm the current rate and terms with the institution before you deposit.

If I open a CD I found on MonitorBankRates, is my account with MonitorBankRates or the institution?

Your account is with the financial institution. MonitorBankRates is a rate comparison site; we do not open accounts, hold deposits or handle your money.

Why are some CD offers not available for me to open?

Some offers are limited to certain states or local areas, require membership in the credit union, need a minimum deposit, or were promotions that have since ended. Rates can also change after we verify them. The institution's website has the current eligibility rules.

How do Kirtland Federal Credit Union rates compare?

Kirtland Federal Credit Union's CD rates are 30% higher than the MonitorBankRates national average, and it has an A+ health rating. Kirtland Federal Credit Union's top rates are its 60 Month CD at 3.82% APY, its High-Yield Savings Account at 3.04% APY, its Share Draft (Checking) Accounts at 0.05% APY, its Adjustable Rate Mortgage - 1 Year ARM at 5.875% and its Signature Loan 0-36 mo at 10.99% APR, verified by MonitorBankRates on October 29, 2026.

Current Kirtland Federal Credit Union Rates

12-Month CD3.30%
24-Month CD3.40%
60-Month CD3.56%
Savings3.04%

Retrieved from our database of financial products. Rates subject to change.

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Kirtland Federal Credit Union Rates & Review November 2026

Brian McKay

Overall Health & Safety Grade

MonitorBankRates Star Rating

Kirtland Federal Credit Union Texas Ratio

Kirtland Federal Credit Union Health Trend

Kirtland Federal Credit Union CD Rates

Kirtland Federal Credit Union Savings Rates

Kirtland Federal Credit Union Checking Rates

Kirtland Federal Credit Union Mortgage Rates

Kirtland Federal Credit Union Home Equity & HELOC

Kirtland Federal Credit Union Auto Loan Rates

Kirtland Federal Credit Union RV, Boat and Powersport Loan Rates

Kirtland Federal Credit Union Credit Card Rates

Kirtland Federal Credit Union Personal Loan Rates

Kirtland Federal Credit Union Other Rates

Financial Health History

Methodology & Data Sources

Credit Union Profile & Overview

Financials

Kirtland Federal Credit Union earned the Verified Healthy badge

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Frequently Asked Questions About Kirtland Federal Credit Union

Does Kirtland Federal Credit Union offer CDs?

Are CDs from Kirtland Federal Credit Union NCUA insured?

What is the highest CD rate at Kirtland Federal Credit Union?

What CD terms does Kirtland Federal Credit Union offer?

What is the highest savings rate at Kirtland Federal Credit Union?

What is the highest checking rate at Kirtland Federal Credit Union?

What is the lowest 30 year fixed mortgage rate at Kirtland Federal Credit Union?

What is the lowest auto loan rate at Kirtland Federal Credit Union?

What is the lowest personal loan rate at Kirtland Federal Credit Union?

What is the lowest credit card APR at Kirtland Federal Credit Union?

How many branches does Kirtland Federal Credit Union operate?

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

Is there a first-time homebuyer program?

Are credit management and repair services offered?

Does Kirtland Federal Credit Union offer online and mobile banking?

Are all CD rates listed on MonitorBankRates federally insured?

I want to open a CD with an institution listed on MonitorBankRates. How do I open the account?

If I open a CD I found on MonitorBankRates, is my account with MonitorBankRates or the institution?

Why are some CD offers not available for me to open?

How do Kirtland Federal Credit Union rates compare?

Current Kirtland Federal Credit Union Rates

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