Kirtland Federal Credit Union Rates and Review February 2026
Content reviewed by
Brian McKay
Brian McKayFounder & Data ArchitectExpertise
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
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Kirtland Federal Credit Union's savings rates are at 0.10%. You can compare Kirtland Federal Credit Union rates to other rates in our database, including 12-month share certificate rates currently at 2.25%, 6-month share certificate rates at 3.60% and 3-month share certificate rates at 3.65%. Savings rates are at 0.05% and money market rates are at 0.50%. Mortgage rates on 30-year fixed loans are around 6.12%. All these rates, and more, can be found in our database of rates which you can compare to Kirtland Federal Credit Union rates.
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 by leaving a review below, or read customer reviews before you decide to use . Kirtland Federal Credit Union Texas RatioKirtland Federal Credit Union's Texas Ratio is at 6.43%, which is considered excellent. The Texas Ratio for Kirtland Federal Credit Union is higher than the national average of all banks, currently at 6.13%. The Texas Ratio is a key indicator of financial health. This indicates that Kirtland Federal Credit Union has a very low volume of non-performing assets compared to its available capital, signifying a strong balance sheet. MonitorBankRates Rating
5.0
Excellent
Out of 5.0 Stars
Kirtland Federal Credit Union has earned a Smart Rating of 5.0 out of 5 stars. 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. Overall, Kirtland Federal Credit Union is an excellent credit union worth considering, with an overall rating of 5.0 stars out of 5 stars. Current Interest RatesProduct
APY/APR
vs.Avg
"N/A" indicates the product is not offered or the rate is unavailable.
Kirtland Federal Credit Union
Kirtland Federal Credit Union 6440 Gibson Blvd SE
Albuquerque, NM 87108 
Kirtland Federal Credit Union Savings Rates
Kirtland Federal Credit Union Checking Rates
Methodology & Data SourcesMonitorBankRates 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 & OverviewCredit Union Name: Kirtland Federal Credit Union
Website: https://www.kirtlandcu.org
Full Time Employees: 187Part Time Employees: 17 President: Matthew Nixon CEO: Matt Rarden Branch Locations: 9 ATM Locations: 1 Corporate Office Address:
6440 Gibson Blvd SE
Albuquerque, NM 87108 Phone Number: 505-254-4369 Fax Number: FinancialsTotal Assets:
1,080,090,227
Total Amount of Shares and Deposits:
940,443,544
Total Shares and Deposits < 1 Year:
910,117,691
Total Shares and Deposits 1 3 Years:
21,748,400
Total Shares and Deposits > 3 Years:
8,577,454
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E):
45,841,146
Total Uninsured Shares and Deposits > $250K (F+J):
45,841,146
Total Insured Shares and Deposits > $250K (item 17 less item K):
894,602,398
Total Interest Expense (Sum of items 6 8):
13,582,030
Share Certificates:
5,692
Number of Accounts for Share Drafts:
22,067
IRA KEOGH Accounts:
1,562
Number of Accounts for Regular Shares:
54,797
Non Member Deposits:
4
Money Market Shares:
4,490
Net Income (unless the amount is already included in Undivided Earnings):
3,069,248
Total Cash on Deposit (Amounts Deposited in Financial Institutions):
83,890,218
Total Liabilities:
953,594,313
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Source: NCUA Last Updated 09/30/2025
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December 17, 2025
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Frequently Asked Questions About Kirtland Federal Credit UnionIs a member application needed to join Kirtland Federal Credit Union?Yes, to access services at Kirtland Federal Credit Union, a member application is required. Is there a first-time homebuyer program?Currently, Kirtland Federal Credit Union provides a range of mortgage and home equity products. Is Kirtland Federal Credit Union a safe place to deposit money?Yes, Kirtland Federal Credit Union is considered a safe financial institution. Your accounts are federally insured by the NCUA up to $250,000 per depositor. Does Kirtland Federal Credit Union offer online and mobile banking?Most modern institutions like Kirtland Federal Credit Union provide digital access including online balance checks and transfers. Compare to other Credit Unions |
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