Credit union · NCUA insured
Kirtland Credit Union
Top CarrotA $1.1B credit union headquartered in Albuquerque, NM, with 50,782 members and 9 branches in New Mexico. Best rates: CDs 5.12% and savings 0.10% APY.
Kirtland Credit Union Carrot Score
Carrot ScoreTop Carrot
Higher than 92% of U.S. banks and credit unions
#4 of 27 in Albuquerque, NM metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About Kirtland Credit Union
Kirtland Federal Credit Union is a member-owned, not-for-profit financial cooperative headquartered in Albuquerque, New Mexico.
Operating branches in Albuquerque, Rio Rancho, Los Lunas, and on Kirtland AFB, the credit union focuses on serving military personnel and defense organizations.
- Headquarters
- 6440 Gibson Blvd SE, Albuquerque, NM 87108
- NCUA charter
- 12199
Membership
Who can join
This may be incomplete or out of date, so check with the credit union before you apply.
Employers and groups
- Members and employees of partner organizations throughout Albuquerque are eligible for membership.
Military, government and schools
- Contractors, employees, and retirees of businesses who work on or with KAFB under contract with the U.S. Government are eligible for membership.
- Veteran, active-duty, and retired members of all branches of the U.S. military, including NM National Guard and Reserve, who have ever been served by KAFB are eligible for membership.
Family and household
- Family members of eligible or existing members are eligible for membership.
Cost to join
- Members must open and maintain at least one share (savings) account with a minimum balance.
Branches
9 branches in New Mexico
Loading map…
New Mexico
9 branches
- Coors Pavillion4101 Coors Blvd NW Ste B, Albuquerque, NM 87120Directions
- Home Loan Center6700 Jefferson St NE Ste D-1, Albuquerque, NM 87109Directions
- KAFB Exchange Branch7901 Gibson Blvd SE, Building 20176, Albuquerque, NM 87116Directions
- Kirtland Federal Credit Union Montgomery Branch8900 Montgomery Blvd NE, Albuquerque, NM 87111Directions
- Kirtland Federal Credit Union West Alameda Branch10200 Corrales Rd NW Ste F, Albuquerque, NM 87114Directions
- MAXQ Branch4023 Ranger Rd SE, Albuquerque, NM 87116Directions
- Paseo Holly Plaza6550 Holly Ave NE, Suite D6, Albuquerque, NM 87113Directions
- Los Lunas2270 Main St NW Ste D, Los Lunas, NM 87031Directions
- Rockaway Rio Rancho111 Rio Rancho NE Ste 112, Rio Rancho, NM 87124Directions
Walk-in offices from the NCUA directory as of March 31, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
| Measure | This credit union | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalNet worth ratio | 12.40% | 10.86% | 12.59% or more |
| Troubled loans60+ days late | 0.79% | 0.70% | 0.46% or less |
| ProfitabilityReturn on assets | 0.55% | 0.82% | 1.16% or more |
| LendingLoans per $100 deposited | $75 | $88 | — |
- CapitalNet worth ratio12.40%Peers’ middle 10.86% · Top 25% 12.59%+
- Troubled loans60+ days late0.79%Peers’ middle 0.70% · Top 25% ≤0.46%
- ProfitabilityReturn on assets0.55%Peers’ middle 0.82% · Top 25% 1.16%+
- LendingLoans per $100 deposited$75Peers’ middle $88
Compared with the 479 credit unions with $1 billion or more in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are loans 60 or more days late.
Regulators’ own ratings of Kirtland Credit Union are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.