Credit union · NCUA insured
Kirtland Credit Union CD Rates
Top CarrotKirtland Credit Union’s best CD rate is 5.12% APY on an 18-month share certificate (CD). Terms run from 3 months to 5 years. Rates checked October 22, 2026.
How Kirtland Credit Union’s CD rates compare
Compared with banks and credit unions near Albuquerque, NM, where Kirtland Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Kirtland Credit Union
5.12%APY
- Term
- 18 months
- Requires
- None
- Minimum
- $500
- Earns on $10,000
- $778
Share Certificate
Top rate
Del Norte Credit Union
5.18%APY
- Term
- 13 months
- Requires
- None
- Minimum
- $1,000
- Earns on $10,000
- $562
3rd-highest rate
State Employees Credit Union
5.00%APY
- Term
- 6 months
- Requires
- Another account
- Minimum
- $1,000
- Earns on $10,000
- $247
Kirtland Credit Union CD score
88
CD score
Higher than 82% of U.S. banks and credit unions
- 3–8 months3–8 mo3.20%
- 9–15 months9–15 mo3.40%
- 16–30 months16–30 mo5.12%
- 31–60 months31–60 mo3.66%
- QualifiedQualified5.12%
Each track runs from the lowest to the highest rate among U.S. banks and credit unions; the dot is this rate.Qualified: needs another account or monthly activity.
Where Kirtland Credit Union ranks
By CD score, in each area where it has branches
Every rate
Current CD rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
Share Certificate
Up to 5.12%APY · 10 terms
Membership eligibility required. Must open and maintain at least one share (savings) account with a minimum balance before any other account may be opened. Dividends compound monthly unless otherwise paid. Paid and accrued dividends may be withdrawn at any time during certificate term without penalty; premature withdrawal incurs penalty. 10 calendar days renewal grace period.
| Term | APY · $500 – $4,999 | APY · $500 – $999 | APY · $1,000 – $4,999 | APY · $5,000 – $9,999 | APY · $10,000 – $49,999 | APY · $50,000 – $99,999 | APY · $100,000 – $199,999 | APY · $200,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|---|---|---|---|---|---|
| 3 months | 2.94% | — | — | 2.99% | 3.04% | 3.09% | 3.14% | 3.20% | 3.04%2.94% $500–$5k2.99% $5k–$10k3.09% $50k–$100k3.14% $100k–$200k3.20% from $200k | $75 |
| 6 months | 3.09% | — | — | 3.14% | 3.20% | 3.25% | 3.30% | 3.35% | 3.20%3.09% $500–$5k3.14% $5k–$10k3.25% $50k–$100k3.30% $100k–$200k3.35% from $200k | $159 |
| 9 months | 3.20% | — | — | 3.25% | 3.30% | 3.35% | 3.40% | 3.45% | 3.30%3.20% $500–$5k3.25% $5k–$10k3.35% $50k–$100k3.40% $100k–$200k3.45% from $200k | $246 |
| 12 months | 3.30% | — | — | 3.35% | 3.40% | 3.45% | 3.51% | 3.56% | 3.40%3.30% $500–$5k3.35% $5k–$10k3.45% $50k–$100k3.51% $100k–$200k3.56% from $200k | $340 |
| 18 monthsLimited-time offer. See kirtlandcu.org/18 and kirtlandcu.org/30 for complete details | — | 5.12% | 5.12% | 5.12% | 5.12% | 5.12% | 5.12% | 5.12% | 5.12%5.12% $500–$9995.12% $1k–$5k5.12% $5k–$10k5.12% $50k–$100k5.12% $100k–$200k5.12% from $200k | $778 |
| 24 months | 3.40% | — | — | 3.45% | 3.51% | 3.56% | 3.61% | 3.66% | 3.51%3.40% $500–$5k3.45% $5k–$10k3.56% $50k–$100k3.61% $100k–$200k3.66% from $200k | $714 |
| 30 monthsLimited-time offer. See kirtlandcu.org/18 and kirtlandcu.org/30 for complete details | — | 4.85% | 4.85% | 4.85% | 4.85% | 4.85% | 4.85% | 4.85% | 4.85%4.85% $500–$9994.85% $1k–$5k4.85% $5k–$10k4.85% $50k–$100k4.85% $100k–$200k4.85% from $200k | $1,257 |
| 36 months | 3.45% | — | — | 3.51% | 3.56% | 3.61% | 3.66% | 3.71% | 3.56%3.45% $500–$5k3.51% $5k–$10k3.61% $50k–$100k3.66% $100k–$200k3.71% from $200k | $1,106 |
| 48 months | 3.51% | — | — | 3.56% | 3.61% | 3.66% | 3.71% | 3.76% | 3.61%3.51% $500–$5k3.56% $5k–$10k3.66% $50k–$100k3.71% $100k–$200k3.76% from $200k | $1,524 |
| 60 months | 3.56% | — | — | 3.61% | 3.66% | 3.71% | 3.76% | 3.82% | 3.66%3.56% $500–$5k3.61% $5k–$10k3.71% $50k–$100k3.76% $100k–$200k3.82% from $200k | $1,969 |
Sources (1)
- kirtlandcu.org/rates-certificates · captured Oct 15, 2026
Who can join Kirtland Credit Union
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.
Membership information collected October 4, 2026.