Credit union · NCUA insured
Kirtland Credit Union Savings Rates
Top CarrotKirtland Credit Union’s best savings rate is 0.10% APY on $10,000, with its Additional Savings Account. Rates checked October 22, 2026.
How Kirtland Credit Union’s savings 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
0.10%APY
- Requires
- None
- Minimum
- $10
- Earns on $10,000 a year
- $10
Additional Savings Account
Top rate
Citizens Bank of Las Cruces
5.12%APY
- Requires
- Another account
- Minimum
- $25
- Earns on $10,000 a year
- $512
2nd-highest rate
America First Credit Union
3.95%APY
- Requires
- None
- Minimum
- $0
- Earns on $10,000 a year
- $395
Kirtland Credit Union savings score
89
Savings score
Higher than 90% of U.S. banks and credit unions
- $1,000 balance$1,0003.04%
- $10,000 balance$10,0003.04%
- $100,000 balance$100,0001.57%
- QualifiedQualified3.04%
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 savings score, in each area where it has branches
Every rate
Current savings rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
High-Yield Savings Account
3.04%APY on $10,000
The HYSA account must be opened/funded with funds from outside of KCU only (new money). The HYSA uses a split-tier rate, which means each tier rate applies to each tier balance. Membership eligibility required.
| Part of the balance | Rate on that part |
|---|---|
| Up to $50,000 | 3.00% |
| $50,001 and up | 0.10% |
On $10,000 the tiers blend to about 3.04% APY, earning $304 a year.
Sources (1)
- kirtlandcu.org/rates · captured Oct 3, 2026
Additional Savings Account
0.10%APY
Minimum balance is $5. Membership eligibility required.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Up to $999 | 0.10% | — |
| $1,000 and up | 0.10% | $10 |
Main Savings Account
0.10%APY
Required for all members. Minimum balance is $5. Membership eligibility required.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Up to $999 | 0.10% | — |
| $1,000 and up | 0.10% | $10 |
Special-purpose accounts
Insured Money Management Account (IMMA) / IRA
1.87%APY
Insured Money Management Accounts earn higher yield than traditional savings; also used for IRA contributions (Traditional and Roth).
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Up to $1,999 | 1.46% | — |
| $2,000 – $4,999 | 1.71% | — |
| $5,000 – $24,999 | 1.87% | $187 |
| $25,000 – $49,999 | 1.97% | — |
| $50,000 – $99,999 | 2.22% | — |
| $100,000 and up | 2.48% | — |
Club F.I.T (Financially Independent Teens)
0.10%APY
Age 13-17. Open with as little as $5, minimum balance is $5. No monthly maintenance fees. Membership eligibility required.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Up to $999 | 0.10% | — |
| $1,000 and up | 0.10% | $10 |
Joey Account
0.10%APY
Age 4 and younger. Open with as little as $5, minimum balance is $5. No monthly maintenance fees. Membership eligibility required.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Up to $999 | 0.10% | — |
| $1,000 and up | 0.10% | $10 |
Koala Club
0.10%APY
Age 5-12. Open with as little as $5, minimum balance is $5. No monthly maintenance fees. Membership eligibility required.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Up to $999 | 0.10% | — |
| $1,000 and up | 0.10% | $10 |
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.