Kirtland Federal Credit Union CD & Share Certificate Rates — October 2026
As of October 22, 2026, Kirtland Federal Credit Union's highest tracked CD (share certificate) rate is 5.12% APY on an 18-month promotional CD ($500 minimum). That is 3.3 times the FDIC national average for 24-month CDs (1.55%). Standard CD rates range from 2.94% to 3.82% APY.
Tracking began .
Kirtland Federal Credit Union CD & share certificate rates
Membership required. Share certificates from 3 to 60 months in six balance tiers, plus an 18-month special. Early withdrawal penalties may apply.
| Term | Product | APY | vs. Treasury | Source | |
|---|---|---|---|---|---|
| 3 months | Share Certificate | $200,000 | 3.20% | −1.09% | Top 36% of tracked 3-month CDs · Verified October 22, 2026 |
| 3 months | Share Certificate | $100,000 | 3.14% | −1.15% | Top 36% of tracked 3-month CDs · Verified October 22, 2026 |
| 3 months | Share Certificate | $50,000 | 3.09% | −1.21% | Top 38% of tracked 3-month CDs · Verified October 22, 2026 |
| 3 months | Share Certificate | $10,000 | 3.04% | −1.25% | Top 40% of tracked 3-month CDs · Verified October 22, 2026 |
| 3 months | Share Certificate | $5,000 | 2.99% | −1.30% | Top 48% of tracked 3-month CDs · Verified October 22, 2026 |
| 3 months | Share Certificate | $500 | 2.94% | −1.35% | Top 48% of tracked 3-month CDs · Verified October 22, 2026 |
| 6 months | Share Certificate | $200,000 | 3.35% | −1.05% | Top 53% of tracked 6-month CDs · Verified October 22, 2026 |
| 6 months | Share Certificate | $100,000 | 3.30% | −1.10% | Top 54% of tracked 6-month CDs · Verified October 22, 2026 |
| 6 months | Share Certificate | $50,000 | 3.25% | −1.15% | Top 58% of tracked 6-month CDs · Verified October 22, 2026 |
| 6 months | Share Certificate | $10,000 | 3.20% | −1.20% | Top 59% of tracked 6-month CDs · Verified October 22, 2026 |
| 6 months | Share Certificate | $5,000 | 3.14% | −1.26% | Top 60% of tracked 6-month CDs · Verified October 22, 2026 |
| 6 months | Share Certificate | $500 | 3.09% | −1.31% | Top 61% of tracked 6-month CDs · Verified October 22, 2026 |
| 9 months | Share Certificate | $200,000 | 3.45% | −1.03% | Top 62% of tracked 9-month CDs · Verified October 22, 2026 |
| 9 months | Share Certificate | $100,000 | 3.40% | −1.08% | Top 64% of tracked 9-month CDs · Verified October 22, 2026 |
| 9 months | Share Certificate | $50,000 | 3.35% | −1.13% | Top 64% of tracked 9-month CDs · Verified October 22, 2026 |
| 9 months | Share Certificate | $10,000 | 3.30% | −1.18% | Top 67% of tracked 9-month CDs · Verified October 22, 2026 |
| 9 months | Share Certificate | $5,000 | 3.25% | −1.23% | Top 72% of tracked 9-month CDs · Verified October 22, 2026 |
| 9 months | Share Certificate | $500 | 3.20% | −1.28% | Top 73% of tracked 9-month CDs · Verified October 22, 2026 |
| 12 months | Share Certificate | $200,000 | 3.56% | −1.01% | Top 51% of tracked 12-month CDs · Verified October 22, 2026 |
| 12 months | Share Certificate | $100,000 | 3.51% | −1.06% | Top 52% of tracked 12-month CDs · Verified October 22, 2026 |
| 12 months | Share Certificate | $50,000 | 3.45% | −1.12% | Top 58% of tracked 12-month CDs · Verified October 22, 2026 |
| 12 months | Share Certificate | $10,000 | 3.40% | −1.17% | Top 60% of tracked 12-month CDs · Verified October 22, 2026 |
| 12 months | Share Certificate | $5,000 | 3.35% | −1.22% | Top 61% of tracked 12-month CDs · Verified October 22, 2026 |
| 12 months | Share Certificate | $500 | 3.30% | −1.27% | Top 62% of tracked 12-month CDs · Verified October 22, 2026 |
| 18 months | 18-Month Limited-Time Share Certificate Promotional | $500same APY in 7 balance tiers | 5.12% | +0.40% | Top 1% of tracked 18-month CDs · Verified October 22, 2026 |
| 24 months | Share Certificate | $200,000 | 3.66% | −1.21% | Top 38% of tracked 24-month CDs · Verified October 22, 2026 |
| 24 months | Share Certificate | $100,000 | 3.61% | −1.26% | Top 40% of tracked 24-month CDs · Verified October 22, 2026 |
| 24 months | Share Certificate | $50,000 | 3.56% | −1.31% | Top 42% of tracked 24-month CDs · Verified October 22, 2026 |
| 24 months | Share Certificate | $10,000 | 3.51% | −1.36% | Top 44% of tracked 24-month CDs · Verified October 22, 2026 |
| 24 months | Share Certificate | $5,000 | 3.45% | −1.42% | Top 50% of tracked 24-month CDs · Verified October 22, 2026 |
| 24 months | Share Certificate | $500 | 3.40% | −1.47% | Top 52% of tracked 24-month CDs · Verified October 22, 2026 |
| 30 months | 30-Month Limited-Time Share Certificate Promotional | $500same APY in 7 balance tiers | 4.85% | −0.06% | Verified October 22, 2026 |
| 36 months | Share Certificate | $200,000 | 3.71% | −1.24% | Top 30% of tracked 36-month CDs · Verified October 22, 2026 |
| 36 months | Share Certificate | $100,000 | 3.66% | −1.29% | Top 31% of tracked 36-month CDs · Verified October 22, 2026 |
| 36 months | Share Certificate | $50,000 | 3.61% | −1.34% | Top 33% of tracked 36-month CDs · Verified October 22, 2026 |
| 36 months | Share Certificate | $10,000 | 3.56% | −1.39% | Top 34% of tracked 36-month CDs · Verified October 22, 2026 |
| 36 months | Share Certificate | $5,000 | 3.51% | −1.44% | Top 36% of tracked 36-month CDs · Verified October 22, 2026 |
| 36 months | Share Certificate | $500 | 3.45% | −1.50% | Top 40% of tracked 36-month CDs · Verified October 22, 2026 |
| 48 months | Share Certificate | $200,000 | 3.76% | −1.22% | Top 21% of tracked 48-month CDs · Verified October 22, 2026 |
| 48 months | Share Certificate | $100,000 | 3.71% | −1.27% | Top 25% of tracked 48-month CDs · Verified October 22, 2026 |
| 48 months | Share Certificate | $50,000 | 3.66% | −1.32% | Top 26% of tracked 48-month CDs · Verified October 22, 2026 |
| 48 months | Share Certificate | $10,000 | 3.61% | −1.37% | Top 28% of tracked 48-month CDs · Verified October 22, 2026 |
| 48 months | Share Certificate | $5,000 | 3.56% | −1.42% | Top 30% of tracked 48-month CDs · Verified October 22, 2026 |
| 48 months | Share Certificate | $500 | 3.51% | −1.47% | Top 32% of tracked 48-month CDs · Verified October 22, 2026 |
| 60 months | Share Certificate | $200,000 | 3.82% | −1.19% | Top 25% of tracked 60-month CDs · Verified October 22, 2026 |
| 60 months | Share Certificate | $100,000 | 3.76% | −1.25% | Top 25% of tracked 60-month CDs · Verified October 22, 2026 |
| 60 months | Share Certificate | $50,000 | 3.71% | −1.30% | Top 30% of tracked 60-month CDs · Verified October 22, 2026 |
| 60 months | Share Certificate | $10,000 | 3.66% | −1.35% | Top 31% of tracked 60-month CDs · Verified October 22, 2026 |
| 60 months | Share Certificate | $5,000 | 3.61% | −1.40% | Top 32% of tracked 60-month CDs · Verified October 22, 2026 |
| 60 months | Share Certificate | $500 | 3.56% | −1.45% | Top 33% of tracked 60-month CDs · Verified October 22, 2026 |
APY = annual percentage yield. "vs. Treasury" compares each APY with the Treasury yield for the same term on 2026-10-21 (converted to APY). Treasury interest is exempt from state income tax; see the T-bill vs. CD calculator.
Watch the renewal rate
The best promotional rate here is 5.12% APY (18 months). The standard rate for a similar term is 3.66% APY (24 months). If the CD renews at the standard rate when it matures, $10,000 would earn about $146 less per year. Check the account terms and set a reminder before maturity.
Calculate the cost of auto-renewal · Set a maturity reminder
What are Kirtland Federal Credit Union's best CD rates by term?
Kirtland Federal Credit Union's best rate is 5.12% APY on 18 months, verified October 22, 2026.
- 3 mo3.20%
- 6 mo3.35%
- 9 mo3.45%
- 12 mo3.56%
- 18 mo5.12%
- 24 mo3.66%
- 30 mo4.85%
- 36 mo3.71%
- 48 mo3.76%
- 60 mo3.82%
How much interest could a Kirtland Federal Credit Union CD earn?
Estimated interest at maturity for the displayed institution quotes, before tax or early withdrawal penalties. Each estimate assumes the quoted APY applies to that balance and interest stays deposited. Estimates use known deposit tiers. Upper balance limits and membership, relationship or new-money requirements must be confirmed with the institution; these are conditional estimates, not personalized offers.
$778.49 interest · $10,778.49 at maturity on $10,000.00.
5.12% APY · 18 months · 18-Month Limited-Time Share Certificate · Promotional · verified October 22, 2026.
Before tax; interest remains deposited. Confirm all product conditions. Estimate one-year purchasing power.
| Term | $5,000 | $10,000 | $25,000 | $50,000 |
|---|---|---|---|---|
| 3 months | $36.862.99% APY · Share Certificate · Standard | $74.943.04% APY · Share Certificate · Standard | $187.353.04% APY · Share Certificate · Standard | $380.803.09% APY · Share Certificate · Standard |
| 6 months | $78.113.14% APY · Share Certificate · Standard | $159.183.20% APY · Share Certificate · Standard | $397.953.20% APY · Share Certificate · Standard | $808.233.25% APY · Share Certificate · Standard |
| 9 months | $121.503.25% APY · Share Certificate · Standard | $246.723.30% APY · Share Certificate · Standard | $616.803.30% APY · Share Certificate · Standard | $1,252.223.35% APY · Share Certificate · Standard |
| 12 months | $167.503.35% APY · Share Certificate · Standard | $340.003.40% APY · Share Certificate · Standard | $850.003.40% APY · Share Certificate · Standard | $1,725.003.45% APY · Share Certificate · Standard |
| 18 months | $389.245.12% APY · 18-Month Limited-Time Share Certificate · Promotional | $778.495.12% APY · 18-Month Limited-Time Share Certificate · Promotional | $1,946.215.12% APY · 18-Month Limited-Time Share Certificate · Promotional | $3,892.435.12% APY · 18-Month Limited-Time Share Certificate · Promotional |
| 24 months | $350.953.45% APY · Share Certificate · Standard | $714.323.51% APY · Share Certificate · Standard | $1,785.803.51% APY · Share Certificate · Standard | $3,623.373.56% APY · Share Certificate · Standard |
| 30 months | $628.844.85% APY · 30-Month Limited-Time Share Certificate · Promotional | $1,257.694.85% APY · 30-Month Limited-Time Share Certificate · Promotional | $3,144.224.85% APY · 30-Month Limited-Time Share Certificate · Promotional | $6,288.454.85% APY · 30-Month Limited-Time Share Certificate · Promotional |
| 36 months | $545.203.51% APY · Share Certificate · Standard | $1,106.473.56% APY · Share Certificate · Standard | $2,766.183.56% APY · Share Certificate · Standard | $5,612.833.61% APY · Share Certificate · Standard |
| 48 months | $750.933.56% APY · Share Certificate · Standard | $1,524.093.61% APY · Share Certificate · Standard | $3,810.233.61% APY · Share Certificate · Standard | $7,731.763.66% APY · Share Certificate · Standard |
| 60 months | $970.063.61% APY · Share Certificate · Standard | $1,968.953.66% APY · Share Certificate · Standard | $4,922.373.66% APY · Share Certificate · Standard | $9,989.213.71% APY · Share Certificate · Standard |
How Kirtland Federal Credit Union compares
Compare the displayed terms, minimums and quote locations. Membership, relationship and new-money conditions may apply. Institution quotes below use the exact 548-day term. Regional peers quote a shared operating state; nationwide best is limited to our tracked sample.
This quote ranks 1 of 331 tracked institutions with fresh 548-day quotes (ties share a rank). Each other institution contributes its highest APY for that exact term; minimums and eligibility can differ.
| Institution / benchmark | Term | Minimum | Who can open | APY | Verified / source date |
|---|---|---|---|---|---|
| Kirtland Federal Credit Union (this institution) (highest tracked APY for this term)18-Month Limited-Time Share Certificate · Promotional | 18 months | $500 | Membership required · branches in NM | 5.12% | October 22, 2026 |
| Bread SavingsBread Savings CD · Standard | 18 months | $1,500 | Available nationwide | 4.85% | October 22, 2026 |
| Popular DirectCD · Standard | 18 months | $10,000 | Available nationwide | 4.75% | October 22, 2026 |
| E*TRADE (Morgan Stanley Private Bank)Bank CD · Standard | 18 months | Not stated | Available nationwide | 4.55% | October 22, 2026 |
| Treasury (APY-equivalent) | 18 months (term-matched estimate) | Depends on purchase method | Federal; interest exempt from state income tax | 4.72% | 2026-10-21 |
Rate changes
See changes across all tracked institutions
No changes since we started tracking Kirtland Federal Credit Union on October 22, 2026.
About Kirtland Federal Credit Union
- Legal name
- Kirtland Federal Credit Union
- Regulator ID
- NCUA 12199
- Headquarters
- Albuquerque, NM
- Available in
- NM
- Total assets
- $1.1 billion
- Also known as
- Website
- www.kirtlandcu.org
Source: rates read from https://kirtlandcu.org/rates-certificates/. See the page text we read.
Frequently asked questions
What is the highest CD rate at Kirtland Federal Credit Union?
Among the rates we track, 5.12% APY on an 18-month promotional CD, as of October 22, 2026.
What is the minimum deposit for a Kirtland Federal Credit Union CD?
The lowest minimum we found is $500; jumbo and higher balance tiers start at up to $200,000.
How does Kirtland Federal Credit Union's best CD rate compare with Treasury yields?
5.12% APY is +0.40% versus the 18-month Treasury yield of 4.72% (APY-equivalent) on 2026-10-21. Treasury interest is also exempt from state income tax.
Is 5.12% a good CD rate?
It is 3.3 times the FDIC national average for a similar term (1.55% as of 2026-10-19), which is a deposit-weighted average across all U.S. banks and credit unions. Online banks and promotional CDs often pay several times the national average.
Are Kirtland Federal Credit Union CDs insured?
Kirtland Federal Credit Union is a federally insured credit union (NCUA 12199). Share certificates are insured by the NCUA up to $250,000 per member, per ownership category.
What is a share certificate at Kirtland Federal Credit Union?
A share certificate is the credit union equivalent of a bank CD: a term deposit that pays a stated yield when its conditions are met. Membership requirements, minimum deposits and early withdrawal terms depend on the credit union and product.
How often is this page updated?
We check Kirtland Federal Credit Union's rate page every day. The rates above were last verified on October 22, 2026.
More credit union certificate rates
Rates are copied from Kirtland Federal Credit Union's website and may change at any time. Confirm terms, minimums and eligibility with Kirtland Federal Credit Union before opening an account. This page is not financial advice.