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  • 2014/2015 Vehicle Loan Promotion
    October 15, 2014 to January 31, 2015 - Special Rates and Giveaways...
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  • Satisfied member are the best advertising
    We have been growing steadily over the last few years and many of you use all our services and loan products. We hope...
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  • New insurance programs for members
    Four Corners has partnered with insurance companies to make auto, homeowner, AD&D, life and medicare insurance...
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  • Welcome Navajo Nation Shiprock Police Department employees!
    Navajo Nation Shiprock Police Department employees and their immediate family members are eligible to join...
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    To help the government fight the funding of terrorism and money laundering activities, Federal law requires all financial institutions...
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Welcome to Four Corners FCU

Due to an outage of the internet provider there was an interruption of services for several hours on 3/24/15. FCFCU apologizes for the inconvenience.


Effective March 2, 2015, All Paycheck Advance Loans Must be Done in the Loan Department

The credit union will be closed at 5:30 pm on March 19th for Annual Meeting. That meeting will be held at the First Baptist Church of Kirtland at 6:30 pm that night.


The new Mobile App is up and running!!! Bill Pay is also available now on the app. If you have an I-Phone or an Android Phone you can purchase the App for FREE. Search for Four Corners FCU and down load it. Your home banking pin works for this app. If you don't have home banking you can still use the Mobile App by entering your account number and click on the "enroll now" button. It will ask you some questions which you will need to answer and then you should be able to use it to make transfers or even set it up to pay bills through our system. If you want to do this and need help please come in and one of the staff will be happy to help you.

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February 28, 2015

2015 Annual Meeting

Please join the Four Corners Credit Union Staff and Volunteers for the 2015 Annual Meeting. It will be held at the First Baptist Church of Kirtland on March 19th at 6:30 pm. There will be food, giveaways, and information provided. We will also have activities for the kids. Help us celebrate 50 years

Youth Program Kick Off in April

The new youth program will begin in April. The theme is “Wild about Savings. Please stop by and see us. We have some ideas and giveaways for the kids to teach kids to save for their goals. By their teen years they can be consistent savers.

PAL Loan Disbursement Changes

You will see some changes in the processing of PAL loans beginning in March. This type of loan will be done through the loan department and disbursed by the tellers. We appreciate your understanding as we make changes here at the credit union.

A Note from Judy…

As we have said, the credit union is celebrating 50 years of Service to the Member. We are here because of all of you and our start at Navajo Mines. Thanks to the staff and volunteers. As I look at the history of the credit union I see how much growth and change has taken place over these years, along with the addition of many other employee groups. May we have many more great years as credit union members!

Please stop by the credit union and see us.

   Judy Moore, CEO

Suggestion Box

A suggestion box has been placed in the lobby for your comments or suggestions.

New Employees

Welcome to Wendy Olayo and Cyanne Cly who are the newest employees here at the credit union.

For credit union site emergencies or Four Corners Federal Credit Union ATM outage please call (505)801-9876.

Need to get in touch with us:



New Certificate of Deposit

GOOD NEWS….We are up and running. This is how it will work and we think you will like it. New Name: Rate Builder Certificate

  1. Minimum monthly deposit $100.00 for Adults and $5.00 for children under 18.
  2. Starting Rate will be 1.30%
  3. Dividends are paid monthly
  4. If you deposit the minimum or more your rate will increase by .033% each month for 3 years.
  5. In 3 years you will top out at 2.50%. It will remain at that rate for the next 2 years and the Certificate will mature at 5 years. If the rates for Certificates start rising, the Board of Directors have the right to increase the rates. They will not be lowered on the existing Certificates.
  6. A member can make a withdrawal during the month and if the money plus the normal deposit is put back before the end of the month the rate will increase accordingly.
  7. If funds are withdrawn and not put back within the month the rate will revert back to 1.30% and the interest progression starts over.
  8. If a deposit is not made but no money is withdrawn the rate stays the same

Rate Builder is being put in place to encourage saving for the future and not having to gather up enough funds to open the standard Certificates of Deposit ($1,000.00) or ($25,000.00). It will also give you an account that pays more and you do not have to save up $5,000.00 (normal amount necessary to start with a stock broker) to start a retirement program.

If you have questions about this certificate please call Phyllis at 598-3960 or ask any of the Board Members at your job site.


If you are considering retirement in the near future, it will be in your best interest to set up your account online if you have not done so. If you are interested in rolling your 401K over to the Credit Union into an IRA it can be done very fast if you are set up. Last week a member requested his 401K to be rolled over to the Credit Union on Friday morning and it was in his account on Monday. It normally takes 2 to 4 weeks when processed through the mail. If you do not have internet available see Phyllis and she will help you set up your online account for faster processing. She can also answer any questions you might have concerning IRA’s. Currently the Credit Union pays the highest dividends on IRA’s in the area and we do not charge withdrawal fees or Annual fees. We love the opportunity to take care of your retirement funds.

PeopleEstablished in 1965, Four Corners Federal Credit Union in Kirtland, New Mexico services the full-time employees, retirees and immediate family of BHP-Billiton, Arizona Public Service (San Juan County only), Navajo Agriculture Products Industry, Navajo Housing Authority (San Juan County only), Raytheon Missle Systems (San Juan County only) and Central Consolidated Schools District #22. We offer savings and checking accounts, certificates of deposit, loans, audio response teller and home banking. Our members enjoy personalized service from our friendly staff. Come see us at 16 CR 6500, Kirtland, New Mexico 87417 or call at 505-598-6623 to find out how you can become a member and enjoy the benefits of membership.