Morton Lane Federal Credit Union Rates and Review February 2026
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Brian McKay
Brian McKayFounder & Data ArchitectExpertise
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
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Morton Lane Federal Credit Union money market rates, and other rates, are continually updated to reflect market conditions, we recommend checking back frequently to get the best money market rates and other rates available.Have you opened an account or have any experiences at Morton Lane Federal Credit Union? Share your experience about by leaving a review below, or read customer reviews before you decide to use . Morton Lane Federal Credit Union Texas RatioMorton Lane Federal Credit Union's Texas Ratio is at 6.20%, which is considered excellent. The Texas Ratio for Morton Lane Federal Credit Union is higher than the national average of all banks, currently at 6.13%. The Texas Ratio is a key indicator of financial health. This indicates that Morton Lane Federal Credit Union has a very low volume of non-performing assets compared to its available capital, signifying a strong balance sheet. MonitorBankRates Rating
5.0
Excellent
Out of 5.0 Stars
Morton Lane Federal Credit Union has earned a Smart Rating of 5.0 out of 5 stars. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with member feedback (user reviews) to help you make informed banking decisions. Overall, Morton Lane Federal Credit Union is an excellent credit union worth considering, with an overall rating of 5.0 stars out of 5 stars. Current Interest RatesProduct
APY/APR
vs.Avg
"N/A" indicates the product is not offered or the rate is unavailable.
Morton Lane Federal Credit Union
MORTON LANE FCU 388 Englewood Ave
Buffalo, NY 14223 2812 
Current Rate AvailabilityWe do not have Morton Lane Federal Credit Union rates right now, but we are constantly updating our database so check back often for updated rates. Methodology & Data SourcesMonitorBankRates Star Rating: Our rating for Morton Lane Federal Credit Union is derived from comprehensive financial data published quarterly by the NCUA. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with member feedback (user reviews) to help you make informed banking decisions. Texas Ratio: We calculate the Texas Ratio using standard industry methodology. This ratio compares the credit union's non-performing assets to its tangible common equity and loan loss reserves to assess financial health. Rate Data Aggregation: We gather Morton Lane Federal Credit Union rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.
Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions.
It is always advisable to check with Morton Lane Federal Credit Union's official website for the most current offers and terms.
Credit Union Profile & OverviewCredit Union Name: Morton Lane Federal Credit Union
Website: https://www.mortonlanedirect.com
Full Time Employees: 6Part Time Employees: 2 President: MARSHA JURKOWSKI CEO: JUDITH BLEICHFELD Branch Locations: 3 ATM Locations: 0 Corporate Office Address:
388 Englewood Ave
Buffalo, NY 14223 2812 Phone Number: 716-837-2007 Fax Number: 716-837-0174 FinancialsTotal Assets:
65,331,613
Total Amount of Shares and Deposits:
57,339,423
Total Shares and Deposits < 1 Year:
35,601,775
Total Shares and Deposits 1 3 Years:
10,828,611
Total Shares and Deposits > 3 Years:
10,909,037
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E):
3,235,576
Total Uninsured Shares and Deposits > $250K (F+J):
3,242,424
Total Insured Shares and Deposits > $250K (item 17 less item K):
54,096,999
Total Interest Expense (Sum of items 6 8):
914,107
Share Certificates:
184
Number of Accounts for Share Drafts:
1,322
IRA KEOGH Accounts:
41
Number of Accounts for Regular Shares:
3,591
Non Member Deposits:
14
Total Cash on Deposit (Amounts Deposited in Financial Institutions):
2,031,482
Total Liabilities:
57,446,365
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Source: NCUA Last Updated 09/30/2025
Customer ReviewswDTL
December 17, 2025
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Frequently Asked Questions About Morton Lane Federal Credit UnionIs a member application needed to join Morton Lane Federal Credit Union?Yes, to access services at Morton Lane Federal Credit Union, a member application is required. Is there a first-time homebuyer program?Currently, Morton Lane Federal Credit Union provides a range of mortgage and home equity products. Is Morton Lane Federal Credit Union a safe place to deposit money?Yes, Morton Lane Federal Credit Union is considered a safe financial institution. Your accounts are federally insured by the NCUA up to $250,000 per depositor. Does Morton Lane Federal Credit Union offer online and mobile banking?Most modern institutions like Morton Lane Federal Credit Union provide digital access including online balance checks and transfers. Compare to other Credit Unions |
You can compare Morton Lane Federal Credit Union rates to other rates in our database, including 12-month share certificate rates currently at 3.55%, 6-month share certificate rates at 4.04% and 3-month share certificate rates at 0.95%. Savings rates are at 0.01% and money market rates are at 1.00%. Mortgage rates on 30-year fixed loans are around 6.20%. All these rates, and more, can be found in our database of rates which you can compare to 
