--- title: "Morton Lane Credit Union Rates: CDs to 4.06%, Mortgage 7.28%" description: "Morton Lane Credit Union rates today: 30 year fixed mortgage 7.28% APR, savings & CDs up to 4.06% APY. Every rate verified daily from the official website — no pay-to-rank. See who can join Morton Lane Credit Union — verified membership eligibility with the requirements and cost to join." canonical: "https://rateapi.dev/credit-unions/new-york/morton-lane" last-updated: "2026-11-13" source: "https://rateapi.dev/llms.txt" --- # Morton Lane Credit Union Rates: CDs to 4.06%, Mortgage 7.28% ### Mortgage rates 4 offers | Product | Published | Rate | Term / condition | Status | | **30-Year Fixed** 30 year fixed | 7.281% APR | 7.125% | — | Standard | | **USDA 30-Year Fixed** 30 year fixed | 7.808% APR | 7.125% | — | Standard | | **VA 30-Year Fixed** 30 year fixed | 7.943% APR | 7.500% | — | Standard | | **FHA 30-Year Fixed** 30 year fixed | 8.488% APR | 7.500% | — | Standard | Morton Lane Credit Union mortgage rates as of November 12, 2026 ### Savings & CD rates 6 offers | Product | Published | Rate | Term / condition | Status | | **CDs $1,000 to $25,000 (IRA or Non-IRA) (1 Year)** ira_cd_12mo | — APY | 3.00% | 12 mo | Standard | | **CDs $1,000 to $25,000 (IRA or Non-IRA) (3 Year)** ira_cd_36mo | — APY | 3.50% | 36 mo | Standard | | **CDs $1,000 to $25,000 (IRA or Non-IRA) (5 Year)** ira_cd_60mo | — APY | 3.75% | 60 mo | Standard | | **Jumbo CDs $25,000 or More (Non-IRA Only) (1-1/4 Year)** ira_cd_48mo | 3.80% APY | 3.75% | 48 mo | Standard | | **Jumbo CDs $25,000 or More (Non-IRA Only) (2-1/2 Year)** ira_cd_24mo | 3.80% APY | 3.75% | 24 mo | Standard | | **Jumbo CDs $25,000 or More (Non-IRA Only) (3-1/2 Year)** ira_cd_24mo | 4.06% APY | 4.00% | 24 mo | Standard | Morton Lane Credit Union savings & cd rates as of November 12, 2026 As of November 12, 2026, Morton Lane Credit Union offers a 30-year fixed mortgage at 7.281% APR. Savings and certificate yields up to 4.06% APY. > Source: [RateAPI.dev](https://rateapi.dev/credit-unions/new-york/morton-lane) , verified from [Morton Lane Credit Union's official website](https://www.mortonlanedirect.com/login/) Best product position **Room to improve vs. the New York median** 30-year fixed mortgage Gap to state best **75 bp** 75 bp from state best Vs. state median **6 bp behind median** 30-year fixed mortgage Products ranked **1** across tracked New York markets | Product | Published APR | Position | Vs. state best | Vs. state median | | 30-year fixed mortgage | 7.28% | Room to improve vs. the New York median | 75 bp from state best | 6 bp behind median | Published rate position by product as of November 13, 2026 This is the public snapshot. Claim Morton Lane Credit Union's profile to see the full product-by-product breakdown, how the gap to the state best has moved over time, and the near-misses where a small change would move you up. [See the full breakdown →](https://rateapi.dev/for-credit-unions/claim?cu=morton-lane&state=new-york&code=NY&name=Morton%20Lane%20Credit%20Union) Loading branch locator… ## About Morton Lane Credit Union Institution facts reported to the National Credit Union Administration for Invalid Date. Members 3.1K Assets $63.8M Founded 1962 Locations reported 5 NCUA charter 15021 Charter type Federal credit union ### Services and member support - Online membership application - Online loan application - Open an account online - Electronic statements - Mobile check deposit - Financial counseling Source: [NCUA quarterly call report](https://ncua.gov/analysis/credit-union-corporate-call-report-data/quarterly-data) . Services are institution-reported; confirm availability with the credit union. ### Other credit unions with branches nearby Compare membership, services, and rates from other institutions with an NCUA-reported branch nearby. [**Kenmore N. Y. 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Distances are straight-line estimates, not driving distance. ## Who Can Join Morton Lane Credit Union Membership eligibility from Morton Lane Credit Union's own published criteria. [How we verify this](https://rateapi.dev/eligibility-methodology) . Membership criteria are published on Morton Lane Credit Union's website. Check the membership page below to confirm whether you qualify. - Employer Buffalo State, University at Buffalo, Roswell Park Cancer Institute, Research Institute on Alcoholism, Buffalo State College Foundation, Roswell Park Day Care, Buffalo State Child Care Center, Hauptman-Woodward Medical Institute, Roswell Park Alliance Foundation, one of the employers listed above - Association Morton Lane Charitable Foundation, Alumni Assocation at UB or Buffalo State - Place of worship Temple Beth Tzedek - School UB or Buffalo State, St. Joseph Collegiate Institute Verified from [Morton Lane Credit Union's membership page](https://www.mortonlanedirect.com/about/join/) . Final membership determination is always made by the credit union. ## Membership rules for Morton Lane Credit Union Employers 16 · Associations 2 · Schools 3 · Places of worship · Family 2 24 published paths to membership, last verified August 27, 2026, quoted from Morton Lane Credit Union’s own published criteria. ### Employers 16 Auto-verified against the source page quoted from the credit union’s own published criteria · last verified August 27, 2026 - Employee of Buffalo State “Buffalo State Employees” > [source ↗](https://www.mortonlanedirect.com/about/join/) - Employee of Buffalo State - Employee of University at Buffalo “University at Buffalo Employees” > [source ↗](https://www.mortonlanedirect.com/about/join/) - Employee of University at Buffalo - Employee of Roswell Park Cancer Institute “Roswell Park Cancer Institute Employees” > [source ↗](https://www.mortonlanedirect.com/about/join/) - Employee of Roswell Park Cancer Institute - Employee of Research Institute on Alcoholism “Research Institute on Alcoholism Employees” > [source ↗](https://www.mortonlanedirect.com/about/join/) - Employee of Research Institute on Alcoholism - Employee of Buffalo State College Foundation “Buffalo State College Foundation Employees” > [source ↗](https://www.mortonlanedirect.com/about/join/) - Employee of Buffalo State College Foundation - Employee of Roswell Park Day Care “Roswell Park Day Care Employees” > [source ↗](https://www.mortonlanedirect.com/about/join/) - Employee of Roswell Park Day Care - Employee of Buffalo State Child Care Center “Buffalo State Child Care Center Employees” > [source ↗](https://www.mortonlanedirect.com/about/join/) - Employee of Buffalo State Child Care Center - Employee of Hauptman-Woodward Medical Institute “Hauptman-Woodward Medical Institute Employees” > [source ↗](https://www.mortonlanedirect.com/about/join/) - Employee of Hauptman-Woodward Medical Institute - Employee of Roswell Park Alliance Foundation “Roswell Park Alliance Foundation Employees” > [source ↗](https://www.mortonlanedirect.com/about/join/) - Employee of Roswell Park Alliance Foundation - Retired employee of one of the employers listed above “Retirees of one of the employers listed above” > [source ↗](https://www.mortonlanedirect.com/about/join/) - Retiree of one of the employers listed above - Retired employee of Research Institute on Alcoholism “Research Institute on Alcoholism Employees” > [source ↗](https://www.mortonlanedirect.com/about/join/) - Retiree of Research Institute on Alcoholism - Retired employee of Buffalo State College Foundation “Buffalo State College Foundation Employees” > [source ↗](https://www.mortonlanedirect.com/about/join/) - Retiree of Buffalo State College Foundation - Retired employee of Roswell Park Day Care “Roswell Park Day Care Employees” > [source ↗](https://www.mortonlanedirect.com/about/join/) - Retiree of Roswell Park Day Care - Retired employee of Buffalo State Child Care Center “Buffalo State Child Care Center Employees” > [source ↗](https://www.mortonlanedirect.com/about/join/) - Retiree of Buffalo State Child Care Center - Retired employee of Hauptman-Woodward Medical Institute “Hauptman-Woodward Medical Institute Employees” > [source ↗](https://www.mortonlanedirect.com/about/join/) - Retiree of Hauptman-Woodward Medical Institute - Retired employee of Roswell Park Alliance Foundation “Roswell Park Alliance Foundation Employees” > [source ↗](https://www.mortonlanedirect.com/about/join/) - Retiree of Roswell Park Alliance Foundation ### Associations 2 Auto-verified against the source page quoted from the credit union’s own published criteria · last verified August 27, 2026 - Member of Morton Lane Charitable Foundation “Members of the Morton Lane Charitable Foundation” > [source ↗](https://www.mortonlanedirect.com/about/join/) - Member of Morton Lane Charitable Foundation - Member of Alumni Assocation at UB or Buffalo State “Members of the Alumni Assocation at UB or Buffalo State” > [source ↗](https://www.mortonlanedirect.com/about/join/) - Member of Alumni Assocation at UB or Buffalo State ### Schools 3 Auto-verified against the source page quoted from the credit union’s own published criteria · last verified August 27, 2026 - Student of UB or Buffalo State “Graduate Students of UB or Buffalo State” > [source ↗](https://www.mortonlanedirect.com/about/join/) - Student at UB or Buffalo State - School employee of St. Joseph Collegiate Institute “St. Joseph Collegiate Institute Faculty, Staff and Students” > [source ↗](https://www.mortonlanedirect.com/about/join/) - Employee of St. Joseph Collegiate Institute - Student of St. Joseph Collegiate Institute “St. Joseph Collegiate Institute Faculty, Staff and Students” > [source ↗](https://www.mortonlanedirect.com/about/join/) - Student at St. Joseph Collegiate Institute ### Places of worship 1 Auto-verified against the source page quoted from the credit union’s own published criteria · last verified August 27, 2026 - Member of Temple Beth Tzedek (as written on the source page) “Temple Beth Tzedek Members” > [source ↗](https://www.mortonlanedirect.com/about/join/) - Member of Temple Beth Tzedek ### Family 2 Auto-verified against the source page quoted from the credit union’s own published criteria · last verified August 27, 2026 - Family of a member “Immediate family to any one of the above” > [source ↗](https://www.mortonlanedirect.com/about/join/) - Family member of a member - Family of a member immediate family “Immediate family to any one of the above” > [source ↗](https://www.mortonlanedirect.com/about/join/) - Family member (immediate family) of a member Every rule cites the exact sentence it came from; absence of evidence means unknown, never no. [How we verify membership rules](https://rateapi.dev/eligibility-methodology) . Final membership determination is always made by the credit union. Is this right for Morton Lane Credit Union? Yes No ## Work at Morton Lane Credit Union? This page is seen by prospective members comparing rates — and by the AI assistants they ask. Claim this profile to correct or update rates, add missing products, and get your free rate scorecard showing where Morton Lane Credit Union ranks against New York peers. - See which AI assistants fetched Morton Lane Credit Union’s rates, and how often - See which of your products the RateAPI API returned, and where you rank in New York - Correct anything we publish about you that is wrong [Claim this credit union](https://rateapi.dev/for-credit-unions/claim?cu=morton-lane&state=new-york&code=NY&name=Morton%20Lane%20Credit%20Union) [How scorecards work](https://rateapi.dev/for-credit-unions) ## Frequently Asked Questions ### What rates does Morton Lane Credit Union offer? Morton Lane Credit Union currently offers mortgage rates. The rates shown on this page were last verified November 12, 2026 directly from the credit union's official website. ### How often are Morton Lane Credit Union rates updated? RateAPI verifies Morton Lane Credit Union's rates daily by scraping its official website, then normalizing the data. The figures on this page were last verified November 12, 2026. ### Where does RateAPI get Morton Lane Credit Union's rate data? Rate data is collected directly from Morton Lane Credit Union's official website. RateAPI has no pay-to-rank incentives; see the methodology page for how rates are collected and normalized. ### What is Morton Lane Credit Union's mortgage rate? As of November 12, 2026, Morton Lane Credit Union offers a 30-year fixed mortgage at 7.281% APR. ### What is Morton Lane Credit Union's best CD rate? As of November 12, 2026, Morton Lane Credit Union offers savings and certificate (CD) yields up to 4.06% APY. ### Who can join Morton Lane Credit Union? Morton Lane Credit Union publishes its membership criteria on its own website. RateAPI tracks 24 published membership paths covering 16 employers, 2 associations, 3 schools and 1 places of worship for Morton Lane Credit Union, each quoted from Morton Lane Credit Union's own published membership criteria. Immediate family of an existing member also qualify. ## Related Rate Data Compare Morton Lane Credit Union's rates against national credit-union benchmarks. [More New York credit unions](https://rateapi.dev/credit-unions/new-york) [New York mortgage rate leaders](https://rateapi.dev/mortgage-rates/new-york) [Mortgage rate benchmark](https://rateapi.dev/mortgage-rate-benchmark) [How we verify rates](https://rateapi.dev/methodology) ### Source Information Rate data is scraped directly from the credit union's official website and verified daily by our automated systems. [View Original Source](https://www.mortonlanedirect.com/login/) ### Methodology Learn how we collect, normalize, and verify rate data with full transparency and no pay-to-rank incentives. [View Methodology](https://rateapi.dev/methodology) ## Track Morton Lane Credit Union rates Get a free API key to query these rates programmatically, or get the daily email when New York credit union rates move. Get a free API key [Daily rate email](https://rateapi.dev/daily-rate-emails) ## Use it via API Access this data programmatically with our REST API terminal ``` # Get rates for Morton Lane Credit Union curl "https://api.rateapi.dev/credit-unions/new-york /morton-lane " \ -H "Authorization : Bearer YOUR_API_KEY" ``` [Explore API Documentation](https://api.rateapi.dev/) [Use with Claude](https://rateapi.dev/#mcp) Branch locator ## Morton Lane Credit Union locations Search, filter, and browse all 5 NCUA-reported locations. Use my location Search branches Apply Sort near a ZIP **Loading branches…** Branch services ATM Drive-through Member services Shared branch Skip to main content --- Source: https://rateapi.dev/credit-unions/new-york/morton-lane Rate data API: https://api.rateapi.dev · OpenAPI: https://api.rateapi.dev/openapi.json · MCP: https://mcp.rateapi.dev/mcp