Credit union · NCUA insured
Morton Lane Federal Credit Union Auto Loan Rates
Morton Lane Federal Credit Union auto loans start at 7.00% APR for a new vehicle and 8.00% for a used one. Rates checked October 16, 2026.
How Morton Lane Federal Credit Union’s auto loan rates compare
Compared with banks and credit unions near Buffalo, NY, where Morton Lane Federal Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Morton Lane Federal Credit Union
7.00%APR
- Terms
- —
- Discount
- None included
New Auto Loan
Lowest rate
EmpireONE Federal Credit Union
3.50%APR
- Terms
- up to 60 months
- Discount
- None included
2nd-lowest rate
Niagara's Choice
3.70%APR
- Terms
- —
- Discount
- Included in the rate
Morton Lane Federal Credit Union auto loan score
61
Auto loan score
Higher than 4% of U.S. banks and credit unions
- New vehicleNew7.00%
- Used vehicleUsed8.00%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Morton Lane Federal Credit Union ranks
By auto loan score, in each area where it has branches
Every rate
Current auto loan rates
Rates from the credit union’s website. Most are “as low as” rates for the best credit; yours depends on your credit, the term and the vehicle.
New Motorcycle / Scooter
The loan rates stated above will be 1.00% more for members who do not repay their loan through payroll deduction.
| Terms | APR | Conditions |
|---|---|---|
| up to 60 months | 8.50% | The loan rates stated above will be 1.00% more for members who do not repay their loan through payroll deduction. |
Sources (1)
- mortonlanedirect.com/rates · captured Oct 16, 2026
Used Automobile
The loan rates stated above will be 1.00% more for members who do not repay their loan through payroll deduction.
| Terms | APR | Conditions |
|---|---|---|
| 12–60 months | 8.00% | The loan rates stated above will be 1.00% more for members who do not repay their loan through payroll deduction. |
| 72–84 months | 8.50% | The loan rates stated above will be 1.00% more for members who do not repay their loan through payroll deduction. |
Sources (1)
- mortonlanedirect.com/rates · captured Oct 16, 2026
Used Motorcycle / Scooter
The loan rates stated above will be 1.00% more for members who do not repay their loan through payroll deduction.
| Terms | APR | Conditions |
|---|---|---|
| up to 60 months | 9.50% | The loan rates stated above will be 1.00% more for members who do not repay their loan through payroll deduction. |
Sources (1)
- mortonlanedirect.com/rates · captured Oct 16, 2026
Who can join Morton Lane Federal Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Employers and groups
- Members of the Morton Lane Charitable Foundation are eligible to join.
- Employees of Hauptman-Woodward Medical Institute are eligible to join.
- Employees of Research Institute on Alcoholism are eligible to join.
- Employees of Roswell Park Alliance Foundation are eligible to join.
- Employees of Roswell Park Day Care are eligible to join.
- Employees of Roswell Park Cancer Institute are eligible to join.
11 more ways to join
Employers and groups
- Members of Temple Beth Tzedek are eligible to join.
Military, government and schools
- Members of the Alumni Association at UB or Buffalo State are eligible to join.
- Employees of Buffalo State Child Care Center are eligible to join.
- Employees of Buffalo State College Foundation are eligible to join.
- Employees of Buffalo State are eligible to join.
- Graduate students of UB or Buffalo State College are eligible to join.
- Faculty, staff, and students of St. Joseph Collegiate Institute are eligible to join.
- Employees of University at Buffalo are eligible to join.
- Undergraduate students of UB or Buffalo State are eligible to join.
Family and household
- Immediate family members of eligible individuals are eligible to join.
Other ways
- Retirees of any of the eligible employers are eligible to join.
Membership information collected October 5, 2026.