Credit union · NCUA insured
Morton Lane Federal Credit Union CD Rates
Morton Lane Federal Credit Union’s best CD rate is 4.06% APY on a 42-month share certificate (CD). Terms run from 15 months to 54 months. Rates checked November 7, 2026.
How Morton Lane Federal Credit Union’s 18-month CD compares
On $10,000. The best rate among banks and credit unions with branches in each area, and among accounts anyone can open online.
This credit union’s 18-month CD
Morton Lane Federal Credit Union
3.80%APY
- Minimum
- $25,000
Jumbo CD
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Every rate
Current CD rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
Jumbo CD
Up to 4.06%APY · 5 terms
Non-IRA only. Balance $25,000 or more. Minimum certificate deposit is $1,000. Early withdrawal penalties may apply.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 15 monthsNon-IRA only. APR 3rd QTR 2026 is 3.75% | 3.80% | — |
| 18 monthsNon-IRA only. APR 3rd QTR 2026 is 3.75% | 3.80% | — |
| 30 months2-1/2 Year term; Balance $25,000+; Non-IRA Only | 3.80% | — |
| 42 monthsNon-IRA only. APR 3rd QTR 2026 is 4.00% | 4.06% | — |
| 54 monthsNon-IRA only. APR 3rd QTR 2026 is 4.00% | 4.06% | — |
Sources (1)
- mortonlanedirect.com/rates/cd · captured Nov 7, 2026
Special-purpose accounts
Certificate of Deposit
Up to 3.80%APY · 3 terms
Minimum certificate deposit is $1,000. Early withdrawal penalties may apply. Membership requires purchasing and maintaining 5 shares ($1.00 par value each).
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 monthsAvailable for IRA or Non-IRA. APR 3rd QTR 2026 is 3.00% | 3.03% | $303 |
| 36 monthsAvailable for IRA or Non-IRA. APR 3rd QTR 2026 is 3.50% | 3.55% | $1,103 |
| 60 monthsAvailable for IRA or Non-IRA. APR 3rd QTR 2026 is 3.75% | 3.80% | $2,050 |
3 more rates on its site come from an older rate sheet (2020) and aren’t shown as current.
Sources (1)
- mortonlanedirect.com/rates/cd · captured Nov 7, 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This may be incomplete or out of date, so check with the credit union before you apply.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.