Credit union · NCUA insured
Morton Lane Federal Credit Union Savings Rates
Morton Lane Federal Credit Union’s best savings rate is 0.15% APY on $10,000, with its Primary Share Accounts (Savings). Rates checked October 16, 2026.
How Morton Lane Federal Credit Union’s savings rates compare
Compared with banks and credit unions near Buffalo, NY, where Morton Lane Federal Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Morton Lane Federal Credit Union
0.15%APY
- Requires
- None
- Minimum
- —
- Earns on $10,000 a year
- $15
Primary Share Accounts (Savings)
Top rate
HSBC USA
4.40%APY
- Requires
- Monthly account activity
- Minimum
- —
- Earns on $10,000 a year
- $440
2nd-highest rate
Northwest Bank
4.00%APY
- Requires
- None
- Minimum
- $1
- Earns on $10,000 a year
- $400
Morton Lane Federal Credit Union savings score
66
Savings score
Higher than 17% of U.S. banks and credit unions
- $1,000 balance$1,0000.01%
- $10,000 balance$10,0000.15%
- $100,000 balance$100,0000.50%
- QualifiedQualified0.15%
Each track runs from the lowest to the highest rate among U.S. banks and credit unions; the dot is this rate.Qualified: needs another account or monthly activity.
Where Morton Lane Federal Credit Union ranks
By savings score, in each area where it has branches
Every rate
Current savings rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
Primary Share Accounts (Savings)
0.15%APY
Primary account for all members representing ownership share in the Credit Union. Must maintain a minimum balance of $5.00 to remain active. Dividends are calculated on average daily balance and paid quarterly on deposit accounts that maintain a balance of $500.00.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $500 – $2,0003rd QTR 2026 dividend rate. Minimum balance of $500 required to earn dividends. | 0.01% | — | 3rd QTR 2026 dividend rate. Minimum balance of $500 required to earn dividends. |
| $2,000 – $5,0003rd QTR 2026 dividend rate. | 0.01% | — | 3rd QTR 2026 dividend rate. |
| $5,000 – $10,0003rd QTR 2026 dividend rate. | 0.05% | — | 3rd QTR 2026 dividend rate. |
| $10,000 – $20,0003rd QTR 2026 dividend rate. | 0.15% | $15 | 3rd QTR 2026 dividend rate. |
| $20,000 – $50,0003rd QTR 2026 dividend rate. | 0.30% | — | 3rd QTR 2026 dividend rate. |
| $50,000 – $100,0003rd QTR 2026 dividend rate. | 0.50% | — | 3rd QTR 2026 dividend rate. |
| $100,000 and up3rd QTR 2026 dividend rate. | 0.50% | — | 3rd QTR 2026 dividend rate. |
Sources (2)
All captured Sep 26, 2026
Special-purpose accounts
Individual Retirement
0.30%APY
Deposit accounts must maintain a balance of $500 to earn dividends. Dividend amounts are calculated on average daily balance for the quarter.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $500 and up3rd QTR 2026 dividend rate. Minimum balance of $500 required to earn dividends.$500 and up | 0.30% | $30 | 3rd QTR 2026 dividend rate. Minimum balance of $500 required to earn dividends. |
Sources (1)
- mortonlanedirect.com/rates/dividend · captured Sep 26, 2026
Holiday Club Account
0.05%APY
Earns dividends without the minimum balance requirement. Balance automatically transfers to primary share account during the first week of November.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balance3rd QTR 2026 dividend rate. No minimum balance requirement to earn dividends.Any balance | 0.05% | $5 | 3rd QTR 2026 dividend rate. No minimum balance requirement to earn dividends. |
Sources (2)
All captured Sep 26, 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.