Morton Lane Federal Credit Union

Headquarters: Buffalo, New York
Charter: Credit Union
Assets: $62.8M
Fed district: New York

16 published fees; none has a market median to compare yet.

Source: its fee schedule, read Mar 17, 2026.

Explore Hamilton View published fees

Fees against the market

Comparison with U.S. medians for fees published by banks and credit unions.

Monthly Maintenance
Morton Lane Federal Credit Union: No fee
Morton Lane Federal Credit Union: No fee
U.S. median: no median
Overdraft (OD)
Morton Lane Federal Credit Union: $21
Morton Lane Federal Credit Union: $21
U.S. median: no median
NSF / Returned Item
Morton Lane Federal Credit Union: $21
Morton Lane Federal Credit Union: $21
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Mar 17, 2026View sources

Each amount links to the fee schedule it was read from. Medians for New York, the New York district and the U.S.: Bank Fee Index published fees, shown where at least 5 institutions publish the fee.

Compared at: The value this page compares: its one price, or the middle of its prices when it lists several (the highest, its standard fee, for overdraft).
Same rules: Its fees and every median use the same rules. Business-only fees are left out. So are CD, IRA, card inactivity, box drilling and key fees filed under a fee they don’t match, and fees charged by a different period than the median (a quarterly fee beside monthly ones).
New York: Banks and credit unions headquartered in New York that publish the fee.
New York district: Banks and credit unions headquartered in the New York Fed district that publish the fee.
U.S.: Banks and credit unions across the Bank Fee Index that publish the fee.
About the same: Within 1% of the median.
Account: Fees not tied to a named account apply across its personal accounts.

Hey Hamilton,What deserves a closer look?

Bring fees, filings and market context together.

Explore Hamilton Order a Competitive Fee Position Report from $300

Among its peers

Morton Lane Federal Credit Union · $63M in assets

The 25 credit unions closest in assets

Credit unions of similar size, for comparing published prices. Not local competitors: they're spread over 20 states.

Credit unions only
$61M to $65M in assets
Headquartered in 20 states

See the 25 institutions

The institutions in this peer set, with the fees each publishes
Institution	City, state	Assets	Maintenance	ATM	Domestic wire	Intl. wire	Overdraft
Morton Lane Federal Credit Union(this institution)	Buffalo, NY	$63M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
Acme Continental Federal Credit Union	Riverdale, IL	$62M	Monthly maintenance not published	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Overdraft not published
Atlantic City Electric Co Emp Federal Credit Union	Mays Landing, NJ	$63M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Overdraft not published
Bopti Federal Credit Union	San Pedro, CA	$63M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
C C S E Federal Credit Union	Salamanca, NY	$61M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Calcasieu Teachers And Employees Federal Credit Union	Lake Charles, LA	$63M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Cranberry Federal Credit Union	West Wareham, MA	$63M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
Doches Federal Credit Union	Nacogdoches, TX	$65M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Overdraft not published
Five Star Of Maryland Federal Credit Union	Baltimore, MD	$63M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Overdraft not published
Fort Billings Federal Credit Union	Paulsboro, NJ	$64M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
Healthcare Financial Federal Credit Union	New Haven, CT	$64M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
La Joya Area Federal Credit Union	La Joya, TX	$62M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Lincoln Park Community Federal Credit Union	Lincoln Park, MI	$63M	Monthly maintenance not published	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Publishes Overdraft
Members Preferred Federal Credit Union	Idaho Falls, ID	$63M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Mohave Community Federal Credit Union	Kingman, AZ	$61M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Overdraft not published
Morrisons Cove 1St Federal Credit Union	Roaring Spring, PA	$62M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
Panhandle Federal Credit Union	Wellington, KS	$62M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Overdraft not published
Perfect Circle Federal Credit Union	Hagerstown, IN	$63M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Rimrock Federal Credit Union	Billings, MT	$64M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
River Valley Community Federal Credit Union	Camden, AR	$64M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
Rolling F Federal Credit Union	Turlock, CA	$64M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Overdraft not published
San Juan Mountains Federal Credit Union	Montrose, CO	$61M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
South Bend Firefighters Federal Credit Union	South Bend, IN	$64M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
The Bridgeway Federal Credit Union	Phenix City, AL	$62M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	Publishes International wire	Overdraft not published
Topmark Federal Credit Union	Cridersville, OH	$63M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
University Of Louisiana Federal Credit Union	Lafayette, LA	$61M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Domestic wire not published	Publishes International wire	Publishes Overdraft

✓ publishes the fee. – not published.

25 peers selected · 9 publish this fee(monthly maintenance)

16 don't publish it: shown as not published, never as zero.

Fee type

Peer pricing snapshot

Monthly maintenance is $5 (100%) below the median of similar-sized credit unions.

Its published price is $0, against a peer median of $5 among 9 publishing peers.

This describes published pricing only. Account mix, waivers and actual fee revenue are not represented.

Source: Bank Fee Index, published fee schedules, as of Oct 31, 2026.

Monthly maintenance fee in dollars, one mark per institution

Morton Lane Federal Credi…Peer (equal prices stack)Peer median

Against this institution's monthly maintenance fee

Hamilton is the Fee Insight workspace for pricing teams.

Source: Bank Fee Index, published fee schedules, as of Oct 31, 2026. Total assets from FDIC and NCUA records.

How peers are chosen and counted

Every set except Home metro keeps the institution's own charter: banks against banks, credit unions against credit unions.
The set shown first is the first in the list with a peer median for each overdraft and monthly maintenance fee this institution publishes. If none has them all, it is the set with the most.
Closest in assets takes the institutions nearest its total assets among those that publish fees.
Home metro is the metro where it has the most branches. It counts the banks with a branch there (FDIC Summary of Deposits) and the credit unions with a branch in one of the metro's cities (NCUA). Banks only leaves the credit unions out.
State and Fed district count institutions headquartered there. Size uses its asset-size band.
Regulator uses the bank's primary federal regulator; for a credit union, its federal or state charter.
A set lists the institutions that publish at least one fee. This institution is not counted in its own set.
Each institution counts once per fee: the middle of its prices, or for overdraft its highest.
A peer median needs at least 8 peers that publish the fee. With fewer, the fee reads "too few to compare".
A fee an institution does not publish is shown as not published, never as zero.
About the same: within 1% of the median, in this section and everywhere on this page. Above or below means further than that.
A set with more than 50 peers shows the 50 closest in assets. Its medians and counts still use every peer in the set.

Published fee schedule

Amounts from Morton Lane Federal Credit Union’s own schedules, with a source for each figure.

Account Maintenance

Monthly ServiceNo charge
per month
Dormant Accounts - Inactive for Over 24 Months Fee/Month$20
per month
Checkbook Balancing Per Half Hour$25
Bad Address / No Contact / Return Mail$15

Overdraft & NSF

Courtesy Pay$21
ATM Card Non-Sufficient Funds$21
DEBIT Card Non-Sufficient Funds$21
Home Banking Non-Sufficient Funds$21
Return Draft/ NSF Fee$21

ATM & Card

ATM Balance Inquiries$0.75
ATM Cash Withdrawals$1
ATM Transfers$1
Replacement of Visa ATM-DEBIT-CREDIT Card$15
Expedited Replacement of Visa ATM/Debit Card$25

Wire Transfers

Outgoing Wire (Domestic Only)$35
Incoming Wire (Domestic Only) + More$5

Check Services

Stop Payment$20
Stop Payment on A Withdrawal Check$35
Photo Copy of Check$5

Digital & Electronic

ACH Stop Return$20

Cash & Deposit

Deposited Return Item$20

Account Services

Garnishment/Levy$25

Other Fees

Quarterly Statement Copy$5
Not compared: Quarterly charge, not per item
per quarter

Fee	Amount	Basis	Note
Account Maintenance
Monthly Service	No charge	per month	None
Dormant Accounts - Inactive for Over 24 Months Fee/Month	$20	per month	None
Checkbook Balancing Per Half Hour	$25	Not stated	None
Bad Address / No Contact / Return Mail	$15	Not stated	None
Overdraft & NSF
Courtesy Pay	$21	Not stated	None
ATM Card Non-Sufficient Funds	$21	Not stated	None
DEBIT Card Non-Sufficient Funds	$21	Not stated	None
Home Banking Non-Sufficient Funds	$21	Not stated	None
Return Draft/ NSF Fee	$21	Not stated	None
ATM & Card
ATM Balance Inquiries	$0.75	Not stated	None
ATM Cash Withdrawals	$1	Not stated	None
ATM Transfers	$1	Not stated	None
Replacement of Visa ATM-DEBIT-CREDIT Card	$15	Not stated	None
Expedited Replacement of Visa ATM/Debit Card	$25	Not stated	None
Wire Transfers
Outgoing Wire (Domestic Only)	$35	Not stated	None
Incoming Wire (Domestic Only) + More	$5	Not stated	None
Check Services
Stop Payment	$20	Not stated	None
Stop Payment on A Withdrawal Check	$35	Not stated	None
Photo Copy of Check	$5	Not stated	None
Digital & Electronic
ACH Stop Return	$20	Not stated	None
Cash & Deposit
Deposited Return Item	$20	Not stated	None
Account Services
Garnishment/Levy	$25	Not stated	None
Other Fees
Quarterly Statement Copy	$5Not compared: Quarterly charge, not per item	per quarter	None

Correct a fee source

Mar 17, 2026 data snapshot. Each amount links to its fee schedule. The U.S. comparison is the middle 50% of Bank Fee Index published fees, shown where at least 5 institutions publish the fee.

Fee change alerts

Get an email when Morton Lane Federal Credit Union's nsf / returned item changes in our data

We check once a day and send one email covering every change.

Fees against the market

Comparison with U.S. medians for fees published by banks and credit unions.

Monthly Maintenance
Morton Lane Federal Credit Union: No fee
Morton Lane Federal Credit Union: No fee
U.S. median: no median
Overdraft (OD)
Morton Lane Federal Credit Union: $21
Morton Lane Federal Credit Union: $21
U.S. median: no median
NSF / Returned Item
Morton Lane Federal Credit Union: $21
Morton Lane Federal Credit Union: $21
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Mar 17, 2026View sources

Each amount links to the fee schedule it was read from. Medians for New York, the New York district and the U.S.: Bank Fee Index published fees, shown where at least 5 institutions publish the fee.

Compared at: The value this page compares: its one price, or the middle of its prices when it lists several (the highest, its standard fee, for overdraft).
Same rules: Its fees and every median use the same rules. Business-only fees are left out. So are CD, IRA, card inactivity, box drilling and key fees filed under a fee they don’t match, and fees charged by a different period than the median (a quarterly fee beside monthly ones).
New York: Banks and credit unions headquartered in New York that publish the fee.
New York district: Banks and credit unions headquartered in the New York Fed district that publish the fee.
U.S.: Banks and credit unions across the Bank Fee Index that publish the fee.
About the same: Within 1% of the median.
Account: Fees not tied to a named account apply across its personal accounts.

Among its peers

Morton Lane Federal Credit Union · $63M in assets

The 25 credit unions closest in assets

Credit unions of similar size, for comparing published prices. Not local competitors: they're spread over 20 states.

Credit unions only
$61M to $65M in assets
Headquartered in 20 states

See the 25 institutions

The institutions in this peer set, with the fees each publishes
Institution	City, state	Assets	Maintenance	ATM	Domestic wire	Intl. wire	Overdraft
Morton Lane Federal Credit Union(this institution)	Buffalo, NY	$63M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
Acme Continental Federal Credit Union	Riverdale, IL	$62M	Monthly maintenance not published	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Overdraft not published
Atlantic City Electric Co Emp Federal Credit Union	Mays Landing, NJ	$63M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Overdraft not published
Bopti Federal Credit Union	San Pedro, CA	$63M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
C C S E Federal Credit Union	Salamanca, NY	$61M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Calcasieu Teachers And Employees Federal Credit Union	Lake Charles, LA	$63M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Cranberry Federal Credit Union	West Wareham, MA	$63M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
Doches Federal Credit Union	Nacogdoches, TX	$65M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Overdraft not published
Five Star Of Maryland Federal Credit Union	Baltimore, MD	$63M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Overdraft not published
Fort Billings Federal Credit Union	Paulsboro, NJ	$64M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
Healthcare Financial Federal Credit Union	New Haven, CT	$64M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
La Joya Area Federal Credit Union	La Joya, TX	$62M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Lincoln Park Community Federal Credit Union	Lincoln Park, MI	$63M	Monthly maintenance not published	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Publishes Overdraft
Members Preferred Federal Credit Union	Idaho Falls, ID	$63M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Mohave Community Federal Credit Union	Kingman, AZ	$61M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Overdraft not published
Morrisons Cove 1St Federal Credit Union	Roaring Spring, PA	$62M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
Panhandle Federal Credit Union	Wellington, KS	$62M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Overdraft not published
Perfect Circle Federal Credit Union	Hagerstown, IN	$63M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Rimrock Federal Credit Union	Billings, MT	$64M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
River Valley Community Federal Credit Union	Camden, AR	$64M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
Rolling F Federal Credit Union	Turlock, CA	$64M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Overdraft not published
San Juan Mountains Federal Credit Union	Montrose, CO	$61M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
South Bend Firefighters Federal Credit Union	South Bend, IN	$64M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
The Bridgeway Federal Credit Union	Phenix City, AL	$62M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	Publishes International wire	Overdraft not published
Topmark Federal Credit Union	Cridersville, OH	$63M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
University Of Louisiana Federal Credit Union	Lafayette, LA	$61M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Domestic wire not published	Publishes International wire	Publishes Overdraft

✓ publishes the fee. – not published.

25 peers selected · 9 publish this fee(monthly maintenance)

16 don't publish it: shown as not published, never as zero.

Fee type

Peer pricing snapshot

Monthly maintenance is $5 (100%) below the median of similar-sized credit unions.

Its published price is $0, against a peer median of $5 among 9 publishing peers.

This describes published pricing only. Account mix, waivers and actual fee revenue are not represented.

Source: Bank Fee Index, published fee schedules, as of Oct 31, 2026.

Monthly maintenance fee in dollars, one mark per institution

Morton Lane Federal Credi…Peer (equal prices stack)Peer median

Against this institution's monthly maintenance fee

Hamilton is the Fee Insight workspace for pricing teams.

Source: Bank Fee Index, published fee schedules, as of Oct 31, 2026. Total assets from FDIC and NCUA records.

How peers are chosen and counted

Every set except Home metro keeps the institution's own charter: banks against banks, credit unions against credit unions.
The set shown first is the first in the list with a peer median for each overdraft and monthly maintenance fee this institution publishes. If none has them all, it is the set with the most.
Closest in assets takes the institutions nearest its total assets among those that publish fees.
Home metro is the metro where it has the most branches. It counts the banks with a branch there (FDIC Summary of Deposits) and the credit unions with a branch in one of the metro's cities (NCUA). Banks only leaves the credit unions out.
State and Fed district count institutions headquartered there. Size uses its asset-size band.
Regulator uses the bank's primary federal regulator; for a credit union, its federal or state charter.
A set lists the institutions that publish at least one fee. This institution is not counted in its own set.
Each institution counts once per fee: the middle of its prices, or for overdraft its highest.
A peer median needs at least 8 peers that publish the fee. With fewer, the fee reads "too few to compare".
A fee an institution does not publish is shown as not published, never as zero.
About the same: within 1% of the median, in this section and everywhere on this page. Above or below means further than that.
A set with more than 50 peers shows the 50 closest in assets. Its medians and counts still use every peer in the set.

Published fee schedule

Amounts from Morton Lane Federal Credit Union’s own schedules, with a source for each figure.

Account Maintenance

Monthly ServiceNo charge
per month
Dormant Accounts - Inactive for Over 24 Months Fee/Month$20
per month
Checkbook Balancing Per Half Hour$25
Bad Address / No Contact / Return Mail$15

Overdraft & NSF

Courtesy Pay$21
ATM Card Non-Sufficient Funds$21
DEBIT Card Non-Sufficient Funds$21
Home Banking Non-Sufficient Funds$21
Return Draft/ NSF Fee$21

ATM & Card

ATM Balance Inquiries$0.75
ATM Cash Withdrawals$1
ATM Transfers$1
Replacement of Visa ATM-DEBIT-CREDIT Card$15
Expedited Replacement of Visa ATM/Debit Card$25

Wire Transfers

Outgoing Wire (Domestic Only)$35
Incoming Wire (Domestic Only) + More$5

Check Services

Stop Payment$20
Stop Payment on A Withdrawal Check$35
Photo Copy of Check$5

Digital & Electronic

ACH Stop Return$20

Cash & Deposit

Deposited Return Item$20

Account Services

Garnishment/Levy$25

Other Fees

Quarterly Statement Copy$5
Not compared: Quarterly charge, not per item
per quarter

Fee	Amount	Basis	Note
Account Maintenance
Monthly Service	No charge	per month	None
Dormant Accounts - Inactive for Over 24 Months Fee/Month	$20	per month	None
Checkbook Balancing Per Half Hour	$25	Not stated	None
Bad Address / No Contact / Return Mail	$15	Not stated	None
Overdraft & NSF
Courtesy Pay	$21	Not stated	None
ATM Card Non-Sufficient Funds	$21	Not stated	None
DEBIT Card Non-Sufficient Funds	$21	Not stated	None
Home Banking Non-Sufficient Funds	$21	Not stated	None
Return Draft/ NSF Fee	$21	Not stated	None
ATM & Card
ATM Balance Inquiries	$0.75	Not stated	None
ATM Cash Withdrawals	$1	Not stated	None
ATM Transfers	$1	Not stated	None
Replacement of Visa ATM-DEBIT-CREDIT Card	$15	Not stated	None
Expedited Replacement of Visa ATM/Debit Card	$25	Not stated	None
Wire Transfers
Outgoing Wire (Domestic Only)	$35	Not stated	None
Incoming Wire (Domestic Only) + More	$5	Not stated	None
Check Services
Stop Payment	$20	Not stated	None
Stop Payment on A Withdrawal Check	$35	Not stated	None
Photo Copy of Check	$5	Not stated	None
Digital & Electronic
ACH Stop Return	$20	Not stated	None
Cash & Deposit
Deposited Return Item	$20	Not stated	None
Account Services
Garnishment/Levy	$25	Not stated	None
Other Fees
Quarterly Statement Copy	$5Not compared: Quarterly charge, not per item	per quarter	None

Correct a fee source

Mar 17, 2026 data snapshot. Each amount links to its fee schedule. The U.S. comparison is the middle 50% of Bank Fee Index published fees, shown where at least 5 institutions publish the fee.