What are the current interest rates at Morton Credit Union?

Current rates for Morton Credit Union include: 12-Month CD: 0.60%, 18-Month CD: 0.60%, 24-Month CD: 0.80%

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Morton Credit Union

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Morton Credit Union Rates & Review September 2026

Q: How many branches does Morton Credit Union operate?

Morton Credit Union currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Q: Is a member application needed to join Morton Credit Union?

Yes, to access services at Morton Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations.

Q: Is there a first-time homebuyer program?

Currently, Morton Credit Union does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Morton Credit Union provides members with tools to manage their accounts and build a solid financial history.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: September 3, 2026

Morton Credit Union's 24 Month CD rates are at 0.80%, 12 Month CD rates are at 0.60%, 18 Month CD rates are at 0.60%, 6 Month CD rates are at 0.50%. Morton Credit Union's Personal Loan Rates are at 11.50%. MonitorBankRates evaluates the financial stability of Morton Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 3.12%. Rates last updated and verified on 09/03/2026.

Morton Credit Union money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at Morton Credit Union? Share your experience about Morton Credit Union by leaving a review below, or read customer reviews before you decide to use Morton Credit Union.

Verified Healthy 2026 Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

A+

Exceptional Health Score: 98/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

3.12%

Excellent Lower than avg

Health Trend

Improving 12 quarters

Full history ›

Morton Credit Union
Morton Credit Union

121 Morton Dr
South Hutchinson, KS 67505-1319

https://mortoncu.com

Morton Credit Union CD Rates

Product	Rate	APY	Term
24 Month Share Certificate	0.80%	0.80%	24 Month
No additional details. Last Updated 09/03/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.12%
12 Month Share Certificate	0.60%	0.60%	12 Month
No additional details. Last Updated 09/03/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.12%
18 Month Share Certificate	0.60%	0.60%	18 Month
No additional details. Last Updated 09/03/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.12%
6 Month Share Certificate	0.50%	0.50%	6 Month
No additional details. Last Updated 09/03/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.12%

Morton Credit Union Savings Rates

Product	Rate	APY	View More
Christmas Club	0.20%	0.20%
No additional details. Last Updated 09/03/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.12%

Morton Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term
New Vehicles 2025 - 2026 84 Months Loan	6.00%	-	7.00%	84 Months
Details *84 Months only if auto has never been titled/Loan is >$35,000.00/Tier A or B Last Updated 09/03/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.12%
New Vehicles 2025 - 2026 60 Months Loan	8.00%	-	9.00%	60 Months
No additional details. Last Updated 09/03/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.12%
New Vehicles 2025 - 2026 72 Months Loan	8.00%	-	9.00%	72 Months
Details *72 Months only if auto has never been titled Last Updated 09/03/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.12%
Used Vehicles 2016 & Older Up to 36 Months Loan	6.50%	-	9.50%	Up to 36 Months
No additional details. Last Updated 09/03/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.12%
Used Vehicles 2017-2021 Up to 48 Months Loan	6.50%	-	9.50%	Up to 48 Months
No additional details. Last Updated 09/03/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.12%
Used Vehicles 2022-2024 Up to 60 Months Loan	6.50%	-	9.50%	Up to 60 Months
No additional details. Last Updated 09/03/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.12%

Morton Credit Union Personal Loan Rates

Product	APR	Term
Signature Loan 12 Month Term	11.50%	12 Month Term
Details up to $500 Last Updated 09/03/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.12%
Signature Loan 24 Month Term	11.50%	24 Month Term
Details $501 - $1500 Last Updated 09/03/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.12%
Signature Loan 36 Month Term	11.50%	36 Month Term
Details $1501 -$7500 Last Updated 09/03/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.12%

Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution's data from MonitorBankRates.com, please contact us here.

Financial Health History

Morton Credit Union’s Texas Ratio fell from 10.32% in Q2 2023 to 3.12% in Q1 2026, so its financial health has improved and is now very strong over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0 and its Health Grade from A to A+. Lower Texas Ratios are healthier; the amber line marks the 15% level a credit union must stay under to qualify for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures.

Swipe the chart sideways to see every quarter.

Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade15% Verified Healthy threshold

How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops.

Show the quarterly figures

Quarter	Total assets	Texas Ratio	Star Rating	Health Grade
March 31, 2026	$5M	3.12%	5.0	A+
December 31, 2025	$5M	2.24%	5.0	A+
September 30, 2025	$5M	4.38%	5.0	A+
June 30, 2025	$5M	11.74%	5.0	A
March 31, 2025	$5M	6.95%	5.0	A
December 31, 2024	$5M	1.61%	5.0	A+
September 30, 2024	$5M	0.50%	5.0	A+
June 30, 2024	$5M	0.71%	5.0	A+
March 31, 2024	$5M	4.90%	5.0	A+
December 31, 2023	$5M	6.19%	5.0	A
September 30, 2023	$6M	1.38%	5.0	A+
June 30, 2023	$6M	10.32%	5.0	A

Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.

Methodology & Data Sources

MonitorBankRates Star Rating

Our rating for Morton Credit Union is derived from comprehensive financial data published quarterly by the NCUA. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with member feedback (user reviews) to help you make informed banking decisions.

Texas Ratio

We calculate the Texas Ratio using standard industry methodology. This ratio compares the credit union's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.

Rate Data Aggregation

We gather Morton Credit Union rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.

Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions. It is always advisable to check with Morton Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Morton Credit Union

Website https://mortoncu.com

Address 121 Morton Dr, South Hutchinson, KS 67505-1319

Phone 620-665-6792

Fax 620-665-6859

President Jest Miller

CEO Christina Gardner

Full-Time Employees 3

Part-Time Employees 0

Branch Locations 3

ATM Locations 0

NCUA Insured ✓ Yes — Up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A+ (98/100)

Texas Ratio

3.12%

Return on Assets (ROA)

-0.1060%

Return on Equity (ROE)

-0.7716%

Non-Performing Loans Ratio (NPL)

0.62%

Total Assets

5,329,371

Total Amount of Shares and Deposits

4,577,433

Total Shares and Deposits < 1 Year

4,381,768

Total Shares and Deposits 1 3 Years

195,665

Total Insured Shares and Deposits > $250K (item 17 less item K)

4,577,433

Total Interest Expense (Sum of items 6 8)

7,968

Share Certificates

Number of Accounts for Share Drafts

390

Number of Accounts for Regular Shares

860

Money Market Shares

Net Income (unless the amount is already included in Undivided Earnings)

-5,650

Net Worth Classification if credit union is not new (Based upon Call Report data only See instructions)

Well Capitalized

Net Worth Classification if credit union is a new credit union

Well Capitalized

Total Cash on Deposit (Amounts Deposited in Financial Institutions)

680,733

Total Liabilities

4,597,272

Source: NCUA — Last Updated 03/31/2026

2026 MBR Health & Safety Badge

Morton Credit Union earned the Verified Healthy badge

Display this badge on your website to show visitors your 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.

Copy the HTML below and paste it into your website where you’d like the badge to appear. The badge image is hosted on MonitorBankRates — no need to download or upload anything.

<a href="https://monitorbankrates.com/credit-unions/morton-credit-union-rates-review-65466">
  <img src="https://www.monitorbankrates.com/wp-content/uploads/badges/mbr-badge-tier-c-2026.svg"
       alt="MonitorBankRates Verified Healthy Badge 2026"
       width="160" height="160">
</a>

Learn more about the MBR Health & Safety Badge program on our methodology page.

Customer Reviews

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☆☆☆☆☆

Total Reviews

Add Your Rating and Review for Morton Credit Union

Frequently Asked Questions About Morton Credit Union

How many branches does Morton Credit Union operate?

Morton Credit Union currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is a member application needed to join Morton Credit Union?

Yes, to access services at Morton Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations.

Is there a first-time homebuyer program?

Currently, Morton Credit Union does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Are credit management and repair services offered?

While formal credit repair services are not currently listed, Morton Credit Union provides members with tools to manage their accounts and build a solid financial history.

Does Morton Credit Union offer online and mobile banking?

Most modern institutions like Morton Credit Union provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://mortoncu.com.