We and our partners use cookies and other tracking technologies to improve your online experience, help prevent fraud, deliver targeted ads, and support other business purposes. By visiting our site, you're agreeing to our Privacy Policy.

Short-Term Certificates

Add Funds at Any Time

Our short-term certificates combine competitive rates with the flexibility to add funds anytime, ideal for growing your savings short-term — on your terms.

Term APY 1
3 Month Certificate 0.90% 2 Open Online
6 Month Certificate 1.90% 2 Open Online
12 Month Certificate 3.30% 3 Open Online

Long-Term Certificates

Grow Your Investment Over Time

Secure and increase your savings with our long-term certificates, offering stability and higher returns for your future.

Term APY 1
18 Month Certificate 3.30% 3 Open Online
24 Month Certificate 3.20% 3 Open Online
30 Month Certificate 3.20% 3 Open Online
36 Month Certificate 3.20% 3 Open Online
48 Month Certificate 3.20% 3 Open Online
60 Month Certificate 3.40% 3 Open Online

Just Like Bank CDs, Only Better

Save with peace of mind knowing that your money is earning great returns in a Langley certificate! At Langley, we offer some of the best rates on both short and long term certificates. Just like bank CDs, you earn strong returns — only with better value from Langley.

Open Today Already a Langley Member?

Deposit Resources

Money Market

Increase your rate as your balance grows.

Learn More
IRAs

A smart foundation for any retirement strategy.

Learn More
Calculators

Not sure where to begin? We’ll help you run the numbers.

Learn More

FAQs

What is a Certificate and how do they work?
A Certificate is a special savings account where you agree to keep your money locked in for a set period of time—like 6 months, 1 year, or even longer. In exchange, Langley gives you a higher interest rate than a regular savings account. When the time is up (this is called "maturity"), you get your money back plus the interest you earned. Alternatively, you may choose to renew your certificate towards the end of its term, potentially at a better rate.
Are my funds insured?
Yes! Funds deposited at Langley are insured up to $250,000 by the National Credit Union Administration (NCUA).
Are certificates still a good option if I can't deposit a lot of money?
Sure! Many certificates have low minimum deposit amounts, sometimes starting at $500 or less. Even small deposits can grow faster in a certificate thanks to higher interest rates. It’s a safe and easy way to earn more on your savings, whether you're building savings for college or your next big milestone, certificates are a great place to get started.
Why would I choose a certificate instead of a regular savings account?
Certificates usually pay higher interest rates than regular savings accounts, which means your money grows faster. They're great if you have some cash you don’t need to spend right away and want to earn more on it safely. Certificates also help you resist the temptation to spend, since you can’t easily take the money out early.
What happens if I need my money before the certificate term ends?
You can take your money out early, but there’s a catch: you’ll have to pay an early withdrawal penalty. This penalty might reduce the interest you earned, or even take a bit from your original deposit. That’s why it’s smart to only put money in a certificate that you’re sure you won’t need until the term is up.

The early withdrawal penalty is based on the term of the certificate. For certificate terms between 3-6 months, the penalty is 90 days' dividends on the amount withdrawn. For certificate terms 12 months or greater, the penalty is 180 days' dividends on the amount withdrawn.
1

Annual Percentage Yield (APY). Dividends compound monthly. Penalty for early withdrawal. Some restrictions apply. Rate subject to change.

2

Minimum to open is $100.

3

Minimum to open is $500.