Certificate Accounts

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. Like with bank certificates of deposit (cds), you earn great returns while knowing your money is secure.

Terms are available from a short three months to as long as 60 months, allowing you to manage your savings plan the way that's best for you.

Just starting out on your long-term savings? Langley's 3-Month and 6-Month Certificates can add value to your savings with higher dividend rates than most savings accounts. Save with ease by creating an automatic transfer to this certificate to start growing your balance monthly and earn larger dividends. You only need $100 to start!

Our high rates get even better with a 0.10% APY rate enhancement for our Active Rewards members.

Promotional Variable Rate Certificate

Langley's Variable Rate Promotional Certificate is the dependable, no-risk option for guaranteed returns and long-term security. Learn more about Langley's variable rate certificate.

Term Current APY [1]
60 Month 1.00% [5] Open Online

Promotional Fixed Rate Certificates

Term APY [1]
21 Month 1.00% [4]

Fixed Rate Certificates

Rates include an Active Rewards rate enhancement of 0.10%.

Term APY [1]
3 Month 0.20% [3] Open Online
6 Month 0.35% [3] Open Online
12 Month 0.60% [2] Open Online
18 Month 0.60% [2] Open Online
24 Month 0.60% [2] Open Online
30 Month 0.60% [2] Open Online
36 Month 0.60% [2] Open Online
48 Month 0.70% [2] Open Online
60 Month 0.70% [2] Open Online
[1] Annual Percentage Yield (APY). Dividends compound monthly. Penalty for early withdrawal. Some restrictions apply. Rate subject to change.
[2] Minimum to open is $1,000.
[3] Minimum to open is $100.
[4] Annual Percentage Yield of 1.00% for a 21-Month Certificate. Minimum to open a Certificate is $1,000. Maximum to deposit is $25,000. Limit one 21-Month Certificate account per member. Includes IRA Certificates. Minimum to open a IRA Certificate is $500. Maximum deposit is $25,000. Limit one 21-Month IRA Certificate account per member. If the regular or IRA certificates are funded with more than $25,000, the balance will be transferred to the primary savings. Promotion applies to all current members or new members in VA, NC, MD, and DC. Not eligible for Active Rewards rate enhancement and cannot be combined with any other promotional offer. Dividends compound monthly. Penalty for early withdrawal. Limited time offer. Some restrictions apply. Fees may reduce earnings on the account. Rate subject to change.
[5]Annual Percentage Yield (APY). Minimum to open is $1,000 and maximum to deposit is $250,000. Limit one 60-Month Variable Certificate account per member. Promotion applies to all current members or new members in VA, NC, MD, and DC. If the 60-month variable certificate is funded with more than $250,000, the balance will be transferred to the primary savings. The rate and annual percentage yield (“APY”) may change on a monthly basis (following the date of opening), based on subtracting a Margin of 2.25% from the Prime Rate published in the Wall Street Journal on the last publication date of the preceding month (“Index”)., The resulting APY is subject to a minimum APY requirement of 1.00% APY (“Floor”) and the maximum APY requirement of 10.00% APY (“Ceiling”). Not eligible for Active Rewards rate enhancement and cannot be combined with any other promotional offer. Penalty for early withdrawal. Limited time offer. Some restrictions apply. Fees may reduce earnings on the account. Rate subject to change.

Langley Rates effective as of August 25, 2021.