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 | 1.00% [3] | Open Online |
| 6 Month Certificate | 2.00% [3] | Open Online |
| 12 Month Certificate | 3.80% [2] | 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 | 3.80% [2] | Open Online |
| 24 Month Certificate | 3.55% [2] | Open Online |
| 30 Month Certificate | 3.65% [2] | Open Online |
| 36 Month Certificate | 3.55% [2] | Open Online |
| 48 Month Certificate | 3.65% [2] | Open Online |
| 60 Month Certificate | 3.65% [2] | 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.
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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.
1 Annual Percentage Yield (APY). Dividends compound monthly. Penalty for early withdrawal. Some restrictions apply. Rate subject to change.
2 Minimum to open is $500.
3 Minimum to open is $100.