Save, Borrow, and Spend Wisely
Langley Federal Credit Union
Langley improves members' lives by helping them save, borrow and spend wisely. Once you join through our quick and easy online application, you'll see why so many others are joining Langley!
We exist to provide the best service possible to our members, not to churn profit for stockholders by charging high fees. Unlike big banks, credit unions are member-owned, not-for-profit financial cooperatives dedicated to improving members' lives.
At Langley, we focus on your financial success. You deserve the best for your money.
LangleyPays Checking
- 10 cents debit rewards[1] for every purchase
- 10% interest rebate on loan payments[2]
- Get paid up to 3 days early
- No minimum balance
- No monthly maintenance fees
Smart Checking
- Completely free
- 10% interest rebate on loan payments[2]
- Get paid up to 3 days early
- No minimum balance
- No monthly maintenance fees
Platinum Checking
- Earn dividends on balances of $10,000 or more[3]
- No monthly fee on balances of $10,000 or more[3]
- 10% interest rebate on loan payments[2]
- Free checks
Learn more about our checking accounts.
Signature Cash Back
- 5% cash back on various monthly categories
- 3% on gas, 2% on groceries and wholesale clubs, and 1% on everything else[4]
- No annual fee
Platinum Select
- Enjoy the lowest APR[5]; great for maintaining a balance
- No annual fee
Platinum Quint
- Enjoy 1% cash back on five different categories and a low APR[6]
- No annual fee
Learn more about our credit cards.
Auto Loans
- 10% interest rebate on loan payments[2]
- Rates as low as 4.99% for 75 months[7]
- Flexible payment options
Personal Loans
- 10% interest rebate on loan payments[2]
- Fixed rates—never worry about increasing rates
- Same day funding
- Terms up to 96 months
Student Loans
- Fill the funding gap or refinance for one low monthly payment
First Time Buyer[8]
- No private mortgage insurance
- No down payment required
Fixed Rate
- Consistent monthly mortgage payments
- Multiple term offerings
Adjustable Rate
- Lower starting payments
- Monthly mortgage payments more affordable during first years
VA Loan
- No down payment required
- VA loan benefits can be reused
Learn more about our mortgage loans.
Beyond the Branch
Reaching us is easy and virtual!
24/7 Online & Mobile Banking
Empowers you by placing control of your money at your fingertips.
Langley Video Banking
Connect virtually with real people, in real time, for real service.
Frequently Asked Questions
Becoming a member is easy. Set up your account online or over the phone with one of our representatives.
Open Online Call Now
You can enroll for Online Banking to access your account information, make transfers and more! Online banking is available 24/7 on a phone, tablet or desktop computer. The Langley Mobile Banking app is available on both iOS and Android.
Learn MoreWith Online Banking, you can view your account balances, schedule transfers, view your FICO score, set up automatic bill pay and more. Online Banking can be accessed via phone, tablet, or computer day or night. Take Langley with you wherever you go!
Learn More
[1]Offer applies to members with a credit score of 600 or better depending on credit qualifications. Direct deposit, Online Banking, and eStatements required. Limit one LangleyPays Checking account per member.
[2]Langley's Interest Rebate Program
[3]The minimum to open is $10,000 and the minimum to earn dividends is an average daily balance of $10,000. Dividends compound and credit monthly. No monthly maintenance fee if average daily balance is $10,000 or more; $10 fee if less than $10,000. Offer available to qualifying members. Fees may reduce earnings on the account. Some restrictions apply
[4]Signature Cash Back VISA credit card holders will receive 3% cash back on gas purchases, 2% cash back on in store grocery and wholesale club purchases and 1% cash back on all other purchases. Annual Percentage Rates (APR) for cards are variable and determined by credit history, subject to approval. The Langley Signature Cash Back credit is applied to your savings account and shown on your statement. Federally Insured by NCUA.
[5]Annual Percentage Rate (APR) is variable and determined by credit history. The minimum required to open an account is the purchase of a share in the Credit Union ($5).
[6]Platinum Quint Visa credit card holders will receive 1% cash back on EV charging stations, gas, groceries, wholesale club purchases, and drug store purchases. Annual Percentage Rates (APR) for cards are variable and determined by credit history, subject to approval. The Langley Platinum Quint Visa cash back is applied to your savings account and shown in Online Banking.
[7]Term for 4.99% APR (Annual Percentage Rate) is up to 75 months. Rates and terms are subject to change at any time without notice. A $15,000 loan at 4.99% APR for 75 months would have monthly payments of $234. Must be current on your auto loan payments to qualify. Existing Langley Federal Credit Union loans not eligible for this offer. Rates shown are based on credit score of 740 or better and based on creditworthiness, so your rate may differ. Credit is subject to approval. APRs and payments may vary for other loan amounts and terms.
[8]To participate, members must have not previously owned a home. Upon completion of the program, eligible members may lock in today's interest rate for 90 days. A contract must be presented within 60 days and closed by day 90. The loan options are the 5/5 ARM and 30 Year Fixed. Maximum loan amount is $355,000. Gifts will only be allowed if applied to the down payment to reduce the loan amount. Cash back includes origination fee and appraisal fee not to exceed $1,000.