Welcome to your financial fitness journey! As the new year kicks off, it’s natural to set fresh goals and rethink old habits. Just like a new workout routine helps you build momentum, the right financial tools can help your money thrive all year long. Whether you’re just starting out or leveling up your savings game, Langley Federal Credit Union has the equipment you need to train smarter, not harder in the year ahead. 

Warm-Up: Start with Smart Spending

Before you jump into savings goals and resolutions, start by making your everyday spending work harder for you, because smart habits are easiest to stick with when they fit naturally into your routine. That’s where CashBack+ comes in. 

Think of CashBack+ as a built-in part of your financial fitness plan. Langley members can access this feature directly in our Digital Banking App and earn 20% cashback on everyday purchases from 80+ brands like Amazon, Target, and Starbucks. And with the CashBack+ Pay app, it's easier than ever to earn—in-store or online—on your everyday purchases!

Core Strength: Build Your Savings Muscle 

High-Yield Savings: The Heavy Lifter 

Think of a regular savings account as light dumbbells, and a high-yield savings as a bench press. This account pays a higher interest rate than a standard savings account, helping your money grow faster over time! 

Share Certificates: Lock in Gains Like a Pro

Ready to level up? Share certificates let you lock in your money for a set period (called a term) in exchange for an interest rate return. Share certificates are like training for a marathon: committed, disciplined, and rewarding in the end. With competitive rates, your money earns more, the longer you stay dedicated. 

Kickstart Your Saving Routine

Langley Saves: Big Gains for Small Beginnings 

You know how finding a routine that works best for you is what eventually helps you score big? That’s the Langley Saves Account. With no stressful fees and no minimum balance, Langley Saves is designed to fit your life. 

Those few bucks you set aside in Langley Saves may feel small now, but they’re building something big: the freedom to say “yes” to things like your own apartment or a brand-new car!

Automatic Savings Transfers: Reps You Don’t Even Feel

Consistency is key, and Langley makes that easy with automatic savings transfers. 

Just like setting a workout routine, you can program regular transfers from checking to savings—e.g., a weekly “15 reps” in your Langley Digital Banking App that bulk up your balance without you having to think about it. Set it once and watch your savings grow automatically! 

Cool Down: Celebrate Your Wins!

Just like a great workout leaves you feeling accomplished, mastering your finances gives you confidence and peace of mind. Whether you’re earning extra cashback, boosting your interest with a high-yield savings, or automating your savings routine, you’re building habits that’ll last a lifetime. 

So start a fresh financial routine, keep the Langley Digital Banking App handy, and let’s make this year your strongest one yet!