Give Your Savings an Edge!

Langley's Variable Rate Certificate


Langley's 60-Month Variable Rate Promotional Certificate ensures you’ll earn at least 1.00% APY[1] now and enjoy the increase in return as rates rise. No more shopping rates and deciding when to pull the trigger and lock up your funds!

With this certificate, you’ll never earn less than 1.00% APY[1] and will have the potential to earn up to 10% APY [1] when rates rise.

Secure up to $250,000 in this limited-time promotion offered to all current members or new members in VA, NC, MD, and DC.


How it Works

The rate is determined by subtracting a margin of 2.25% from the current Prime Rate. If prime has not changed, your rate will not be affected.


Prime Rate Calculator


% = 1.00%
*The calculator shows what the rate would be if prime was xx amount. Keep in mind... The rate will never exceed 10% or less than 1%.*

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Current Rate
1.00% APY[1]

How is this calculated?

Current Prime Rate = 3.25%
(As of July 30, 2021)

Interest Rate Breakdown
3.25% (Current Prime Rate) -
2.25% (Promotion Margin) =
----------
1.00% APY[1]
(Variable Certificate Rate)


Who is eligible to open this certificate?

All current members or new members in VA, NC, MD, and DC.

Is there a penalty for early withdrawal?

The penalty for early withdrawal is 180 days interest.

Is this for new deposit money only?

While this offer is available to existing deposits, we encourage members to take full advantage of this limited time offer by bringing new deposits to fund the account.

Does it automatically renew?

The certificate will automatically renew into a fixed-rate 60-Month Certificate.

How often will the rate change?

The rate is determined by Prime Rate published in the Wall Street Journal and will change on the last publication date of the preceding month.

Are you insured?

Yes! Funds deposited at Langley are insured up to $250,000 by the National Credit Union Administration (NCUA).

[1]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.