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Start earning more on your savings. Unlock 3.90% APY today.
Limited-Time Offer | New Money Only*

Maximize Your Returns With an Exclusive 3.90% APY1

11 Month Promotional Certificate

Take advantage of our highest certificate rate and watch your money grow with confidence.

Apply Now
Earn on your savings at a competitive 3.90% APY.
$500 Minimum deposit
$250,000 Maximum deposit

Guaranteed Growth

Your money is guaranteed to grow over the duration of the certificate. The amount you earn is based entirely on how much you deposit.

Maximize Your Earnings

Put more of your money to work with a competitive rate designed to help balances up to $250,000 grow faster and more efficiently.

Limited-Time Offer

This special rate is available for a limited time only and won't be around forever. Don't miss out, open your account today to lock in this competitive rate.

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.

The early withdrawal penalty is based on the term of the certificate. For certificate terms between 3-6 months, the penalty is 90 days' dividends on the amount withdrawn. For certificate terms 12 months or greater, the penalty is 180 days' dividends on the amount withdrawn.
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1

Annual Percentage Yield of 3.90% and dividend rate of 3.83% for a 11 Month Certificate. The minimum balance to open the certificate is $500. Maximum deposit of $250,000. Includes IRA Certificates. Dividends compound monthly. A penalty will be imposed for early withdrawal. See Account Disclosures for penalty amount and calculation method. Some restrictions apply. Rate subject to change prior to account opening. Additional deposits are not permitted. Promotional certificate limited to one (1) per member. Limited time offer. $5 deposit to Langley savings account required for membership. Rate effective as of May 06, 2026.

*

New Money required to fund. "New Money" is defined as funds not currently on deposit with Langley Federal Credit Union. Some restrictions apply. Fees may reduce earnings on the account. Rate subject to change. Insured by NCUA.