Rates

Deposits

Open A Certificate

Fixed Rate Certificates

Term APY 1
3 Month 1.00% 2
6 Month 2.00% 2
9 Month 3.85% 4
12 Month 3.51% 2
18 Month 3.40% 3
24 Month 3.35% 3
30 Month 3.45% 3
36 Month 3.40% 3
48 Month 3.35% 3
60 Month 3.30% 3
1 Annual Percentage Yield (APY). Dividends compound monthly. Penalty for early withdrawal. Some restrictions apply. Rate subject to change.
2 Minimum to open is $100.
3 Minimum to open is $500.
4 Annual Percentage Yield of 3.85% for a 9 Month Certificate. The minimum balance to open the certificate is $500. Maximum deposit of $250,000. Includes IRA Certificates. The minimum to open the IRA certificate is $500. No maximum deposit. Dividends compound monthly. Penalty for early withdrawal. Promotional certificate limited to one (1) per member. Limited time offer.

Money Market Savings Rates Open A Money Market Account

Platinum Money Market Savings
Minimum to Earn APY1 APY2
$25,000 1.00%
$100,000 1.25%
$250,000 1.50%
$500,000 2.80%
$1,000,000 3.75%
Traditional Money Market Savings
Minimum to Earn APY3 APY4
$100 - $2,5000.05%
$2,500 - $10,0000.05%
$10,000 - $25,0000.05%
$25,000 - $50,0000.50%
$50,000 - $100,0000.50%
$100,000 and Above0.50%
1 One free withdrawal or transfer per calendar month. Only one account per member. A fee of $25 applies for each additional withdrawal or transfer within a calendar month.
2 Annual Percentage Yield. Dividends are calculated by the average daily balance. Earn 1.00% APY on average daily balances above $25,000, 1.25% APY on average daily balances above $100,000, 1.50% APY on average daily balances above $250,000, 2.80% APY on average daily balances above $500,000, and 3.75% APY on average daily balances above $1,000,000. No dividend will be earned in any dividend period if the average daily balance is below $25,000. Dividends compound monthly. Rates subject to change.
3 Minimum to open a Money Market Savings account is $100. $5 deposit to Langley savings account required for membership.
4 Annual Percentage Yield. Dividends are calculated by the average daily balance. Earn 0.05% APY on average daily balances above $100, 0.05% APY on average daily balances above $2,500, 0.05% APY on average daily balances above $10,000, 0.50% APY on average daily balances above $25,000, 0.50% APY on average daily balances above $50,000, and 0.50% APY on average daily balances above . No dividend will be earned in any dividend period if the average daily balance is below $100. Dividends compound monthly. Rates subject to change.

Langley Saves Rates

Minimum to Earn APY APY[1]
Up to $1,000 3.75%
From $1,000 to $2,500 0.05%
Greater than $2,500 0.05%
Example: You'll earn 3.75% on the first $1,000, and 0.05% on balances from $1,000-$2,500.

Savings Rates[2]

Minimum to Earn APY APY[1]
$100 0.05%

High-Yield Savings Rates[3]

Minimum to Earn APY APY[1]
Up to $10,000 3.90%
Greater than $10,000 0.05%
Example: You'll earn 3.90% on the first $10,000, and 0.05% on balances greater than $10,000.
1 Annual Percentage Yield (APY) is the prospective yield that the credit union anticipates paying for the applicable period. Dividends of less than $.01 are affected by rounding.
2 $5 deposit to Langley savings account required for membership.
3 Annual Percentage Yield. Dividends are calculated by the average daily balance. This is a Tiered Rate account. Earn 3.90% APY on average daily balances up to $10,000. Earn 0.05% APY on the average daily balances exceeding $10,000. This account requires enrollment in eStatements and is limited to one withdrawal per month. If more than one withdrawal is completed in a month or you are not enrolled in eStatements, you will earn 0.05% APY on the entire balance. Limit one (1) High-Yield Savings account per member. Dividends compound monthly. $5 deposit to Langley savings account required for membership. Rates subject to change. Insured by NCUA.

Platinum Checking

Minimum to Earn APY APY*
$10,000 0.50%
* Annual Percentage Yield (APY) is a variable rate and may change after the account is opened. The minimum to earn dividends is an average daily balance of $10,000 or more. Dividends compound and credit monthly. Offer available to qualifying members. Some restrictions apply.

Certificate IRA Rates

Traditional or Roth IRA
Term APY 1
3 Month 1.00% 2
6 Month 2.00% 2
9 Month 3.85% 2,4
12 Month 3.51% 2
18 Month 3.40% 2
24 Month 3.35% 2
30 Month 3.45% 2
36 Month 3.40% 2
48 Month 3.35% 2
60 Month 3.30% 2

Money Market IRA Rates

Traditional or Roth IRA
Traditional or Roth IRA
Minimum to Earn APY3 APY3
$100 0.05%
$100,000 0.05%
$250,000 0.05%
1 Annual Percentage Yield (APY). This APY is subject to change weekly, and is fixed for the term of the certificate.
2 Traditional or Roth IRA: Minumum to open $500. A penalty may be imposed for early withdrawal from certificates.
3 Money Market IRA: Minimum to open $100. The APY is subject to change monthly.
4 Annual Percentage Yield of 3.85% for a 9 Month Certificate. The minimum balance to open the certificate is $500. Maximum deposit of $250,000. Includes IRA Certificates. The minimum to open the IRA certificate is $500. No maximum deposit. Dividends compound monthly. Penalty for early withdrawal. Promotional certificate limited to one (1) per member. Limited time offer.

Loans

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Cars, Trucks, Vans

New Car Loans

Term (Months) Rate As Low As*
12-36 4.99%
37-60 4.99%
61-66 5.24%
67-75 5.49%
76-84 6.49%

*New vehicles are classified as 2024-2025 year models with less than 5,000 miles. The APR ranges from the rate shown to 18.00%.

Used Car Loans (2023 and older)

Term (Months) Rate As Low As*
12-36 4.99%
37-60 4.99%
61-66 5.24%
67-75 5.49%
76-84 6.49%

*Used vehicles are classified as models 2023 and older. The APR ranges from the rate shown to 18.00%. 84 month loans must be for 2021-2023 year models.

Refinance Promotion
(From a Different Financial Institution)
Term (Months) Rate As Low As*
12-75 4.99%

*The APR ranges from the rate shown to 18.00%. 84 month loans must be for 2021-2026 year models. Refinances from another financial institution only.

Motorcycles

New Loans

Term (Months) Rate As Low As*
12-36 6.49%
37-60 6.99%

*The APR ranges from the rate shown to 18.00%.

Refinance
(From a Different Financial Institution)
Term (Months) Rate As Low As*
12-36 6.49%
37-60 6.99%

*The APR ranges from the rate shown to 18.00%.

Recreational Vehicles

Model Years 2020 - 2025
Term (Months) Rate As Low As*
12-60 7.49%
61-84 7.99%
85-120 8.49%

*The APR for vehicles 2020 - 2025 ranges from the rate shown to 18.00%.

Boats

2015-2026 Model Years
Loan Rate As Low As*
12-60 7.49%
61-84 7.99%
85-120 8.49%

* The APR for vehicles 2015-2026 ranges from the rate shown to 18.00%.
Notes
  • All rates and points are subject to change at any time.
  • APR (Annual Percentage Rate) is the annual cost of credit expressed as percentage of amount financed, including interest.
  • Payment Example: $15,000.00 loan at 5.24% for 84 months would have monthly payments of $213.70.
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Please see 'NOTES' at the bottom of this section for more information. Other rate and point options are available. Payment Examples are for illustrative purposes only. Your actual rate and APR will be determined when you apply.

Fixed

For a limited time, no points or closing costs.
Loan Type Rate APR Sample Payment
($200k)
10 Year Fixed-Rate Mortgage 5.000% 5.752% $2,121
15 Year Fixed-Rate Mortgage 5.250% 5.780% $1,608
20 Year Fixed-Rate Mortgage 5.625% 6.050% $1,390
30 Year Fixed-Rate Mortgage 6.000% 6.278% $1,199
30 Year No Points, No Closing Cost Mortgage 6.250% 6.532% $1,231

Adjustable

Loan Type Rate APR Sample Payment
($200k)
1/1 Adjustable Rate Mortgage 5.000% 6.178% $1,074
Max Amount: $806,500 | CAPS: 1/6 | Margin: 2.500% | LTV: 95%
3/1 Adjustable Rate Mortgage 5.250% 6.057% $1,104
Max Amount: $806,500 | CAPS: 2/6 | Margin: 2.500% | LTV: 95%
5/1 Adjustable Rate Mortgage 5.500% 6.031% $1,136
Max Amount: $806,500 | CAPS: 2/6 | Margin: 2.500% | LTV: 95%
First Time Home Buyer 5/1 Adjustable Rate Mortgage 6.125% 7.564% $1,215
Max Amount: $300,000 | CAPS: 2/6 | Margin: 2.750% | LTV: 100%

Refinance

For a limited time, no points or closing costs.
Loan Type Rate APR Sample Payment
($200k)
10 Year Fixed Rate Mortgage 5.000% 5.752%
15 Year Fixed-Rate Mortgage Refinance 5.780% 5.250% $1,664
20 Year Fixed-Rate Mortgage Refinance 5.625% 6.050% $1,390
30 Year Fixed-Rate Mortgage Refinance 6.000% 6.278% $1,199

Jumbo

Loan Type Rate APR Sample Payment
($750k)
5/5 Jumbo Adjustable Rate Mortgage 6.625% 6.654% $4,802

VA

Loan Type Rate APR Sample Payment
($200k)
30 Year VA Fixed-Rate Mortgage 6.250% 6.672% $1,231

FHA

Loan Type Rate APR Sample Payment
($200k)
30 Year FHA Fixed-Rate Mortgage 6.375% 6.800% $1,248
Notes
  • All rates and points are subject to change at any time.
  • APR (Annual Percentage Rate) is the annual cost of credit expressed as percentage of amount financed, including interest, points, and all pre-paid expenses as regulatorily authorized.
  • Rates exclude Condominiums, Investment Properties, and HARP Loans.
  • Payment examples are principal and interest only, and do not include taxes, insurance, or mortgage insurance.
  • LTV means 'Loan to Value'.
  • 45 day lock-in on all loans.
  • Other lock-in options are available.
  • Some loan programs allow for second homes and/or investment properties.
  • Pre-Qualification — Langley will provide a letter stating a maximum loan amount and interest rate the buyer would qualify for based on preliminary information.
Apply Online

Home Equity Lines of Credit

Loan Type Draw Rate
7 Year Fixed Rate HELOC 2 Draw As Low As 6.49% APR 1
12 Year Fixed-Rate HELOC 2 Draw As Low As 6.74% APR 1
22-Year Fixed Rate HELOC 2 Draw As Low As 6.99% APR 1
40 Year Variable Rate HELOC 20 Draw As Low As 7.25% APR
1 The Annual Percentage Rates (APRs) are fixed rates with a LTV of up to 100%, and will not increase during the life of the loan. Rates and terms are subject to change without notice. Credit is subject to approval. Some restrictions may apply. Property insurance, and if applicable, flood insurance is required. HELOC applications borrowers will be required to pay for appraisals upfront. Appraisal fees will no longer be refunded regardless of the loan funding. Possible tax advantages, consult your tax advisor. Federally insured by NCUA.
Apply Online

Personal

Loan Type Rate
Credit Builder Loan 6.45%
Debt Consolidation As low as 16.99%
Extra Personal Line of Credit As low as 18.00%
Extra Personal Loan As low as 14.99%
Savings Secured Loan 3.50%
Notes
  • All rates are subject to change at any time.
  • APR (Annual Percentage Rate) is the annual cost of credit expressed as percentage of amount financed, including interest.
Apply Online

Visa Credit Cards

Card Type APR*
Signature Cash Back Visa 18.00%
Platinum Essential Visa 18.00%
Platinum Quint Visa 18.00%
Platinum Select Visa As Low As 11.25%
  • * Annual Percentage Rates (APR) are variable and determined by credit history.

Business Vehicle Loans

For Purchase or Refinance
Term (Months) Rate As Low As
12-36 7.24%
37-60 7.49%
61-66 7.74%
67-75 7.99%
76-84 8.74%

Business Line of Credit

Minimum Loan Annual Percentage Rate2
$500 - $25,000 As low as 12.50%

Business Credit Card

Card Type Annual Percentage Rate2
Platinum Business Visa As low as 15.00%
1 Term for 7.24% APR (Annual Percentage Rate) is up to 12 months. Rates and terms are subject to change at any time without notice. A $25,000 loan at 7.24% APR for 36 months would have monthly payments of $775. 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 780 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.
2 Annual Percentage Rates (APR) are variable and determined by credit history.
Auto Calculate a Vehicle Payment Low Rate or Cash Back? Compare Monthly Payment by Term Vehicle Affordability by Loan Term Compare Two Vehicle Loans Gas Mileage Savings with a Fuel Efficient Vehicle Purchase or Lease a Vehicle
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