Rates

Deposits

Certificate of Deposit Rates

Rates include an Active Rewards rate enhancement of 0.10%.

Money Market Savings* Rates

Minimum to Earn APY* APY**
$100,000 and Above
$50,000 - $99,999
$25,000 - $49,999
$10,000 - $24,999
$2,500 - $9,999
$100 - $2,499

* Minimum to open a Money Market Savings account is $100.

** Annual Percentage Yield (APY) is the prospective yield that the credit union anticipates paying for the applicable period.

Langley Saves* Rates

Minimum to Earn APY APY**
(Tier 1) Up to $1,000
(Tier 2) From $1,000 - $2,500
(Tier 3) Greater than $2,500
Example: You'll earn the Tier 1 APY on the first $1,000, the Tier 2 APY on the amount between $1,000 and $2,500, and the Tier 3 APY on the amount greater than $2,500.

Savings* Rates

Minimum to Earn APY APY**
$100

* Minimum to open a Savings account is the purchase of a share ($5). Minimum to open a Langley Saves account is $5.

** Annual Percentage Yield (APY) is the prospective yield that the credit union anticipates paying for the applicable period.

LangleyPays Checking

Minimum to Earn APY APY*
Up to $1,000

Smart Checking Plus

Minimum to Earn APY APY*
$2,500

*APY (Annual Percentage Yield) is a variable rate and may change after the account is opened; dividends compound monthly; fees may reduce earnings on your account.

Traditional or Roth**

Term APY*
12-Month
18-Month
24-Month
30-Month
36-Month
48-Month
60-Month
Money Market IRA***

* Annual Percentage Yield (APY). This APY is subject to change, and is fixed for the term of the certificate.

** Traditional or Roth IRA: Minumum to open $500. A penalty may be imposed for early withdrawal from certificates.

*** Money Market IRA: Minimum to open $100. The APY is subject to change.

Loans

Cars, Trucks, Vans, and Motorcycles

Model Year Rate
2012-2018 As low as * (With terms as long as 48 months)
2011 And Older As low as ** (With terms as long as 48 months)

*The APR for vehicles 2012-2018 ranges from the rate shown to 18.00%. Rate includes Active Rewards member 0.50% rate reduction.

** The APR for vehicles 2011 and older ranges from the rate shown to 18.00%. Depending on rate, terms are available for up to 84 months.

Cars, Trucks, Vans, and Motorcycles - Refinanced***

Model Year Rate
2012-2018 As low as * (With terms as long as 48 months)
2011 And Older As low as ** (With terms as long as 48 months)

*The APR for vehicles 2012-2018 ranges from the rate shown to 18.00%. Rate includes Active Rewards member 0.50% rate reduction.

** The APR for vehicles 2011 and older ranges from the rate shown to 18.00%. Depending on rate, terms are available for up to 84 months.

*** Refinances from other financial institutions only.

Recreational Vehicles, Boats, and Jet Skis

Model Year Rate
2012-2018 As low as * (With terms from 85 to 180 months)
2011 And Older As low as ** (With terms from 85 to 180 months)

* The APR for vehicles 2012-2018 ranges from the rate shown to 17.00%.

** The APR for vehicles 2011 and older ranges from the rate shown to 18.00%. Depending on rate, terms are available for up to 240 months.

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 1.79% for 48 months would have monthly payments of $324.05.

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 Rate

Loan Type Rate APR Sample Payment
($100k)
10 Year Fixed
15 Year Fixed
20 Year Fixed
30 Year Fixed

Adjustable Rate

Loan Type Rate APR Sample Payment
($100k)
5/5 Adjustable
Max Amount: $750,000 | CAPS: 2/6 | Margin: 2.75% | LTV: 95%
5/5 Adjustable
(First Time Buyer)
Max Amount: $350,000 | CAPS: 2/6 | Margin: 2.75% | LTV: 100%
5/1 Adjustable
Max Amount: $417,000 | CAPS: 2/6 | Margin: 2.75% | LTV: 80%

VA

Loan Type Rate APR Sample Payment
($100k)
15 Year VA
20 Year VA
30 Year VA

FHA

Loan Type Rate APR Sample Payment
($100k)
15 Year FHA
30 Year FHA
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'.
  • 60 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.

Home Equity

Loan Type Rate APR Sample Payment
($100k)
5 Year Home Equity Loan
10 Year Home Equity Loan
15 Year Home Equity Loan
Line of Credit As Low As    
Home Equity and Home Equity Line of Credit 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'.
  • 60 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.
  • 1st or 2nd Mortgage · From $5,000 to $417,000 · APR as low as the Prime Rate [currently 3.5%*].
  • Closing costs paid by Langley on Line of Credit in the local area of $15,000 or more with an initial advance of $10,000 or more. In this example if you did NOT take a $10,000.00 advance the closing costs would range from $341.00 to $531.00.
  • This product is only available on properties in Virginia and North Carolina. APR may vary. Property insurance is required.

Personal

Loan Type Rate
Personal Loan As low as
Personal Line of Credit As low as
Savings Secured Loan
Credit Builder Loan
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.

Visa Credit Cards

Card Type APR*
Select Platinum As low as
Rewards Signature As low as
Cash Back As low as
Essential
  • * Annual Percentage Rates (APR) are variable and determined by credit history.