Rates

Deposits

Open A Certificate

Fixed Rate Certificates

Term APY [1]
3 Month 0.75% [3]
6 Month 1.50% [3]
12 Month 4.25% [2]
13 Month 5.30% [2][4]
18 Month 4.50% [2]
24 Month 4.50% [2]
30 Month 4.50% [2]
36 Month 4.25% [2]
48 Month 4.25% [2]
60 Month 4.25% [2]

Rates include an Active Rewards rate enhancement of 0.10%.

[1] Annual Percentage Yield (APY). Dividends compound monthly. Penalty for early withdrawal. Some restrictions apply. Rate subject to change.
[2] Minimum to open is $500.
[3] Minimum to open is $100.
[4] Annual Percentage Yield of 5.30% for a 13-Month Certificate. The minimum balance to open the certificate is $500. No maximum deposit. Includes IRA Certificates. The minimum to open the IRA certificate is $500. No maximum deposit. Not eligible for Active Rewards rate enhancement and cannot be combined with any other promotional offer. Dividends compound monthly. Penalty for early withdrawal. Limited time offer. New money is defined as funds not currently on deposit with Langley Federal Credit Union. If all your money is already at Langley, rest assured, you are still eligible for this promotion if you have direct deposit of your net pay to a Langley checking account. Direct deposit of net pay is defined as member’s current net pay deposited into a Langley checking account. Direct deposit must be set up prior to certificate account opening. Some restrictions apply. Fees may reduce earnings on the account. Rate subject to change. Insured by NCUA.

Money Market Savings Rates Open A Money Market Account

Platinum Money Market Savings
Minimum to Earn APY[1] APY[2]
$1,000,000 4.25%
$500,000 4.00%
$250,000 2.50%
$100,000 2.00%
$25,000 1.50%
Traditional Money Market Savings
Minimum to Earn APY[3] APY[4]
$100,000 and Above1.50%
$50,000 - $99,9991.25%
$25,000 - $49,9991.00%
$10,000 - $24,9990.75%
$2,500 - $9,9990.60%
$100 - $2,4990.05%
[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 1.50% APY on average daily balances above $25,000.00, 2.00% APY on average daily balances above $100,000.00, 2.50% APY on average daily balances above $250,000.00, 4.00% APY on average daily balances above $500,000.00., and 4.25% APY on average daily balances above $1,000,000.00. No dividend will be earned in any dividend period if the average daily balance is below $25,000.00. Dividends compound monthly. Rates subject to change. Insured by NCUA.
[3] Minimum to open a Money Market Savings account is $100.
[4] Annual Percentage Yield. Dividends are calculated by the average daily balance. Earn 0.05% APY on average daily balances above $100.00, 0.60% APY on average daily balances above $2,500.00, 0.75% APY on average daily balances above $10,000.00, 1.00% APY on average daily balances above $25,000.00, 1.25% APY on average daily balances above $50,000.00, and 1.50% APY on average daily balances above $100,000.00. No dividend will be earned in any dividend period if the average daily balance is below $100.00. Dividends compound monthly. Rates subject to change.

Langley Saves Rates

Minimum to Earn APY APY[1]
Up to $1,000 4.25%
From $1,000 to $2,500 1.00%
Greater than $2,500 0.05%
Example: You'll earn 4.25% on the first $1,000, and 1.00% on balances from $1,000-$2500.

Savings Rates[2]

Minimum to Earn APY APY[1]
$100 0.05%
[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] Minimum to open a Savings account is the purchase of a share ($5).

Platinum Checking

Minimum to Earn APY APY*
$10,000 1.00%

*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.

Certificate IRA Rates

Traditional or Roth IRA [2]
Term APY [1]
12 Month 4.25% [2]
13 Month 5.30% [2][4]
18 Month 4.50% [2]
24 Month 4.50% [2]
30 Month 4.50% [2]
36 Month 4.25% [2]
48 Month 4.25% [2]
60 Month 4.25% [2]

Money Market IRA Rates

Traditional or Roth IRA
Traditional or Roth IRA
Minimum to Earn APY[3] APY[3]
$250,000 0.50%
$100,000 0.50%
$100 0.50%
[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 5.30% for a 13-Month Certificate. The minimum balance to open the certificate is $500. No maximum deposit. Includes IRA Certificates. The minimum to open the IRA certificate is $500. No maximum deposit. Not eligible for Active Rewards rate enhancement and cannot be combined with any other promotional offer. Dividends compound monthly. Penalty for early withdrawal. Limited time offer. New money is defined as funds not currently on deposit with Langley Federal Credit Union. If all your money is already at Langley, rest assured, you are still eligible for this promotion if you have direct deposit of your net pay to a Langley checking account. Direct deposit of net pay is defined as member’s current net pay deposited into a Langley checking account. Direct deposit must be set up prior to certificate account opening. Some restrictions apply. Fees may reduce earnings on the account. Rate subject to change. Insured by NCUA.

Loans

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Cars, Trucks, Vans

New Car Loans

Term (Months) Rate As Low As*
12-36 5.49%
37-60 6.49%
61-66 6.74%
67-75 6.99%
76-84 7.74%

*New vehicles are classified as 2022-2023 year models with less than 5,000 miles. The APR ranges from the rate shown to 18.00%.

Used Car Loans (2021 and older)

Term (Months) Rate As Low As*
12-36 5.49%
37-60 6.49%
61-66 6.74%
67-75 6.99%
76-84 7.74%

*Used vehicles are classified as models 2021 and older. The APR ranges from the rate shown to 18.00%. 84 month loans must be for 2019-2021 year models.

Refinance Promotion
(From a Different Financial Institution)
Term (Months) Rate As Low As*
12-36 5.49%
37-60 5.49%
61-66 5.49%
67-75 5.49%

*The APR ranges from the rate shown to 18.00%. 84 month loans must be for 2019-2024 year models. Refinances from another financial institution only.

Motorcycles

New Loans

Term (Months) Rate As Low As*
12-36 7.74%
37-60 7.99%
61-66 8.24%
67-75 8.74%
76-84 8.99%

*The APR ranges from the rate shown to 18.00%. 84 month loans must be for 2019-2024 year models.

Refinance
(From a Different Financial Institution)
Term (Months) Rate As Low As*
12-36 7.74%
37-60 7.99%
61-66 8.24%
67-75 8.74%
76-84 8.99%

*The APR ranges from the rate shown to 18.00%. 84 month loans must be for 2019-2024 year models.

Recreational Vehicles

Model Years 2018 - 2023
Term (Months) Rate As Low As*
12-84 10.24%
120 10.49%
144 10.49%
180 Variable 8.24%

*The APR for vehicles 2018 - 2023 ranges from the rate shown to 18.00%.
Model Years 2017 And Older
Term (Months) Rate As Low As*
12-84 11.24%
120 11.49%
144 11.49%
180 Variable 9.24%

* The APR for vehicles 2017 and older ranges from the rate shown to 18.00%.

Boats

2013-2024 Model Years
Loan Rate As Low As*
60 Month Fixed Rate 10.24%
84 Month Fixed Rate 10.24%
120 Month Fixed Rate 10.49%
180 Month Fixed Rate 10.49%
180 Month Variable Rate 8.24%

* The APR for vehicles 2013-2024 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

Loan Type Rate APR Sample Payment
($100k)
30 Year Fixed 7.500% 7.744%
20 Year Fixed 7.250% 7.561%
15 Year Fixed 7.125% 7.510%
10 Year Fixed 7.000% 7.537%
30 Year First Time Home Buyer 8.000% 8.252%
30 Year HomeNow 8.000% 8.252%
30 Year Fixed Refinance 7.500% 7.744%
20 Year Fixed Refinance 7.250% 7.561%
15 Year Fixed Refinance 7.125% 7.510%
10 Year Fixed Refinance 7.000% 7.537%

Adjustable

Loan Type Rate APR Sample Payment
($100k)
5/5 Adjustable 6.625% 6.865%
Max Amount: $750,000 | CAPS: 2/6 | Margin: 2.75% | LTV: 95%
5/5 First Time Home Buyer Adjustable 6.875% 7.110%
Max Amount: $300,000 | CAPS: 2/6 | Margin: 2.75% | LTV: 100%
10/5 Adjustable 6.875% 7.110%
Max Amount: $750,000 | CAPS: 3/6 | Margin: 2.75% | LTV: 95%
15/5 Adjustable 7.375% 7.585%
Max Amount: $750,000 | CAPS: 3/6 | Margin: 2.75% | LTV: 90%

Refinance

Loan Type Rate APR Sample Payment
($200k)
30 Year Refinance 7.500% 7.744% $1,398
20 Year Refinance 7.250% 7.561% $1,581
15 Year Refinance 7.125% 7.510% $1,812
10 Year Refinance 7.000% 7.537% $2,322

Jumbo

Loan Type Rate APR Sample Payment
($750k)
Jumbo 5/5 ARM 6.875% 7.079% $6,569

VA

Loan Type Rate APR Sample Payment
($100k)
30 Year VA Fixed 7.125% 6.957%

FHA

Loan Type Rate APR Sample Payment
($100k)
30 Year FHA Fixed 7.250% 7.641%
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 Year Draw As Low As 6.99% APR [1]
12 Year Fixed Rate HELOC 2 Year Draw As Low As 7.49% APR [1]
17 Year Fixed Rate HELOC 2 Year Draw As Low As 8.49% APR [1]
22 Year Fixed Rate HELOC 2 Year Draw As Low As 8.49% APR [1]
40 Year Variable Rate HELOC 20 Year Draw As Low As 8.50% APR [2]
[1] The Annual Percentage Rates (APRs) are fixed rates with a LTV of 80%, and will not increase during the life of the loan. Rates and terms are subject to change without notice. Available to members with a credit score of 740 or better depending on credit qualifications. Credit is subject to approval. Some restrictions may apply. Property insurance, and if applicable, flood insurance is required. Possible tax advantages, consult your tax advisor. Federally insured by NCUA.
[2] Annual Percentage Rates (APR) are variable and determined by credit history.
Apply Online

Personal

Loan Type Rate
Extra Personal Loan As Low As 12.99%
Extra Line of Credit As Low As 12.50%
Savings Secured Loan 3.05%
Credit Builder Loan 4.05%
Debt Consolidation As Low As 14.99%
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*
Platinum Select Visa As Low As 12.25%
Platinum Quint Visa As Low As 14.25%
Signature Cash Back Visa As Low As 16.25%
Platinum Essential Visa 18.00%
  • * Annual Percentage Rates (APR) are variable and determined by credit history.

Business Vehicle Loans

For Purchase or Refinance
Term (Months) Rate As Low As[1]
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 Rate[2]
$500 - $25,000 As low as 13.50%

Business Credit Card

Card Type Annual Percentage Rate[2]
Platinum Business Visa As low as 15.50%
[1] Annual Percentage Rates (APR) are fixed. Rates are shown are based on credit score of 740 or better and based on creditworthiness, so your rate may differ. 84 Months must be 2019-2024 model years. Maximum loan advance not to exceed $100,000.
[2] Annual Percentage Rates (APR) are variable and determined by credit history.
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