Rates

Deposits

Certificates Open A Certificate

Term APY [1]
3 Month 1.00% [2]
6 Month 1.51% [2]
12 Month 1.66% [2]
18 Month 1.76% [2]
24 Month 1.76% [2]
30 Month 1.76% [2]
36 Month 1.87% [2]
48 Month 1.87% [2]
60 Month 2.12% [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 $1,000.
[3] Active Rewards bonus of 0.10% does not apply.
[4] Available on new deposits only.

Money Market Savings* Rates Open A Money Market Account

Platinum Money Market Savings
Minimum to Earn APY* APY**
$250,000 2.02%
$100,000 1.41%
$25,000 1.16%
Traditional Money Market Savings
Minimum to Earn APY* APY**
$100,000 and Above1.00%
$50,000 - $99,9990.65%
$25,000 - $49,9990.40%
$10,000 - $24,9990.25%
$2,500 - $9,9990.10%
$100 - $2,4990.05%

* 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.

***Dividends are calculated by the average daily balance of at least $25,000.00 and earn an APY of 1%. No dividend will be earned in any dividend period if the average daily balance is below $25,000.00. 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.

Langley Saves* Rates

Minimum to Earn APY APY**
(Tier 1) Up to $1,000 1.21%
(Tier 2) From $1,000 - $2,500 0.05%
(Tier 3) Greater than $2,500 0.05%
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 0.05%

* 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

Up to APY*
$1,000 0.25%

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 Month1.66% [2]
18 Month1.76% [2]
24 Month1.76% [2]
30 Month1.76% [2]
36 Month1.87% [2]
48 Month1.87% [2]
60 Month2.12% [2]

Money Market IRA Rates

Traditional or Roth IRA
Traditional or Roth IRA
Minimum to Earn APY[3] APY[3]
$250,000 2.02%
$100,000 1.00%
$100 0.25%

[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] Available on new deposits only.
[5] Not eligible for Active Rewards rate enhancement.

Loans

Apply Online

Cars, Trucks, Vans, Motorcycles
New Loans

Model Years 2014-2020
Term (Months) Rate As Low As*
12-48 3.24%
49-60 3.24%
61-66 3.49%
67-75 3.74%
76-84 4.49%

* The APR for vehicles 2014-2020 ranges from the rate shown to 18.00%.

Model Years 2013 And Older
Term (Months) Rate As Low As*
12-48 4.24%
49-60 4.24%
61-66 4.49%
67-75 4.74%
76-84 5.49%

* The APR for vehicles 2013 and older ranges from the rate shown to 18.00%.

Cars, Trucks, Vans, Motorcycles
Refinance From a Different Financial Institution Promotion

Model Years 2014-2020
Term (Months) Rate As Low As*
12-48 2.99%
49-60 2.99%
61-66 3.49%
67-75 3.49%

* The APR for vehicles 2014-2020 ranges from the rate shown to 18.00%. Refinances from another financial institution only.

Model Years 2013 And Older
Term (Months) Rate As Low As*
12-48 3.99%
49-60 3.99%
61-66 4.49%
67-75 4.49%

* The APR for vehicles 2013 and older ranges from the rate shown to 18.00%. Refinances from another financial institution only.

Recreational Vehicles and Boats

Model Years 2014-2020
Term (Months) Rate As Low As*
12-60 5.49%
61-84 5.99%
85-120 6.49%

* The APR for vehicles 2014-2020 ranges from the rate shown to 17.00%.
Model Years 2013 And Older
Term (Months) Rate As Low As*
12-60 6.49%
61-84 6.99%
85-120 7.49%

* The APR for vehicles 2013 and older 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 5.49% for 60 months would have monthly payments of $286.45.
Apply Online

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)
30 Year Fixed 3.625% 3.726%
20 Year Fixed 3.500% 3.626%
15 Year Fixed 3.125% 3.249%
10 Year Fixed 2.990% 3.170%
30 Year HomeSaver 4.125% 4.239%
30 Year HomeReady 4.125% 4.507%

Adjustable Rate

Loan Type Rate APR Sample Payment
($100k)
5/5 Adjustable 2.875% 3.990%
Max Amount: $750,000 | CAPS: 2/6 | Margin: 2.75% | LTV: 95%
5/5 HomeSaver Adjustable 2.875% 3.990%
Max Amount: $300,000 | CAPS: 2/6 | Margin: 2.75% | LTV: 100%
10/5 Adjustable 3.500% 3.953%
Max Amount: $750,000 | CAPS: 3/6 | Margin: 2.75% | LTV: 95%
10/5 HomeSaver Adjustable 3.500% 3.953%
Max Amount: $417,000 | CAPS: 2/6 | Margin: 2.75% | LTV: 80%

FHA

Loan Type Rate APR Sample Payment
($100k)
30 Year FHA Fixed 3.375% 4.497%
15 Year FHA Fixed 3.500% 4.654%
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.
Apply Online

Home Equity Lines of Credit

Loan Type Draw Rate
7 Year Fixed Rate HELOC 2 Year Draw As Low As 3.99% APR [1]
12 Year Fixed Rate HELOC 2 Year Draw As Low As 4.99% APR [1]
17 Year Fixed Rate HELOC 2 Year Draw As Low As 5.99% APR [1]
40 Year Variable Rate HELOC 20 Year Draw As Low As 4.75% APR [2]

[1]The Annual Percentage Rates (APRs) are fixed rates with a LTV of 100%, 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 600 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 9.00%
Extra Line of Credit As Low As 8.75%
Savings Secured Loan 3.05%
Credit Builder Loan 4.05%
Debt Consolidation As Low As 11.00%
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*
Select VISA Platinum As Low As 8.50%
Cash Back VISA As Low As 12.50%
Essential Visa 18.00%
  • * 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
Mortgage Calculate a Mortgage Payment Rent or Buy? Proceeds from Sale of a Home Home Affordability Compare Two Mortgage Loans Adjustable Rate Mortgage Analyzer Time to Refinance?
Home Equity The Equity in Your Home Calculate a Home Equity Line of Credit Payment Use Home Equity for a Major Purchase Home Equity Loan or Line of Credit? Consolidating Debt with Home Equity Paying Off a Home Equity Loan or Line of Credit

Savings What Will My Savings Be Worth? The Impact of Saving More The Benefits of Compounding Save for College Save to be a Millionaire Save Towards a Goal Save for a Rainy Day
Retirement How Long Will my Retirement Savings Last? 401(k) Calculator Traditional 401(k) vs Roth 401(k)? Retirement Income Estimator Spend it or Invest in an IRA? Estimate Social Security Benefits Save for Retirement
Debt Loan Payment Debt Consolidation Make Bi-Weekly Payments Meet a Debt Payoff Goal How Long Will it Take to Pay Off a Credit Card? Use a Lump Sum to Pay Down Debt Are Credit Card Balance Transfers Worth It? Increase Your Monthly Payment
Budget How Much Am I Spending? Balance Your Checkbook Household Cash Flow Tracker Spare Change Calculate Your Net Worth Save or Pay Off Debt? Should You Work Outside of the Home?
Insurance The Value of Your Future Earnings Calculate Your Life Insurance Needs Calculate Your Disability Insurance Needs Calculate Your Long Term Care Needs Save for Long Term Care Reach Your Health Savings Account Goal Health Savings Acct. or Trad. Health Plan?
Business Finance Business Loan or Line of Credit Purchase or Lease Equipment Repaying a Business Loan Projecting Your Cash Flow Financial Ratio Analysis Business Debt Consolidation Calculate a Business Loan Payment
Business Management Saving to Start a Business The Value of Your Business Sales Volume Required to Break Even Business Inventory Requirements Determine Your Working Capital Requirements Gross Margin Analysis Accounts Receivable Analysis Total Employee Compensation Package
Business Marketing Calculate Your Email Marketing ROI Calculate Your Conversion Rate Pay-Per-Click Advertising ROI Calculate Your Direct Mail ROI Optimize Your Sales Pipeline Calculate Customer Lifetime Value