Rates

Deposits

Open A Certificate

Fixed Rate Certificates

Term APY [1]
3 Month 0.20% [3]
6 Month 0.35% [3]
12 Month 1.25% [2]
18 Month 1.25% [2]
24 Month 1.50% [2]
27 Month 2.25% [2][4]
36 Month 1.75% [2]
48 Month 1.75% [2]
60 Month 2.50% [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 2.25% for a 27-Month Certificate. The minimum balance to open the 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. Some restrictions apply. Fees may reduce earnings on the account. Rate subject to change. To qualify for the offer, certificates must be funded completely with new deposits. New deposits are defined as funds not currently on deposit with Langley Federal Credit Union. 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 1.00%
$500,000 .85%
$250,000 .75%
$100,000 .50%
$25,000 .40%
Traditional Money Market Savings
Minimum to Earn APY[3] APY[4]
$100,000 and Above0.45%
$50,000 - $99,9990.30%
$25,000 - $49,9990.25%
$10,000 - $24,9990.15%
$2,500 - $9,9990.10%
$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 .40% APY on average daily balances above $25,000.00, .50% APY on average daily balances above $100,000.00, .75% APY on average daily balances above $250,000.00, .85% APY on average daily balances above $500,000.00., and 1.00% 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, 0.10% APY on average daily balances above $2,500.00, 0.15% APY on average daily balances above $10,000.00, 0.25% APY on average daily balances above $25,000.00, 0.30% APY on average daily balances above $50,000.00, and 0.45% 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 0.25%
Greater than $1,000 0.05%
Example: You'll earn 0.25% on the first $1,000, and 0.05% on the amount greater than $1,000.

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.
[2] Minimum to open a Savings account is the purchase of a share ($5).

Platinum Checking

Minimum to Earn APY APY*
$10,000 0.30%

*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 1.25% [2]
18 Month 1.25% [2]
24 Month 1.50% [2]
27 Month 2.25% [2][4]
36 Month 1.75% [2]
48 Month 1.75% [2]
60 Month 2.50% [2]

Money Market IRA Rates

Traditional or Roth IRA
Traditional or Roth IRA
Minimum to Earn APY[3] APY[3]
$250,000 0.20%
$100,000 0.20%
$100 0.20%

[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.

Loans

Apply Online

Cars, Trucks, Vans

New Loans

Term (Months) Rate As Low As*
12-48 2.99%
49-60 3.24%
61-66 3.74%
67-75 3.99%
76-84 4.49%

*The APR ranges from the rate shown to 18.00%. 84 month loans must be for 2018-2022 year models.

Refinance Promotion
(From a Different Financial Institution)
Term (Months) Rate As Low As*
12-48 2.99%
49-60 2.99%
61-66 2.99%
67-75 2.99%

*The APR ranges from the rate shown to 18.00%. 84 month loans must be for 2018-2022 year models. Refinances from another financial institution only.

Motorcycles

New Loans

Term (Months) Rate As Low As*
24-48 3.99%
49-60 4.24%
61-66 4.49%
67-75 4.74%
76-84 4.99%

*The APR ranges from the rate shown to 18.00%. 84 month loans must be for 2018-2022 year models.

Refinance
(From a Different Financial Institution)
Term (Months) Rate As Low As*
24-48 3.99%
49-60 4.24%
61-66 4.49%
67-75 4.74%
76-84 4.99%

*The APR ranges from the rate shown to 18.00%. 84 month loans must be for 2018-2022 year models.

Recreational Vehicles

Model Years 2016 - 2022
Term (Months) Rate As Low As*
12-60 6.49%
61-84 6.49%
85-120 6.74%

*The APR for vehicles 2016 - 2022 ranges from the rate shown to 18.00%.
Model Years 2015 And Older
Term (Months) Rate As Low As*
12-60 7.49%
61-84 7.49%
85-120 7.74%

* The APR for vehicles 2015 and older ranges from the rate shown to 18.00%.

Boats

2012-2022 Model Years
Loan Rate As Low As*
60 Month Fixed Rate 6.49%
84 Month Fixed Rate 6.49%
120 Month Fixed Rate 6.74%
180 Month Fixed Rate 6.74%
180 Month Variable Rate 6.49%

* The APR for vehicles 2012-2022 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 5.375% 5.452%
20 Year Fixed 5.000% 5.102%
15 Year Fixed 4.500% 4.625%
10 Year Fixed 4.000% 4.367%
30 Year First Time Home Buyer 5.500% 5.577%
30 Year HomeNow 5.500% 5.577%
30 Year Fixed Second Home 5.990% 6.070%

Adjustable

Loan Type Rate APR Sample Payment
($100k)
5/5 Adjustable 3.990% 5.077%
Max Amount: $750,000 | CAPS: 2/6 | Margin: 2.75% | LTV: 95%
5/5 First Time Home Buyer Adjustable 3.990% 5.077%
Max Amount: $300,000 | CAPS: 2/6 | Margin: 2.75% | LTV: 100%
10/5 Adjustable 4.375% 4.899%
Max Amount: $750,000 | CAPS: 3/6 | Margin: 2.75% | LTV: 95%
10/5 First Time Home Buyer Adjustable 4.375% 4.899%
Max Amount: $417,000 | CAPS: 2/6 | Margin: 2.75% | LTV: 80%
5/5 Adjustable Second Home 4.500% 3.389%
Max Amount: $ | CAPS: | Margin: % | LTV: %

Refinance

Loan Type Rate APR Sample Payment
($200k)
30 Year Refinance 5.750% 5.828% $1,167
20 Year Refinance 5.250% 5.353% $1,348
15 Year Refinance 4.990% 5.119% $1,581
10 Year Refinance 3.990% 4.169% $2,024

Jumbo

Loan Type Rate APR Sample Payment
($750k)
Jumbo 30 Year Fixed 5.625% 5.671% $4,231
Jumbo 5/5 ARM 3.990% 5.049% $3,815
Jumbo 10/5 ARM 4.375% 4.871% $3,994
Jumbo 30 Year Fixed (Refinance) 5.625% 5.671% $4,231

VA

Loan Type Rate APR Sample Payment
($100k)
30 Year VA Fixed 5.250% 5.442%
20 Year VA Fixed 5.000% 5.349%
15 Year VA Fixed 4.250% 4.893%

FHA

Loan Type Rate APR Sample Payment
($100k)
30 Year FHA Fixed 5.250% 6.081%
15 Year FHA Fixed 4.250% 5.466%
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 4.49% APR [1]
17 Year Fixed Rate HELOC 2 Year Draw As Low As 4.99% APR [1]
40 Year Variable Rate HELOC 20 Year Draw As Low As 4.00% 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 9.99%
Extra Line of Credit As Low As 8.00%
Savings Secured Loan 3.05%
Credit Builder Loan 4.05%
Debt Consolidation As Low As 11.99%
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 7.75%
Platinum Quint Visa As Low As 9.75%
Signature Cash Back Visa As Low As 11.75%
ODU Alumni Signature Cash Back Visa As Low As 11.75%
Platinum Essential Visa 18.00%
  • * Annual Percentage Rates (APR) are variable and determined by credit history.
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