Individual Retirement Accounts (IRAs)
A smart foundation for any retirement strategy.
Getting Started
- Check out our rates on Money Market and Certificate IRAs
- Find the help you need in our Langley IRA Center
You might not know the difference between a Roth IRA and a traditional IRA, or a certificate IRA and a money market IRA, but we have the information and guidance you need to make the choice that is right for you.
Our IRA Center is the perfect place to start learning about planning for retirement, IRA types, investment tips and more.
Promotional Certificate IRA Rates
| Traditional or Roth IRA | ||
|---|---|---|
| Minimum to Earn APY[3] | APY[3] | |
| 10 Month | 4.25% [2][4] | Schedule an Appointment |
Money Market IRA Rates
| Traditional or Roth IRA | ||
|---|---|---|
| Minimum to Earn APY[3] | APY[3] | |
| $250,000 | 0.05% | Schedule an Appointment |
| $100,000 | 0.05% | Schedule an Appointment |
| $100 | 0.05% | Schedule an Appointment |
Certificate IRA Rates
| Traditional or Roth IRA | ||
|---|---|---|
| Term | APY [1] | |
| 3 Month | 1.00% [2] | Schedule an Appointment |
| 6 Month | 2.00% [2] | Schedule an Appointment |
| 12 Month | 3.90% [2] | Schedule an Appointment |
| 18 Month | 3.90% [2] | Schedule an Appointment |
| 24 Month | 3.65% [2] | Schedule an Appointment |
| 30 Month | 3.75% [2] | Schedule an Appointment |
| 36 Month | 3.65% [2] | Schedule an Appointment |
| 48 Month | 3.75% [2] | Schedule an Appointment |
| 60 Month | 3.75% [2] | Schedule an Appointment |
* New money is defined as funds not currently on deposit with Langley Federal Credit Union. Some restrictions apply. Fees may reduce earnings on the account. Rate subject to change. Insured by NCUA.
[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 4.25% for a 10-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. 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. Some restrictions apply. Fees may reduce earnings on the account. Rate subject to change. Insured by NCUA.
[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 4.25% for a 10-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. 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. Some restrictions apply. Fees may reduce earnings on the account. Rate subject to change. Insured by NCUA.
Langley Rates effective as of April 17, 2025.