Rates

Deposits

Certificate of Deposit Rates Open A Certificate

Term APY [1]
3 Month 0.25% [2]
6 Month 0.50% [2]
8 Month 1.00% [2][4]
12 Month 1.00% [2]
18 Month 1.00% [2]
19 Month 1.26% [2][4]
24 Month 1.11% [2]
30 Month 1.26% [2]
36 Month 1.51% [2]
48 Month 1.76% [2]
60 Month 2.02% [2]
60 Month 2.22% [3]

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] Minimum to open is $50,000.
[4] Active Rewards bonus of 0.10% does not apply.

Money Market Savings* Rates Open A Money Market Account

Minimum to Earn APY* APY**
$100,000 and Above0.50%
$50,000 - $99,9990.35%
$25,000 - $49,9990.25%
$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.

Langley Saves* Rates

Minimum to Earn APY APY**
(Tier 1) Up to $1,000 1.61%
(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

Minimum to Earn APY APY*
$1,000 1.61%

Smart Checking Plus

Minimum to Earn APY APY*
$2,500 0.05%

*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 IRA [2]

Term APY [1]
12 Month1.00%
18 Month1.00%
19 Month1.26% [4]
24 Month1.11%
30 Month1.26%
36 Month1.51%
48 Month1.76%
60 Month2.02%
Money Market IRA[3] 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] Not eligible for Active Rewards rate enhancement.

Loans

Cars, Trucks, Vans, Motorcycles, and Refinances**

Model Years 2012-2018
Term (Months) Rate As Low As*
12-48 1.54%
49-60 1.74%
61-66 1.99%
67-75 2.49%
76-84 3.49%

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

** Refinances from other financial institutions only.

Model Years 2011 And Older
Term (Months) Rate As Low As*
12-48 2.54%
49-60 2.74%
61-66 2.99%
67-75 3.49%
76-84 4.49%

* The APR for vehicles 2011 and older ranges from the rate shown to 18.00%. Rate includes Active Rewards member 0.50% rate reduction.

** Refinances from other financial institutions only.

Recreational Vehicles and Boats

Model Years 2012-2018
Term (Months) Rate As Low As*
12-60 5.99%
61-84 5.99%
85-120 6.49%
121-180 6.49%
181-240 5.99%

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

Model Years 2011 And Older
Term (Months) Rate As Low As*
12-60 5.99%
61-84 5.99%
85-120 6.49%
121-180 6.49%
181-240 5.99%

* The APR for vehicles 2011 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 1.54% for 48 months would have monthly payments of $322.42.

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 3.250% 3.388%
15 Year Fixed 3.250% 3.345%
20 Year Fixed 3.875% 3.950%
30 Year Fixed 4.125% 4.180%

Adjustable Rate

Loan Type Rate APR Sample Payment
($100k)
5/1 Adjustable 3.000% 3.698%
Max Amount: $417,000 | CAPS: 2/6 | Margin: 2.75% | LTV: 80%
5/5 Adjustable 3.250% 3.786%
Max Amount: $750,000 | CAPS: 2/6 | Margin: 2.75% | LTV: 95%
5/5 First Time Buyer Adjustable 3.500% 3.875%
Max Amount: $300,000 | CAPS: 2/6 | Margin: 2.75% | LTV: 100%
10/5 Adjustable 3.990% 4.048%
Max Amount: $750,000 | CAPS: 3/6 | Margin: 2.75% | LTV: 95%

VA

Loan Type Rate APR Sample Payment
($100k)
15 Year VA Fixed 3.375% 3.963%
20 Year VA Fixed 3.625% 4.161%
30 Year VA Fixed 3.625% 4.009%

FHA

Loan Type Rate APR Sample Payment
($100k)
15 Year FHA Fixed 3.250% 4.311%
30 Year FHA Fixed 3.625% 4.709%
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 Lines of Credit

Loan Type Draw Rate
7 Year Fixed Rate HELOC 2 Year Draw As Low As 3.49% APR [1]
12 Year Fixed Rate HELOC 2 Year Draw As Low As 3.99% APR [1]
17 Year Fixed Rate HELOC 2 Year Draw As Low As 4.49% APR [1]
40 Year Variable Rate HELOC 20 Year Draw As Low As 4.00% APR [2]
40 Year Promotional Rate: 1.99% For First Year (As Low As Prime + 0)

[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.

Personal

Loan Type Rate
Personal Loan As Low As 8.99%
Personal Line of Credit As Low As 7.75%
Savings Secured Loan 3.05%
Credit Builder Loan 4.05%
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 VISA Platinum As Low As 7.75%
Cash Back VISA As Low As 9.75%
Rewards VISA As Low As 9.25%
Essential Visa 18.00%
  • * Annual Percentage Rates (APR) are variable and determined by credit history.