Rates

Deposits

Certificates Open A Certificate

Term APY [1]
3 Month 0.30% [3]
6 Month 0.50% [3]
12 Month 0.80% [2]
18 Month 0.80% [2]
24 Month 0.90% [2]
30 Month 0.90% [2]
36 Month 0.95% [2]
48 Month 1.00% [2]
60 Month 1.00% [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] Minimum to open is $100.
[4] Active Rewards bonus of 0.10% does not apply.

Money Market Savings Rates Open A Money Market Account

Platinum Money Market Savings
Minimum to Earn APY[1] APY[2]
$250,000 1.05%
$100,000 0.60%
$25,000 0.40%
Traditional Money Market Savings
Minimum to Earn APY[3] APY[4]
$100,000 and Above0.40%
$50,000 - $99,9990.30%
$25,000 - $49,9990.20%
$10,000 - $24,9990.10%
$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 0.40% APY on average daily balances above $25,000.00, 0.60% APY on average daily balances above $100,000.00, and 1.05% APY on average daily balances above $250,000.00. 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, 0.10% APY on average daily balances above $10,000.00, 0.20% APY on average daily balances above $25,000.00, 0.30% APY on average daily balances above $50,000.00, and 0.40% 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 0.50%
Greater than $1,000 0.05%
Example: You'll earn 0.50% 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).

LangleyPays Checking

Up to APY*
$1,000 0.05%

Platinum Checking

Minimum to Earn APY APY*
$10,000 0.50%

*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 Month0.80% [2]
18 Month0.80% [2]
24 Month0.90% [2]
30 Month0.90% [2]
36 Month0.95% [2]
48 Month1.00% [2]
60 Month1.00% [2]

Money Market IRA Rates

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

Loans

Cars, Trucks, Vans, Motorcycles
New Loans

Model Years 2015-2021
Term (Months) Rate As Low As*
12-48 2.24%
49-60 2.49%
61-66 2.74%
67-75 2.99%
76-84 4.49%

* The APR for vehicles 2015-2021 ranges from the rate shown to 18.00%.

Model Years 2014 And Older
Term (Months) Rate As Low As*
12-48 3.24%
49-60 3.49%
61-66 3.74%
67-75 3.99%
76-84 5.49%

* The APR for vehicles 2014 and older ranges from the rate shown to 18.00%.

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

Model Years 2015-2021
Term (Months) Rate As Low As*
12-48 2.24%
49-60 2.49%
61-66 2.74%
67-75 2.99%

* The APR for vehicles 2015-2021 ranges from the rate shown to 18.00%. Refinances from another financial institution only.

Model Years 2014 And Older
Term (Months) Rate As Low As*
12-48 3.24%
49-60 3.49%
61-66 3.74%
67-75 3.99%

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

Recreational Vehicles

Model Years 2015-2021
Term (Months) Rate As Low As*
12-60 5.49%
61-84 5.99%
85-120 6.49%

* The APR for vehicles 2015-2021 ranges from the rate shown to 17.00%.

Model Years 2014 And Older
Term (Months) Rate As Low As*
12-60 6.49%
61-84 6.99%
85-120 7.49%

* The APR for vehicles 2014 and older ranges from the rate shown to 18.00%.

Boats

2010-2021 Model Years
Loan Rate As Low As*
60 Month Fixed Rate 6.49%
84 Month Fixed Rate 5.24%
120 Month Fixed Rate 5.49%
180 Month Fixed Rate 5.24%
180 Month Variable Rate 4.49%

* The APR for vehicles 2010-2021 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.

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 (New Purchase) 2.750% 2.820%
20 Year Fixed (New Purchase) 2.625% 2.723%
15 Year Fixed (New Purchase) 2.250% 2.394%
10 Year Fixed (New Purchase) 2.250% 2.434%
30 Year HomeSaver (New Purchase) 2.875% 2.945%
30 Year HomeReady (New Purchase) 4.125% 5.284%

Adjustable Rate

Loan Type Rate APR Sample Payment
($100k)
5/5 Adjustable 2.750% 2.983%
Max Amount: $750,000 | CAPS: 2/6 | Margin: 2.75% | LTV: 95%
5/5 HomeSaver Adjustable 2.750% 2.983%
Max Amount: $300,000 | CAPS: 2/6 | Margin: 2.75% | LTV: 100%
10/5 Adjustable 3.250% 3.224%
Max Amount: $750,000 | CAPS: 3/6 | Margin: 2.75% | LTV: 95%
10/5 HomeSaver Adjustable 3.250% 3.224%
Max Amount: $417,000 | CAPS: 2/6 | Margin: 2.75% | LTV: 80%

VA

Loan Type Rate APR Sample Payment
($100k)
30 Year VA Fixed 2.625% 2.767%
20 Year VA Fixed 2.625% 2.827%
15 Year VA Fixed 3.375% 3.643%

FHA

Loan Type Rate APR Sample Payment
($100k)
30 Year FHA Fixed 2.500% 3.266%
15 Year FHA Fixed 3.125% 3.946%
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 2.99% 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 4.99% APR [1]
40 Year Variable Rate HELOC 20 Year Draw As Low As 3.25% 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.

Personal

Loan Type Rate
Extra Personal Loan As Low As 9.00%
Extra Line of Credit As Low As 7.25%
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.

Visa Credit Cards

Card Type APR*
Select VISA Platinum As Low As 7.00%
Cash Back VISA As Low As 11.00%
Essential Visa 18.00%
  • * Annual Percentage Rates (APR) are variable and determined by credit history.