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Langley Federal Credit Union Review

Reviews 8
Langley CD
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Langley CD
Reviews 8
Michael Graw
Oct. 31, 2023
2 min read
Michael Graw
Langley CD Summary
Langley Federal Credit Union is a Virginia-based credit union founded in 1936. The company is one of the top 100 largest credit unions in the US and has a wide range of products, including checking and savings accounts, certificates of deposit (CDs), and personal loans and mortgages. Langley’s CDs offer up to 5.30% APY and minimum deposits start at only $100. The credit union also offers CDs for businesses, which is relatively uncommon.


  • Open a CD with as little as $100
  • Offers business CDs
  • Wide range of account types and loan products


  • Bank branches in coastal Virginia only
  • No CDs with terms longer than five years

Langley CD at a glance

Editorial score


No fees at all


NCUA insured, SSL/AES encryption and supports 2 factor authentication

Customer service

Early morning, evening and weekend service with multiple communication options

Online experience

User friendly site with full online banking capabilities

Mobile experience

Excellent mobile app with all mobile banking features enabled, including digital check deposits

Langley CD Langley CD Visit Site

Advantages Over Traditional Banks

Langley Federal Credit Union offers a wide range of high-interest CDs with competitive interest rates and no account fees. You can open a CD starting with as little as $100, although some long-term CDs require a minimum of $500 to open. Terms range from as short as three months to five years, and you can earn up to 5.30% APY.

Langley is also one of only a handful of banking institutions to offer business CDs. The minimum deposit for business CDs ranges from $1,000 to $100,000, and they offer the same rates and terms as personal CDs.

In addition to CDs, Langley offers savings accounts with no fees, checking accounts that offer interest, a wide range of loans, and even insurance. The credit union’s range of products for both individuals and businesses is impressive.

Cutting-Edge Banking Services

Langley offers an easy-to-use online banking platform and mobile apps for iOS and Android. From your online account, you can view your balances, initiate transfers, and set up automatic transfers to savings or investment accounts. You can also set up automatic bill pay.

The Langley banking portal doesn’t have tools for budgeting or transaction tagging. However, the credit union’s website has several calculators to help you save for retirement, smaller goals like a vacation, or a rainy day fund.

Traditional Banking Services

Langley Federal Credit Union has 21 bank branches around the cities of Norfolk and Newport News, Virginia. It also has more than 40 fee-free ATMs in these cities.

The credit union offers a wide range of products and services including:

  • Checking, savings, and money market accounts
  • CDs
  • Mortgages
  • Personal and auto loans
  • Student loans
  • Visa credit cards
  • Investment accounts
  • Financial planning
  • Home, auto, and life insurance
  • Business checking and savings accounts
  • Business loans

Interest Rates and Fees

We’ll focus on rates and fees for Langley’s CDs. You can open a CD with a term of 3, 6, 12, 18, 24, 30, 36, 48, or 60 months. At the time of writing, Langley also has a promotional CD with a 13-month term.

The minimum deposit for personal CDs is either $100 or $500 depending on the CD term.

If you’re a member of Langley’s Active Rewards program, you’ll receive an additional 0.10% APY for all CDs. To become an Active Rewards member, you must have a checking account with at least one transaction per month, have a loan or credit card with Langley, and sign up for digital statements.

Rates for Langley’s business CDs are the same, but the minimum deposit ranges from $1,000 to $100,000.

Customer Service and Online Experience

Langley offers customer service by phone, email, and live chat from 8am-6pm (ET), Monday-Friday, and 8:30am-1pm, Saturday. Agents responded quickly and were knowledgeable about the credit union’s accounts.

You can open a new account with Langley online in just a few minutes. You’ll need to provide your name, contact details, social security number, and a copy of your ID. You can make the minimum deposit for a CD by transferring funds from another bank or from an existing account with Langley. 

If you need help managing your account, Langley’s website has a detailed online knowledge base. Tutorials explain how to make a transfer, how to deposit a check, and more.

Mobile App

Langley offers a free mobile app for iOS and Android. You can use the app to manage your accounts on the go, deposit checks with a photo, manage automatic bill pay, and get alerts about your balances or new transactions on your account. It’s easy to use and offers all of the same features available through the online banking portal.


Langley uses SSL encryption to protect your online account. You can further secure your account with two-factor authentication and biometric authentication. The mobile app supports Touch ID and Face ID.

Langley doesn’t have a dedicated fraud team, but does offer an online security center with resources to help you protect your account.

Langley CDs are insured by the National Credit Union Association (NCUA) for up to $250,000.


Langley Federal Credit Union offers a vast range of banking services, including checking and savings accounts, CDs, loans, and more. Its CDs are fee-free and offer interest rates up to 5.30% APY. You can open a CD with as little as $100 and choose a term from three months to five years.

Overall Langley is a good choice for anyone in search of a high-interest CD with few strings attached. It’s especially good if you also plan to open a checking account and credit card, since you can qualify for an additional 0.10% APY on your CD savings.

Langley CD Langley CD Visit Site


This review is based on the Langley website, data from the Better Business Bureau, and a short live chat with Langley’s customer service.

Michael Graw
Written by
Michael Graw
Michael Graw is a Bellingham, Washington-based writer focusing on finance, tech, and science. His work has been featured in print magazines and high-impact websites. He writes for BestMoney and enjoys helping readers make sense of the options on the market.‎
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Trustpilot reviews
See what some customers are saying about Langley CD
Langley CD
Reviews 8
destiny vaughan
3 months ago
Misspelled name on my debit card…
Misspelled name on my debit card should’ve been an easy fix, but I got an agent (Kendal Montgomery) who’s committed to making my day long an inconvenient. We started in chats. I told him about the misspelled name, and he sent me a document to change my name on my account, which they also misspelled. (I cannot see this from my end. On my end, my name is spelled correctly, so I suspect this is a lie.) I completed and signed the documents, and Kendal closed our chat. I tried to send him a direct email, and he ignored it. I tried calling their customer service, and their AI put me in a loop for a “lost or stolen card” (which I assume wouldn’t have fixed my misspelled name), and wouldn’t let me chat with a real agent. It took half an hour to find a real human to speak to, and she got in touch with Kendal, who said I needed to sign another document. Then, he sends me a document that wouldn’t have fixed my name change because it didn’t even have the option to put my name in. After the third document, I asked him for confirmation that he’ll be delivering my new debit card with my correctly spelled name, and he is once again ignoring me. So, I’ll be calling once again. All of this for something that should’ve been a simple fix. They do NOT have good customer service. Update: after talking with my third agent over 3 hours, I got my issue resolved. He was lovely, his name was Monty. I suppose getting good help with them is a game of roulette.
g. gambino
2 days ago
stephen hancock
9 days ago
I was unable to access my account…
I was unable to access my account online and the telephone support service failed as well. I was told a specialist would contact me within 3 days which was unacceptable. I traveled to the Broad Street, Richmond branch, signed in, and after a n HOUR AND A HALF WAIT choose to initiate action on my own. I withdrew 67k from my account and left just enough in checking to cover the automatic payments and continue automatic deposits so as not to disrupt my ongoing business. The 67K went out to the parking lot with me and now resides in my new banking institution. IT WAS ONLY AFTER I DEMANDED THE CASHIERS CHECK THAT THE PSEUDO CARING SIDE CAME OUT OF THE MANAGER! Now I am using them, the way they used me for 30 plus years and I encourage existing members to do the same and potential members to go elsewhere!
a year ago
Langley Federal Credit Union on Jefferson Ave Newport News…
Langley Federal Credit Union on Jefferson Ave Newport News has some of the laziest employees. No one wants to wait on you. Each teller sits there and waits to see if another teller will make the first move. The female security guard must ride the short bus to school because she doesn’t know why she is there. Not all branches have this problem but why do you have to drive to another branch to get service? The requirements for working at Langley must be low because the customer is not valued there. Where is the oversight? I don’t trust these people. They are also very unfriendly. They act as if they are doing you a favor by just being there. Someone needs to train the employees on providing customer service to the people who pay their salaries.
sharon berkheiser
a year ago
I bought a new vehicle
I bought a new vehicle, the dealer financed it through Langley. I wasted close to two hours of my time just trying to get the information I need to make my payments!!! Over an hour on the phone, mostly on hold and pushing buttons just to talk to a human. The girl was terrific, she gave me my account number and the info I needed. When I tried to sign into my account on line, I was told "credit card" numbers not allowed!! More time wasted trying to find out what my member number was!! If they would have mailed my information I would have spent 30 seconds opening my mail instead of 2 hours trying to get my information by phone or online. Do they not realize a lot of people, especially older folks have no idea how to "bank online" Lesson learned!! A Langley loan will NEVER happen again
hameed azizi
2 years ago
Very bad customer service
Very bad customer service. They are charging you extra and claiming that you don't have insurance even if you provide them proof of insurance they will ask you to call a 3rd party company to verify it and it will be hours before they can give you a good answer for a simple question. I will NEVER EVER WORK WITH THEM AGAIN
2 years ago
Unethical company
Langley Federal Credit Union is an unethical, aggressive, and poorly run company. Stay away from this awful lender.
susan turner
2 years ago
Langley is definitely the go to bank in…
Langley is definitely the go to bank in my area. They are always so helpful and friendly and sometimes have specials that are fantastic.