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Langley Federal Credit Union Review

Reviews 9
Langley CD
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Langley CD
Reviews 9
Michael Graw
Apr. 17, 2024
3 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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