Langley Federal Credit Union Review

4.2

GBR RATING

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Langley's high-yield savings account has a competitive APR of 3.60% up to $25,000. 

Langley Federal Credit Union is ideal for those who are already members and want a competitive rate on high-yield savings and competitive rates on CDs. Currently, Langley is offering a 14-month CD with a 4.11% APY. Langley also allows for bank access in person and digitally.

Langley Federal Credit Union was established in Virginia in 1936. The credit union offers a variety of products like savings and checking accounts, certificates and digital banking. Langley Federal Credit Union is NCUA-insured and has competitive APRs for its high-yield savings account and CDs. 

Langley Federal Credit Union Savings Accounts 

Langley Federal Credit Union savings accounts are accessible for most savers. The standard savings doesn’t require much of a minimum, while the high-yield savings offers a competitive APY that isn’t available at most banks. You can save on your own terms with a high-yield savings account since there’s no minimum deposit or fees.  

• Must be a member of Langley Credit Union 
• Standard savings requires a $5 minimum deposit, but only earns APY
• Earn up to $25,000 on the high-yield savings account
• To qualify for , you must enroll in e-statements and are limited to one withdrawal per month
• No minimum deposit or fees for the high-yield savings account 

Langley Credit Union Savings Accounts

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Where It Stands Out

Competitive High-Yield Savings APY

CD Rates

Community-Focused

Low Fees

Low Minimums

You can earn up to APY on balances up to $25,000. 

The Langley high-yield savings account is great for those who have extra cash and want to earn interest on their funds. Keep in mind that withdrawals are limited to once a month. 

Fees

No monthly service fee

APY

Up to

Min Deposit

• No minimum deposit for high-yield savings
• $5 minimum deposit for savings

Pros

• High APY
• APY only available for balances up to $25,000
• NCUA-insured 

Cons

• Only one withdrawal per month
• Must be a member of the credit union to be eligible  

Why We Like It

The high-yield savings account stands out because it has a high APY compared to other financial institutions, and the cap of $25,000 is higher than most other similar accounts at banks.

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Langley Federal Credit Union Certificate Accounts 

Langley Federal Credit Union currently offers a 14-month certificate with a 4.11% APY. The minimum deposit needed to open is $100 for the 6-month certificate, while for other terms, the minimum is $500. Terms are flexible with CD options from three months and up to to 60 months. The minimum is lower than most banks, and the APYs are competitive. 

• Certificate term lengths are from 3 to 60 months. 
• Promotional CD is for 14 months at an APY of 4.11%.
• Other APYs are 0.90% to APY.
• Minimum opening deposit is $100 or $500 depending on the term. 
• There’s a penalty for early withdrawals.

Langley Federal Credit Union Certificate Accounts

Start Banking

Where It Stands Out

Competitive High-Yield Savings APY

CD Rates

Community-Focused

Low Fees

Low Minimums

Flexible CD Term Options 

Langley Federal Credit Union offers a low minimum deposit requirement compared to other banks. APYs are higher for shorter terms. 

Fees

No required fees

APY

Up to 4.11%

Min Opening

$100 or $500, depending on the term

Pros

• Low minimum deposit requirement for shorter terms
• High APY for promotional certificate
• APYs range from 0.90% to 4.11% 

Cons

• Early withdrawal penalty
• Must be a member to purchase a certificate

Why We Like It

Langley’s CDs are competitive compared with other financial institutions because of the low minimum deposit requirement and the high APYs.

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Banking Experience 

Digital Banking 

The app allows you to view your balances and transaction histories, as well as the ability to transfer money in between accounts. You can make payments and deposit checks via your phone’s camera. 

Mobile App Ratings 

Langley Federal Credit Union’s app in the Apple Store is rated 4.9 out of 5 stars. In the Google Play store, the app is rated 4.8 out of 5 stars. 

Customer Service 

Langley Federal Credit Union has 20 physical branches that are largely concentrated in Virginia. Branch support is available by calling 757-827-5328 or 800-826-7490. Available hours are from 8 a.m. to 6 p.m. EST Monday through Friday, and from 8:30 a.m. to 1 p.m. EST on Saturday. 

Langley Federal Credit Union vs. Competitor Options 

How does Langley Federal Credit Union compare to other competitors? Here’s how Langley Federal Credit Union stacks up against Navy Federal Credit Union, Ally Bank and Capital One.

Langley Federal Credit Union vs. Navy Federal Credit Union 

Langley Federal Credit Union’s membership is based on a geographic area, while Navy Federal Credit Union is open to only military members. Langley focuses on high-yield savings accounts, while Navy Federal Credit Union focuses on VA loans.

Langley offers a promotional CD that requires a minimum deposit of $500 with a 4.11% APY, while Navy Federal Credit Union offers a 13-month CD with a $50 minimum deposit with a slightly lower APY of 4.00%.

Langley Federal Credit Union vs. Ally Bank 

Langley Federal Credit Union requires a membership, while Ally Bank is an online institution. Ally Bank offers a high-yield savings rate of APY, while Langley Federal Credit Union offers a higher rate of APY. While you can get access to physical branches with Langley Federal Credit Union, Ally is a completely online bank.

Langley Federal Credit Union vs. Capital One 

Capital One is open to anyone, while Langley Federal Credit Union is membership based. In terms of digital access, Capital One has a sophisticated app, while Langley’s app may be more of a simple app. Langley Federal Credit offers a high-yield savings with a APY, while Capital One offers a lower APY at .

Final Take 

Langley Federal Credit Union offers a variety of banking products, including checking and savings accounts, as well as certificates. Members will be able to take advantage of a high APY on a high-yield savings account while also taking advantage of a favorable rate on CDs. However, membership is required, and if you prefer physical branches, those are limited to mainly in Virginia. 

Editorial Note: This content is not provided by any entity covered in this article. Any opinions, analyses, reviews, ratings or recommendations expressed in this article are those of the author alone and have not been reviewed, approved or otherwise endorsed by any entity named in this article.

Rates are subject to change; unless otherwise noted, rates are updated periodically. All other information on accounts is accurate as of March 30, 2026.

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