Langley FCU (Easy Membership) Has Limited-Time 36-Month CD Special


Availability: Easy membership

For one week only, Langley Federal Credit Union (Langley FCU) is offering a "Many Happy Returns" 36-month CD Special (2.00% APY). The minimum deposit is $1K, with no balance cap.

This limited-time offer, which ends on December 5, 2015, is also available as an IRA (Traditional and Roth), earning the same APY but only requiring a $500 opening deposit.

As stated on Langley FCU’s Truth In Savings For CDs document, the Early Withdrawal Penalty reads as follows:

Terms of 12 month or longer, 180 days’ dividends


Headquartered in Newport News, Virginia, Langley Federal Credit Union offers membership through a variety of ways.

Easy Membership: Joining any of four non-profit organizations (Friends of the Carrollton Library, $5; Friends of the Gloucester Library, $5; Friends of the Poquoson Library, $10; Virginia Association of Museums, $15) qualifies you for membership in Langley FCU. (This is the fifth option on the first page of Langley FCU’s online application.)

Employment: Employees of over 900 SEGs qualify for membership.

Relationship: Family and household members of current Langley FCU members

Organization Affiliation: Members of 240+ Virginia-based organizations and schools are also eligible to join.

Joining Langley Federal Credit Union can be done online, or at any of 19 Virginia branches located in Carrollton, Chesapeake, Hampton (4), Hayes, Langley AFB, Newport News (5), Norfolk, Poquoson, Virginia Beach, Williamsburg (2), and Yorktown.

While a link to the online application is listed on the "Many Happy Returns" promotion page, the 36-month CD listed on the application is the standard 36-month CD (1.92% APY). In a Live Chat and a phone call with CSR, it was determined that the 36-month CD Special can’t be opened online, but can be opened in-person at any of the above mentioned branch locations, or on the phone.

Credit Union Overview

Langley Federal Credit Union (NCUA Charter # 1261) has an overall health grade of "A" at, with a Texas Ratio of 5.72% (excellent) based on June 30, 2015 data. In the past year, Langley Federal Credit Union increased its total deposits by 101.86 Million, an excellent annual growth rate of 6.71%. Please refer to our financial overview of Langley Federal Credit Union for more details.

Langley Federal Credit Union was originally chartered in 1936 as the National Advisory Committee for Aeronautics (NACA) Laboratory Federal Credit Union. (NACA was a U.S. federal agency founded in early 1915 to undertake, promote, and institutionalize aeronautical research, which later became NASA.) Twenty-five NACA employees each deposited $1 to pay the charter fee, and the following month, the Credit Union opened its doors with assets totaling $275. Langley Federal Credit Union is a rapidly growing credit union with 222,200+ members, and has been among the top 10 in loan growth among billion dollar credit unions in 2012, 2013, and 2014.

How the CD Compares

When compared to the 126 similar length-of-term CDs tracked by that require a similar minimum deposit and are available nationwide, Langley Federal Credit Union’s 36-Month CD APY currently shares the top spot with Elements Financial’s 32-month Harvest CD Special.

The above rates are accurate as of 11/29/2015.

To search for nationwide CD rates and CD rates in your state, please refer to the CD rates section of

Anonymous   |     |   Comment #1
the deal at elements cu is better if the harvest cd is still available
Anonymous   |     |   Comment #2
How does this deal compare to all deals now available?  Is it better or worse?
Anonymous   |     |   Comment #3
Ken lays it right out above in black and white, - this is the best 3 year rate you can find now.

As far as how it compares to "all deals now available" of every stripe, who could say except in light of your unique circumstances and objectives, - unless rate is the only consideration (in which case you can do better than this).
Anonymous   |     |   Comment #4
I'm wondering if going with the best three year rate available is the best way to go now.  For instance, which is a better deal: the X-CEL  12 month at 1.50% or the Langley 3 year at 2.00%, objectively, regardless of individual situations .  Or is there a better deal than either of these two?
Anonymous   |     |   Comment #5
A 3 year 2% CD is a bad way to go in my opinion.  In an environment of potentially rising rates the sensible strategy is to stay short (or even liquid) and see how things pan out in the coming months.  The very best approach would be using Everbank's 6 month Checking and Money Market account promotion (1.6%) and then grabbing any exceptional deals that might come along over the next year for longer terms.   2% for a 36 month commitment isn't one of them.
4.86% 60-Month CD & 3.56% 12-Month CD at Langley FCU in Virginia
Langley Federal Credit Union is offering several competitive certificate rates. The best rates include 3.56% APY for 12 months, 3.66% for 18 months, 3.82% for 30 months and 4.86% for 60 months. The 60-month rate requires a $50K minimum deposit, but the shorter terms require only $1,000. The APY is 4.59% for a 60-month term with only a $1,000 minimum. Certificates are also available in Traditional and Roth IRAs. These rates are listed at the credit union's rate table as of 1/22/2009.

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Langley Federal Credit Union is offering a 6.17% APY 9-month share certificate. There's a $5K minimum deposit. Money new to the credit union is required. This special offer is good through August 31, 2006.

The good thing about membership into this credit union is that it only requires a $5 deposit into a share account. The downside is that the field of membership is primarly based on select employer groups. You must contact the credit union (800-588-EASY) to determine if you are eligible to join. See site for details.

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