Langley Federal Credit Union Has New 14-Month CD, 3.04% APY


UPDATE 10/1/2019: 14-month Promotional Certificate is no longer available.

Deal Summary: 14-month Promotional Certificate, 3.04% APY, $1k minimum deposit, new money

Availability: Easy membership requirement

For a limited time, Langley Federal Credit Union (Langley FCU) is offering a 14-month Promotional Certificate earning 3.04% APY. The minimum deposit is $1k of new money, with no stated balance cap. There is no limit on the number of Promotional Certificates that can be opened. While this is a limited-time offer, no end-date has been announced.

Langley FCU’s Active Rewards, which adds an additional 0.10% to CDs, does not apply to the Promotional Certificate.

Langley FCU’s website no longer provides access to Account Disclosures or Truth-in-Savings documents, so all the following information was provided by CSR.

  • The Early Withdrawal Penalty is 180 days dividends on the amount being withdrawn, with partial withdrawals allowed.
  • Maturing funds can be distributed by cashier’s check, wire transfer, or transferred to any other Langley FCU account (checking, savings, money market account). Once the funds are in another Langley FCU account, you can initiate an ACH transfer from an outside institution. You cannot initiate an outgoing ACH transfer from any Langley FCU account.
  • There is a 21 (yes, twenty-one) calendar day grace period before the 14-month Promotional Certificate renews as a 12-month Certificate.


Headquartered in Newport News, Virginia, Langley Federal Credit Union offers membership to virtually any U.S. citizen or resident alien with a valid Social Security number.

In the past, Langley FCU’s field of membership (FOM) included employment status, organization affiliation, family relationship, and membership in several non-profit organizations, with the specifics listed on the online application.

Long story short, there are no longer any requirements to meet to qualify for membership – anyone is welcome to apply.

Joining Langley Federal Credit Union can be done online or at any of 19 Virginia branches located in Carrollton, Chesapeake (2), Hampton (2), Hayes, Langley AFB, Newport News (4), Norfolk (2), Poquoson, Virginia Beach (3), Williamsburg, and Yorktown.

A savings account is the initial account to establish your membership with Langley. Once you make the initial $5 deposit, you become a member of the credit union, enabling you to take advantage of many other products and services that meet your needs.

Existing members can open the Promotional Certificate online, by phone (757.827.5328), or at any of the above mentioned branch locations. According to CSR, those joining Langley FCU must first establish their membership, fund their new Langley Savings Account with the monies to be used to open the Promotional Certificate, and then call 757.827.5328 to open the Certificate over the phone.

Langley FCU participates in the CO-OP Shared Branch network, providing its members with access to more than 5,000 shared branches across the country.

Credit Union Overview

Langley Federal Credit Union has an overall health grade of "A" at, with a Texas Ratio of 4.04% (excellent) based on June 30, 2019 data. In the past year, Langley FCU increased its total non-brokered deposits by $213.31 million, an excellent annual growth rate of 9.91%. Please refer to our financial overview of Langley Federal Credit Union (NCUA Charter # 1261) 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 founded in early 1915 and was the predecessor of 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. With more 261,000 members and assets in excess of $2.9 billion, Langley FCU is currently the fifth largest credit union headquartered in Virginia.

In keeping with its tag-line of “Save, Borrow, & Spend Wisely,” Langley FCU is committed to the well-being of it community. According to a February 11, 2019 press release,

Langley Federal Credit Union announces its 2018 combined giving efforts of the credit union and the Langley for Families Foundation is more than $871,000. These funds were invested back into the Hampton Roads community to more than 100 organizations that provide services ranging from healthcare, housing, homelessness, disaster relief and hunger.

How the Promotional Certificate Compares

When compared to 212 similar length-of-term CDs tracked by that are available nationwide, Langley Federal Credit Union’s 14-Month Promotional CD APY currently ranks first.

The above rates are accurate as of 9/25/2019.

To look for the best CD rates, both nationwide and in your state, please refer to our CD Rates Table page.

Related Pages: Washington CD rates, Norfolk CD rates, 1-year CD rates, nationwide deals

  |     |   Comment #1
Good Deal! Available as Roth IRA ?
  |     |   Comment #2
Does anyone have any knowledge as to how long these promo rates last based on previous experience?
  |     |   Comment #4
In 2017 they had a 15 m special.
It lasted ONE Week
  |     |   Comment #29
WOW, not even a week this it would seem.
  |     |   Comment #34
Off-site applications discontinued 11:30 am today..9/30/ from a call trying to apply online.
Trump is best POTUS since Reagan
  |     |   Comment #3
I like this deal. Any CD with a three handle YTM is worthy of consideration right now, sad but true. However, two something CD deals are not at all interesting; at least not to me.
  |     |   Comment #6
I would say they need some money just for qtr. end. Once the 1st of the month hits it's over.
  |     |   Comment #7
I spoke to a rep, it began on Monday and could be over by Friday if they hit their target. App is in review so unless they give me an account number by tomorrow there no assurance that I can get the funds even by wire in on time.
  |     |   Comment #8
OK quick question is there a hard pull and which agency?
  |     |   Comment #9
I doubt it since it was a very brief application asking only for BD and SS#. After funding the Saving Account with $5 I received a message that a CSR would contact me within 2 business days to review my application.
  |     |   Comment #10
As a reminder, Keesler still has their 3.21% Jumbo 30 month and 3.10% smaller size. Many of us joined when they had a 5% CD going on and they opened it to anyone briefly. Now, it may only be for certain states or with a military connection?

If this deal is still going in May, I am probably opening another one when I have a large CD maturing elsewhere. Unless the market crashes or something and I cannot resist stocks.
  |     |   Comment #35
Are they still offering the Jumbo 30 Mo. 3.21% Can a person no military connection living in Florida join? Thanks Chief
  |     |   Comment #42
Its still live as of today. I was told it would change on a wed if it was going to change and it has not despite most everyone else cutting rates.

However, I think its limited to 3 states or a Military connection. When I joined, they briefly let lots of us join by donating $10 to the american cancer society or something but that seems to have ended.

They also have a 21 month at 2.54-2.65% (Higher for Jumbo)

Who can join Keesler Federal?
There are many ways to qualify for membership:

Work at one of our 300+ select employee groups
Have a family member who’s a Keesler Federal member
Live, work, worship or attend school in Forrest, Pearl River, Harrison or Hancock counties, or select census tracts in Jackson or Hinds counties in Mississippi
Live, work, worship or attend school in select census tracts in St. Tammany or Orleans parishes in Louisiana
Military who can use the services at Keesler Air Force Base or at Royal Air Force Bases in the UK
Stay tuned! Keesler Federal will soon be expanding to the Mobile, Alabama area.

If you’re not sure you’re eligible, contact us and we’ll help you with additional options for qualifying for membership.
  |     |   Comment #11
@RZ These promo rates come up say when bank has an option to invest/loan and they are short money so they come up with special rates and these last till the day they meet their target goal amount. So no one knows the date I have seen if you have started the process they will honor it up to a day later or expedite things for you to get in ... I see you have started the process and I will start today and plan to make a deposit at shared branch once it opens
  |     |   Comment #12
Ken: Is there a hard or soft credit pull on their savings products according to their CSR? Important questions as many institutions do hard pulls on savings (non-loan) products resulting in short term lowering of credit (and insurance) scores.
  |     |   Comment #13
Yes, any info on credit pull. Also, when we do offers and summaries you might add type of credit pull. I've seen alot of comments and questions in regards to this subject.
  |     |   Comment #14
Super easy approved in minutes yesterday afternoon & used a credit card to fund the Shared Savings. Yes, it is a HARD pull for the membership, (even though its a CD and I'm not looking for credit). They use EXPERIAN.

Headed to the Shared branch at lunchtime!
  |     |   Comment #15
Thank You RichReg for taking the "hit" to your credit inquiry count.
Others afraid of not stepping up on their own or wanting DA to inquire
maybe shouldn't be chasing rates. Typical spoon-feeding behavior.
They either want the account or don't.
  |     |   Comment #16
2 days later my application is still under review despite the “easy” process
  |     |   Comment #18
'Easy' in the the sense that they don't ask for photo-images of IDs, proof of income & current job, etc., or any other GENERAL info-gathering that would make it more time consuming.

If they're still REVIEWING what you gave them, well, that's a different story. Could very well be something specific to you.
  |     |   Comment #17
NO notice from Langley of credit pull. I have a credit freeze. Just received notice of denial to open new account --no address found. They wanted a mailing address on the application, but did not accept a po box. ALL my goes to a po box for the past 40 years. Called a rep, they want me to come in -in person although they can clearly see on the application I am nowhere near Virginia. Not impressed.
  |     |   Comment #20
I also only receive mail at a POB and there is no place to put physical address and POB on app, but turned out easy to get around. I put my physical address, where the mailman will not deliver mail, finished app and paid $5 to join. Then called and they changed it to POB over phone without any kind of hassle.
  |     |   Comment #19
The shortest easiest application I've ever filled out. Paid $5 with a credit card to become a member at end of online app. It was approved in minutes, which gave me a member# and savings acct #. Then I registered online which gave me access to my acct. Called Vanguard and had them initiate wire from my MM fund to Langley savings acct. Money will be there Monday and Langley said call and tell them to open 14 mo cd then. Easy so far
  |     |   Comment #21
Ba-Da Book, Ba-Da Boom!
See, now that's what I'm talkin' about...
  |     |   Comment #22
I did my application last Thursday and got a message being reviewed and I would get an email. No email yet. I do have a credit freeze so that may be what's holding it up.
  |     |   Comment #23
It's been 5 days, 2 phone calls, 2 promises that someone would be in touch within a day and still nothing but crickets......
  |     |   Comment #24
I had called yesterday and they said application was approved and I will get an e-mail and still waiting. Hopefully it moves Monday !!!
  |     |   Comment #25
Deal is no longer on their website.
  |     |   Comment #26
Despite several promises I never heard back from them but they did take my $5!
  |     |   Comment #27
I had same experience applying last Wednesday. They had approved membership
for me but was pending for my wife. I requested ACH not to be processed.Hope they
do not charge $5.00 and in your case and probably others they should reverse the ACH.
  |     |   Comment #28
I was able to open it. I got e-mail after GMF post below. They agreed as long as I fund in 24 Hrs. I did a shared branch immediately and called back and its opened. Do not loose hope. Contact Stephanie X 2156 directly she knows some of you will be calling. Good luck
  |     |   Comment #30
September 30, 2018
Just saw Ken Turpin's note on special promotion APY 3.04%. Promotion ended. Must have been meant for friends of the CEO who knew abou t in advance.
  |     |   Comment #31
No, it means they needed a limited amount of money. FIs are not obligated to offer rates indefinitely.
  |     |   Comment #32
@Medici I am not related to them and was able to fund it. Think positively !! It is limited time not based on days but funds they need. Even though promotion was dead they agreed to honor not only for me but anyone else who had opened an account before this afternoon.
  |     |   Comment #37
#31 and 32 I think Medici was being sarcastic
  |     |   Comment #33
Online access to the 14 mo. 3.04% was discontinued 11:30 am 9/30/2019. Branch applications probably discontinued soon. (Information from a call to try to apply online.)
  |     |   Comment #36
If you had already applied for the account they will be able to open the CD for you. I have a contact name and her extension to help you out above. I am sure there would be another one that comes out where they are in need if you missed this one !!
  |     |   Comment #39
Open it as it came.
Funded with 50K maximum.

One day later, they say the moeny has to go first to the checking account.
Waited until the microcredits came
Funded the same day. Now it said maximum only 10K per day
And then they take the offer
What a joke.
  |     |   Comment #40
@jose it has worked better to fund it from a shared branch and call them while there to verify and open a CD ..
  |     |   Comment #41
Submitted online application on Saturday, received account number via email today, deposited money for CD via shared branch, called and had money transferred to CD: done!

Thanks to gmohan123’s posts I didn’t give up.
  |     |   Comment #43
I was persistent in calling them and found out that my account was approved even though I had not received a confirmation. I wired the funds to the saving account today, spoke to a rep in the afternoon who immediately converted it to the CD. Apparently their staff was overwhelmed with the the response to this CD promotion which lasted only one week. Good customer service in that they honored applications that were received prior to closing of the promotion.
Langley Federal Credit Union Adds 29-Month Promo CD
Deal Summary: 29-month Jumbo Promotional Certificate, 3.04% APY, $50k minimum deposit

Availability: Easy membership requirement

Langley Federal Credit Union (Langley FCU) has added a 29-month Jumbo Promotional Certificate Special, which earns 3.04% APY. This limited-time offer requires a minimum deposit of $50k, with no stated balance cap.

Langley FCU’s Active Rewards, which adds an additional 0.10% to CDs, does not apply to the Jumbo Promotional Certificate. According to the Account Disclosure,

The grace period is a generous “twenty-one (21) calendar days from the maturity date.”

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Availability: Easy membership requirement

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Availability: Easy membership

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The 60-month CD is also offered as an IRA (Traditional, Roth) earning the same APYs, but with a lower minimum deposit of $500.

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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:

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