Langley Federal Credit Union Has New 15-Month CD Special


Deal Summary: 15-month CD Special, 1.00% APY, $1k min/$25k max deposit, new money

Availability: Easy membership requirement

For a limited time, Langley Federal Credit Union (Langley FCU) is offering a 15-month CD Special earning 1.00% APY. New money is required to fund the CD Special, with a minimum $1k opening deposit and a $25k maximum deposit. There is a limit of one CD Specials per member. (Thanks to DA reader, wuvulu21.) While this is a limited-time offer, no end-date has been specified.

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

Langley FCU’s website contains 11 different Disclosures, but a Truth-in-Savings disclosure for CDs is not one of them. The following information was provided by CSR.

  • The Early Withdrawal Penalty is 180 days interest on the amount being withdrawn, with partial withdrawals allowed as long as a $1k minimum balance is maintained.
  • Maturing funds can be distributed by cashier’s check or wire transfer, or transferred to a Langley FCU liquid 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. Outgoing ACH transfers cannot be initiated from any Langley FCU account.
  • There is a 21 (yes, twenty-one) calendar day grace period before the 15-month CD Special renews as an 18-month CD.


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. Masks are required for any in-branch visit.

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.

The 15-month CD Special can be opened 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 2.55% (excellent) based on September 30, 2020 data. In the past year, Langley FCU has increased its total non-brokered deposits by $484.83 million, an excellent annual growth rate of 20.04%. 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 281,000 members and assets in excess of $3.5 billion, Langley FCU is currently the fifth largest credit union headquartered in Virginia and the 86th largest credit union in the country.

In keeping with its tag-line of “Save, Borrow, & Spend Wisely,” Langley FCU is committed to the well-being of its community. According to a January 2021 press release,

Langley Federal Credit Union and Langley for Families Foundation donated a record-breaking $1,402,468 during 2020. Langley demonstrated its commitment to the Hampton Roads community by donating more than ever and increasing its charitable giving by 30%.

Grants specifically designated for COVID-19 response totaled $364,200. Yearly donations exceeded $1,000,000 for the second consecutive year and helped 127 different organizations that provide healthcare, housing and human services, safety and security, and financial education services.

How the CD Special Compares

When compared to 147 similar length-of-term CDs tracked by that are available nationwide, Langley Federal Credit Union’s 15-Month CD Special APY currently ranks first.

The above information and rates are accurate as of 3/3/2021.

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
My 14-month Promotional CD at Langley (3.04% APY) matured last November. How quickly times have changed.

With their new $25K maximum offer ($250 per year @ 1.00% APY) if you've got bigger fish to fry, best to find a larger frying pan!

I've got a brokered CD [2.75% APY] with 10 times as much, maturing at the end of the month. This simply won't cut it.

Open to ideas for reinvesting the entire CD, whole hog (whole fish), with the ability to siphon off interest (as with the brokered CD) so the one-stop-shop account doesn't extend beyond FDIC/NCUA insurance coverage limits. Any suggestions?

Or does Ken's note imply that I can open up ten of these?
"There is no stated limit on the number of CD Specials that can be opened."
  |     |   Comment #2
The best Cu is the one you have been associated with over the that has a note, credit card, etc. from you may help. Go to that Cu and negotiate a deal breaker with it! It works on occasion
  |     |   Comment #4
I have seven figure deposits to negotiate with and I have never found a bank or CU of any size that would negotiate rates, terms or any other part of CDs. Years ago they used to do that, but not any more.

I assume it is because of government regulation, internal compliance to ensure the CDs are uniform and comply with financial, legal and regulatory intent, a notion that it is somehow unfair and unethical to other depositors to negotiate and/or contrary to a favorable public image, or all of the above that makes them stick to the offer as publicly stated with no deviations allowed.
  |     |   Comment #5
Some are called others...Negotiation is a skill that does not guarantee success. Try starting with your former employer ...and why should any FI negotiate with a competitor’s (former) employee?
  |     |   Comment #6
Many years ago I was able to negotiate higher CD rates at a couple local banks. But that has pretty much dried up, which I blame on the Fed, since I pretty much blame everything on the Fed.
  |     |   Comment #7
Yes, agree, it's the FED that has caused these low rates. They pumped the market so full of money, no one wants it.
  |     |   Comment #8
I really believe it all started with the last administration and the fed to slowly push us cd purchasers that is older people like me to go into the stock market to distroy our savings , for lack of a better word, The stock market is oversold and they know it as the ones who will get hurt is us going in now... Negotiate with a credit union or a bank is not happening as you can see the 1% cds they are trying to push us into before the marker drops then things may change... Hang tight till or put under the rugs in the house
  |     |   Comment #3
Just off the phone with a CSR who says one $25K maximum per member.
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.

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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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Langley FCU Adds Cyber Monday 15-month CD Special
Deal Summary: 15-month Certificate Special, 1.76% APY, $1k minimum deposit, available through December 3, 2017

Availability: Easy membership requirement

In another Cyber Monday offering, Langley Federal Credit Union (Langley FCU) has added a 15-month Certificate Special (1.76% APY) that is available through December 3, 2017. This limited-time offering requires a minimum deposit of $1k, with no stated balance cap.

While some of Langley FCU’s CDs are offered as IRAs, the 15-month Certificate Special is not. Langley FCU’s Active Rewards, which adds an additional 0.10% to CDs,...

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Langley FCU Has Nationally Available 60-Month CD
Deal Summary: 60-month CD – 2.53% APY w/Active Rewards, 2.43% APY w/o Active Rewards, $1k minimum deposit.

Availability: Easy membership

Virginia-based Langley Federal Credit Union (Langley FCU) raised the rates on its 60-month CD at the end of last week: 2.53% APY w/Active Rewards, 2.43% APY w/o Active Rewards. The minimum deposit is $1K, with no stated balance cap.

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

Active Rewards

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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’...

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