What are the current interest rates at Langley Federal Credit Union?

Current rates for Langley Federal Credit Union include: 12-Month CD: 3.70%, 24-Month CD: 3.75%, 60-Month CD: 3.85%, Savings: 0.05%

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Langley Federal Credit Union

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Langley Federal Credit Union Rates & Review September 2026

Q: Is a member application needed to join Langley Federal Credit Union?

Yes, to access services at Langley Federal Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations.

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Langley Federal Credit Union provides members with tools to manage their accounts and build a solid financial history.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: August 31, 2026

Langley Federal Credit Union's 60 Month Fixed Rate rates are at 3.85%, 24 Month Fixed Rate rates are at 3.75%, 12 Month Fixed Rate rates are at 3.70%. Langley Federal Credit Union's savings rates are at 0.05%. Langley Federal Credit Union's Our Current Mortgage Rates - 10 Year rates are at 5.50%, Our Current Mortgage Rates - 15 Year rates are at 5.75%, 30 Year Fixed rates are at 5.88%, 30 Year Fixed Rate rates are at 5.88%, Our Current Mortgage Rates - 30 Year rates are at 5.88%. Langley Federal Credit Union's Personal Loan Rates are at 18.00%. MonitorBankRates evaluates the financial stability of Langley Federal Credit Union with a 5.0 Star Rating, an A Overall Health Grade, and a Texas Ratio of 9.06%. Rates last updated and verified on 08/31/2026.

Langley Federal Credit Union money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at Langley Federal Credit Union? Share your experience about Langley Federal Credit Union by leaving a review below, or read customer reviews before you decide to use Langley Federal Credit Union.

Verified Healthy 2026 Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

Excellent Health Score: 95/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

9.06%

Excellent Higher than avg

Health Trend

Steady 12 quarters

Full history ›

Langley Federal Credit Union
City Center

721 Lakefront Cmns
Newport News, VA 23606

https://www.langleyfcu.org

Langley Federal Credit Union CD Rates

Product	Rate	APY	Term
60 Month Fixed Rate	-	3.85%	60 Month
No additional details. Last Updated 08/31/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.06%
24 Month Fixed Rate	-	3.75%	24 Month
No additional details. Last Updated 08/31/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.06%
12 Month Fixed Rate	-	3.70%	12 Month
No additional details. Last Updated 08/31/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.06%

Langley Federal Credit Union Savings Rates

Product	Rate	APY
High-Yield Savings	3.54%	3.60%
Min Balance $0 Details Qualifications Required: eStatements enrollment; one withdrawal per month limit; Earn 3.60% APY on average daily balances up to $25,000. Earn 0.05% APY on the average daily balances exceeding $25,000. This account requires enrollment in eStatements and is limited to one withdrawal per month. If more than one withdrawal is completed in a month or you are not enrolled in eStatements, you will earn 0.05% APY on the entire balance. If requirements are not met as of the last day of the month, the reduced rate will apply beginning the following month. Limit one (1) High-Yield Savings account per member. Dividends compound monthly. $5 deposit to Langley savings account required for membership. Rates may change at any time at Langley's discretion. No minimum deposit required. Insured by NCUA. Last Updated 08/31/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.06%
High-Yield Savings	0.05%	0.05%
Min Balance $25,000 Details Earn 3.60% APY on average daily balances up to $25,000. Earn 0.05% APY on the average daily balances exceeding $25,000. This account requires enrollment in eStatements and is limited to one withdrawal per month. If more than one withdrawal is completed in a month or you are not enrolled in eStatements, you will earn 0.05% APY on the entire balance. If requirements are not met as of the last day of the month, the reduced rate will apply beginning the following month. Limit one (1) High-Yield Savings account per member. Dividends compound monthly. $5 deposit to Langley savings account required for membership. Rates may change at any time at Langley's discretion. No minimum deposit required. Insured by NCUA. Last Updated 08/31/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.06%

Langley Federal Credit Union Mortgage Rates

Product	Rate	Points	APR	Term
Our Current Mortgage Rates - 10 Year	5.50%	-	5.86%	10 Year
No additional details. Last Updated 08/31/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.06%
Our Current Mortgage Rates - 15 Year	5.75%	-	5.98%	15 Year
No additional details. Last Updated 08/31/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.06%
30 Year Fixed	5.88%	-	6.13%	30 Year
Details The interest rate is current as of May 20, 2026. Offer applies to borrowers with a credit score of 740 or better depending on credit qualifications. This rate is applicable for owner-occupied purchase of a single family dwelling. For properties in Virginia, Maryland and North Carolina only. Subject to credit approval. Insured by NCUA. NMLS # 402897 Last Updated 08/31/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.06%
30 Year Fixed Rate	5.88%	-	6.13%	30 Year
Details As Low As Last Updated 08/31/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.06%
Our Current Mortgage Rates - 30 Year	5.88%	-	6.13%	30 Year
No additional details. Last Updated 08/31/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.06%
1/1 Adjustable Rate Mortgage	5.38%	-	6.13%
No additional details. Last Updated 08/31/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.06%
1/1 ARM	5.38%	-	6.13%
Details The interest rate is current as of May 19, 2026. No Private Mortgage Insurance. Up to 95% Loan-to-Value (LTV) for purchases. Maximum loan amount is $806,500. After the initial 1 year fixed-rate period, your interest rate is subject to change-up or down-based on market rates at the time of reset and annually thereafter. Offer applies to borrowers with a credit score of 710 or better, depending on credit qualifications. All Credit Union loan programs, rates, terms, and conditions are subject to credit approval and may change at any time without notice. The payment on a 30-year, $200,000, 1-year Adjustable-Rate Loan at 6.133% APR and 95% loan-to-value (LTV) is $1,120 for the first year. The rate is variable and can increase by no more than 1 percentage point(s) annually, with a lifetime maximum adjustment of 6%. Since the future index is unknown, the First Adjustment Payment is based on the current index plus a margin (fully indexed rate) as of the date above. After 1 year(s), the maximum payment is $1,248 Last Updated 08/31/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.06%
3/1 Adjustable Rate Mortgage	5.63%	-	6.20%
No additional details. Last Updated 08/31/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.06%
3/1 ARM	5.63%	-	6.20%
Details The interest rate is current as of May 19, 2026. No Private Mortgage Insurance. Up to 95% Loan-to-Value (LTV) for purchases. Maximum loan amount is $806,500. After the initial 3 year fixed-rate period, your interest rate is subject to change-up or down-based on market rates at the time of reset and annually thereafter. Offer applies to borrowers with a credit score of 710 or better, depending on credit qualifications. All Credit Union loan programs, rates, terms, and conditions are subject to credit approval and may change at any time without notice. The payment on a 30-year, $200,000, 3-year Adjustable-Rate Loan at 6.196% APR and 95% loan-to-value (LTV) is $1,151 for the first year. The rate is variable and can increase by no more than 2 percentage point(s) annually, with a lifetime maximum adjustment of 6%. Since the future index is unknown, the First Adjustment Payment is based on the current index plus a margin (fully indexed rate) as of the date above. After 3 year(s), the maximum payment is $1,416 Last Updated 08/31/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.06%
5/1 Adjustable Rate Mortgage	5.88%	-	6.21%
No additional details. Last Updated 08/31/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.06%
5/1 ARM	5.88%	-	6.21%
Details The interest rate is current as of May 19, 2026. No Private Mortgage Insurance. Up to 95% Loan-to-Value (LTV) for purchases. Maximum loan amount is $806,500. After the initial 5 year fixed-rate period, your interest rate is subject to change-up or down-based on market rates at the time of reset and annually thereafter. Offer applies to borrowers with a credit score of 710 or better, depending on credit qualifications. All Credit Union loan programs, rates, terms, and conditions are subject to credit approval and may change at any time without notice. The payment on a 30-year, $200,000, 5-year Adjustable-Rate Loan at 6.214% APR and 95% loan-to-value (LTV) is $1,183 for the first year. The rate is variable and can increase by no more than 2 percentage point(s) annually, with a lifetime maximum adjustment of 6%. Since the future index is unknown, the First Adjustment Payment is based on the current index plus a margin (fully indexed rate) as of the date above. After 5 year(s), the maximum payment is $1,450 Last Updated 08/31/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.06%
Our Current Mortgage Rates - 20 Year	6.13%	-	6.39%	20 Year
No additional details. Last Updated 08/31/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.06%
VA 30 Loan	6.25%	-	6.42%	30
No additional details. Last Updated 08/31/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.06%

Langley Federal Credit Union Home Equity & HELOC

Product	Rate	Points	APR	Term	View More
Home Equity Line of Credit	-	-	6.75%
Details As Low As Last Updated 08/31/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.06%

Langley Federal Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term	View More
New and Used Vehicle Loans 60 Months	-	-	5.74%	60 Months
Details As Low As Last Updated 08/31/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.06%

Langley Federal Credit Union Personal Loan Rates

Product	APR	Term	View More
Signature Cash Back Loan	18.00%
Details 5% Pick Your Own Category! 3% on Gas 2% on Groceries & Wholesale Clubs 1% on Other Purchases Last Updated 08/31/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.06%

Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution's data from MonitorBankRates.com, please contact us here.

Financial Health History

Langley Federal Credit Union’s Texas Ratio rose from 7.47% in Q2 2023 to 9.06% in Q1 2026, so its financial health has held steady at a healthy level over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. Lower Texas Ratios are healthier; the amber line marks the 15% level a credit union must stay under to qualify for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures.

Swipe the chart sideways to see every quarter.

Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade15% Verified Healthy threshold

How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops.

Show the quarterly figures

Quarter	Total assets	Texas Ratio	Star Rating	Health Grade
March 31, 2026	$5.7B	9.06%	5.0	A
December 31, 2025	$5.6B	10.07%	5.0	A
September 30, 2025	$5.6B	9.72%	5.0	A
June 30, 2025	$5.6B	10.03%	5.0	A
March 31, 2025	$5.5B	9.79%	5.0	A
December 31, 2024	$5.4B	12.69%	5.0	A
September 30, 2024	$5.4B	11.59%	5.0	A
June 30, 2024	$5.3B	10.81%	5.0	A
March 31, 2024	$5.4B	9.60%	5.0	A
December 31, 2023	$5.5B	9.96%	5.0	A
September 30, 2023	$5.3B	10.00%	5.0	A
June 30, 2023	$5.2B	7.47%	5.0	A

Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.

Methodology & Data Sources

MonitorBankRates Star Rating

Our rating for Langley Federal Credit Union is derived from comprehensive financial data published quarterly by the NCUA. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with member feedback (user reviews) to help you make informed banking decisions.

Texas Ratio

We calculate the Texas Ratio using standard industry methodology. This ratio compares the credit union's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.

Rate Data Aggregation

We gather Langley Federal Credit Union rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.

Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions. It is always advisable to check with Langley Federal Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Langley Federal Credit Union

Website https://www.langleyfcu.org

Address 721 Lakefront Cmns, Newport News, VA 23606

Phone 757-827-5328

Fax 757-596-1684

President Audrey Douglas-Cooke

CEO Gaurav Bhatia

Full-Time Employees 719

Part-Time Employees 0

Branch Locations 22

ATM Locations 22

NCUA Insured ✓ Yes — Up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A (95/100)

Texas Ratio

9.06%

Return on Assets (ROA)

0.1493%

Return on Equity (ROE)

1.6709%

Non-Performing Loans Ratio (NPL)

1.15%

Total Assets

5,677,171,621

Total Amount of Shares and Deposits

4,900,585,386

Total Shares and Deposits < 1 Year

4,483,333,410

Total Shares and Deposits 1 3 Years

319,763,599

Total Shares and Deposits > 3 Years

97,488,377

Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)

482,817,549

Total Uninsured Shares and Deposits > $250K (F+J)

482,817,549

Total Insured Shares and Deposits > $250K (item 17 less item K)

4,417,767,837

Total Interest Expense (Sum of items 6 8)

28,715,353

Share Certificates

42,528

Number of Accounts for Share Drafts

221,945

IRA KEOGH Accounts

8,755

Number of Accounts for Regular Shares

578,909

Money Market Shares

26,300

Net Income (unless the amount is already included in Undivided Earnings)

8,473,424

Net Worth Classification if credit union is not new (Based upon Call Report data only See instructions)

Well Capitalized

Net Worth Classification if credit union is a new credit union

Well Capitalized

Total Cash on Deposit (Amounts Deposited in Financial Institutions)

387,338,227

Total Liabilities

5,184,160,932

Source: NCUA — Last Updated 03/31/2026

2026 MBR Health & Safety Badge

Langley Federal Credit Union earned the Verified Healthy badge

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Customer Reviews

There are no reviews for Langley Federal Credit Union yet. Feel free to create one below.

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Frequently Asked Questions About Langley Federal Credit Union

How many branches does Langley Federal Credit Union operate?

Langley Federal Credit Union currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is a member application needed to join Langley Federal Credit Union?

Yes, to access services at Langley Federal Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations.

Is there a first-time homebuyer program?

Currently, Langley Federal Credit Union does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Are credit management and repair services offered?

While formal credit repair services are not currently listed, Langley Federal Credit Union provides members with tools to manage their accounts and build a solid financial history.

Does Langley Federal Credit Union offer online and mobile banking?

Most modern institutions like Langley Federal Credit Union provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.langleyfcu.org.

Current Langley Federal Credit Union Rates

12-Month CD3.70%
24-Month CD3.75%
60-Month CD3.85%
Savings0.05%

Retrieved from our database of financial products. Rates subject to change.

Compare to Other Credit Unions

Langley Federal Credit Union Rates & Review September 2026

Brian McKay

Overall Health & Safety Grade

MonitorBankRates Star Rating

Langley Federal Credit Union Texas Ratio

Langley Federal Credit Union Health Trend

Langley Federal Credit Union CD Rates

Langley Federal Credit Union Savings Rates

Langley Federal Credit Union Mortgage Rates

Langley Federal Credit Union Home Equity & HELOC

Langley Federal Credit Union Auto Loan Rates

Langley Federal Credit Union Personal Loan Rates

Financial Health History

Methodology & Data Sources

Credit Union Profile & Overview

Financials

Langley Federal Credit Union earned the Verified Healthy badge

Customer Reviews

Frequently Asked Questions About Langley Federal Credit Union

How many branches does Langley Federal Credit Union operate?

Is a member application needed to join Langley Federal Credit Union?

Is there a first-time homebuyer program?

Are credit management and repair services offered?

Does Langley Federal Credit Union offer online and mobile banking?

Current Langley Federal Credit Union Rates

Compare to Other Credit Unions