Langley Federal Credit Union Review

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Advertiser Disclosure
Savings/MMA · Member FDIC Insured


  • A wide variety of accounts available
  • Competitive interest rates
  • Low opening required amounts
  • Most accounts do not have fees


  • Accounts have tiered interest rates
  • High opening amounts for promotional CDs
  • Must become a member first
  • Daily withdrawal limits

What You Need to Know

Langley Federal Credit Union offers a wide variety of accounts. They have an MMA, savings accounts, youth accounts, and a holiday savings account. They offer four checking accounts and a variety of CD terms. The CD terms range from three months to five years. Langley also offers loans, credit cards, and business accounts.

The accounts offered through Langley have competitive interest rates. The rates are competitive with other online account rates. The CDs, money market account, and platinum checking account earn competitive rates. The Langley Saves account earns competitive rates for the first $1,000.

Most Langley accounts have low opening required amounts. The savings accounts each only require $5 to open. Only the Platinum checking account has a set amount required to open the account. That account requires $10,000 to open. The regular CDs require $1,000 to open. The promotional CDs require more. The MMA does not have an amount required to open the account.

Only the Langley Essential checking account has a monthly fee. This checking account is for those with bad or no credit. This account offers a debit card, online and mobile banking, and bill pay. The monthly fee is $5. The other Langley accounts do not have fees.

Some Langley accounts have tiered interest rates. The Platinum MMA requires a balance of $250,000 to earn the most competitive rate. Traditional money market accounts require $100,000 for the best rate. The Platinum checking account requires $10,000.

Langley offers promotional CDs with more competitive interest rates. Two of these terms have high opening required amounts. The 11-month CD requires $100,000 to earn interest and the 29-month CD requires $50,000. The other promotional CDs only require $1,000 to open, but they are for new deposits only.

To open accounts with Langley FCU, you must first become a member of the credit union. You are eligible for membership if you work for a specific company. Member of certain organizations or that attend certain schools are eligible. Family members of other members are eligible. You can also join an organization to become a member of Langley FCU.

Langley has a daily withdrawal limit. Members can withdraw up to $600 per day, per account, if your account has sufficient funds. There is also a $600 limit with point-of-sale transactions.

Cool Things

Langley Saves Account

This account is specifically to help members save money. This account only requires $5 to open. The first $1,000 earns very competitive interest rates. Balances over $1,000 earn much lower rates.

Financial Calculators

The Langley FCU website offers a variety of financial calculators. These include knowing how much to save for college or to become a millionaire. Learn how to save for a big purchase or an emergency. The website offers a 52 Week Money Challenge. If you follow the plan by the end of the year, you will have $1,000 saved.


Langley Federal Credit Union started in 1936. It was first named the National Advisory Committee for Aeronautics Laboratory Federal Credit Union. It opened when 25 NACA employees each deposited $1 to pay the charter fee.

In 1942, the name changed to Langley Memorial Aeronautical Laboratory Federal Credit Union. In 1956, the name was officially changed to Langley Federal Credit Union. By 1970, the credit union had almost $75 million in assets. They launched their website in the 1990s and in 2007 mobile deposit was available.

Today Langley has more than 250,000 members. They have over $2.5 billion in assets with 18 branch locations. Corporate headquarters are in Newport News, Virginia.

Awards and Recognition

  • Best Credit Union in Nation by Kiplinger’s Personal Finance in 2017
  • Best Checking Account Rates by
  • Top Credit Union by the Richmond District Office of the SBA

Giving Back

In 2017, Langley donated over $400,000 to organizations in their communities. Some of those organizations included Boys & Girls Clubs in Pennsylvania and Virginia.

Langley offers $500 grants to teachers around the Hampton Road area. This money helps elementary, middle, and high school teachers with classroom projects. In 2017, the total awarded to teachers was $15,000.

Each year Langley awards scholarships. A $5,000 scholarship is given to a junior in the school of business at Christopher Newport University. The other scholarship is given to an applicant in the Langley’s Constellation Club. In 2018, Langley awarded $20,000 to seniors.

Other Benefits of Langley FCU

Langley members who have multiple accounts receive Active Member Rewards. To earn these rewards, you must have monthly checking account activity and a loan or credit card with Langley. You must also receive eStatements. If you qualify, you can earn higher interest rates on CDs, interest paid back on loans, and free checks. Other perks are listed on the website.

Frequently Asked Questions

Is Langley FCU FDIC insured?

Yes. Langley Federal Credit Union is backed by the NCUA. The National Credit Union Association is an agency of the United States government. It protects funds deposited in credit unions, up to $250,000 per customer, per credit union. The money deposited in NCUA insured credit unions means money is backed by the full faith and credit of the United States government.

How do I access my money?

With checks, ATM or debit cards, or through electronic transfers. You can access your money through bill pay or by visiting a local branch location.

Does Langley FCU offer mobile banking?

Yes. With the mobile app, you can see account balances, transfer money, and pay bills. You can deposit a check and set up account alerts.

Is Langley FCU free?

Only the Essential checking account has a monthly fee. The other Langley accounts do not have monthly maintenance fees.

Is Langley FCU a good credit union?

The interest rates are competitive. They offer a wide variety of personal accounts and some business accounts. Most amounts required to open accounts are low. Only the Essential checking account has a monthly fee. Members can open Langley accounts online.

Is Langley FCU secure online?

Their security measures comply with federal laws. Their computers have safeguards in place. Their buildings and files are secure. Personal information in encrypted.

Does Langley FCU offer competitive interest rates?

Most Langley accounts offer competitive interest rates. Some accounts have tiered interest rates. To earn the most competitive rates requires large account balances.

Can I use Langley FCU for my business accounts?

Yes. They offer a checking, savings, and money market account for businesses. They also offer CDs, loans, and credit cards for businesses.

How is Langley FCU online banking different from the online banking my bank offers?

The interest rates are much higher than typical bank rates. Members can open Langley accounts online and, everything for the account is online.

Do Langley FCU checking accounts pay interest?

Only the Platinum checking account earns interest. The rates are higher than typical bank rates. But,some online checking accounts offer higher rates than this account.

How do I reach customer service?

By phone, email, mail, or by visiting a local branch location. You can follow Langley on Facebook, Twitter, Instagram, LinkedIn, and YouTube.

Does Langley FCU offer bill pay?

Yes. Bill pay is available with most Langley accounts.

Can I deposit cash?

Yes, at a local branch location or at an ATM that accepts cash.

How long do transfers take?

Electronic transfers are available the same business day. For larger deposits, the first $200 is available the same business day. The rest of the deposit is available the following business day. Other holds may apply.

Can I sign up for direct deposit to Langley FCU accounts?

Yes. Money can be directly deposited into Langley accounts.

Bank Contact Information

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Advertiser Disclosure
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