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.

Read the full Langley Federal Credit Union review.

earn.bank accounts offer competitive interest rates. The rates are competitive with other online accounts. Their interest rates are much higher than typical bank rates.

The money market account through earn.bank has a low opening required amount. To open this account only requires $100.

The earn.bank money market account does not have tiered interest rates. You do not have to have a set amount in the account to earn the most competitive interest rate.

All earn.bank accounts are entirely online. You can open their money market account or CD terms from anywhere. Because they are an online bank, the interest rates are much higher than typical bank rates. To open an account, you must have a social security number and a government issued ID. You must have the amount required to open the account. You can fund the initial amount with a credit card, or external savings or checking account.

To open a CD with earn.bank requires a large sum. Each of the CD terms require $25,000 to open. The CD terms available are a one-year and a two-year.

The money market account has a monthly maintenance fee of $10. To waive this fee requires an account balance of $10,000. This fee is not assessed for the first three months of opening the account. After that time, if you do not have a $10,000 balance, you will be charged $10 each month that the balance is below $10,000. There is also a $25 paper statement fee. Avoid this fee by signing up for electronic statements.

The easiest way to withdraw money from your MMA is to link the account to an external account. The linked account allows you to also deposit money easily into your earn.bank accounts. You can withdraw money through a wire transfer by calling customer service.

earn.bank does not offer a wide variety of accounts. They only offer one personal deposit money market account and two CD terms. The CD terms offered are a one-year and two-year term. They do not offer checking accounts, savings accounts, or business accounts.

Read the full Earn Bank review.