--- title: "Langley Credit Union Rates (Nov 2026): Mortgage 7.00%" description: "Langley Credit Union rates today: 30 year fixed mortgage 7.00% APR. Every rate verified daily from the official website — no pay-to-rank. See who can join Langley Credit Union — verified membership eligibility with the requirements and cost to join." canonical: "https://rateapi.dev/credit-unions/virginia/langley-fcu" last-updated: "2026-11-13" source: "https://rateapi.dev/llms.txt" --- # Langley Credit Union Rates (Nov 2026): Mortgage 7.00% ### Mortgage rates 15 offers | Product | Published | Rate | Term / condition | Status | | **VA 30-Year Fixed** 30 year fixed | 7.000% APR | 7.000% | — | Standard | | **30-Year Fixed** 30 year fixed | 7.125% APR | 7.000% | — | Standard | | **FHA 30-Year Fixed** 30 year fixed | 7.125% APR | 7.125% | — | Standard | | **15-Year Fixed** 15 year fixed | 6.625% APR | 6.625% | — | Standard | | **10-Year Fixed** 10 year fixed | 6.500% APR | 6.500% | — | Standard | | **5/1 ARM** 5 1 arm | 6.793% APR | 6.500% | — | Standard | | **3/1 ARM** 3 1 arm | 6.797% APR | 6.250% | — | Standard | | **1/1 Adjustable Rate Mortgage** arm | 6.897% APR | 6.000% | — | Standard | | **First Time Home Buyer 5/1 Adjustable Rate Mortgage** 5 1 arm | 6.943% APR | 6.875% | — | Standard | | **20-Year Fixed** 20 year fixed | 7.000% APR | 6.875% | — | Standard | | **Jumbo 5/5 ARM** 5 5 arm | 7.565% APR | 7.375% | — | Standard | | **30 Year No Points, No Closing Cost Mortgage** other | 7.250% APR | 7.250% | — | Standard | | **30-Year Fixed, Refinance** 30 year fixed | 7.125% APR | 7.125% | — | Standard | | **15-Year Fixed, Refinance** 15 year fixed | 6.625% APR | 6.625% | — | Standard | | **20-Year Fixed, Refinance** 20 year fixed | 7.125% APR | 7.125% | — | Standard | Langley Credit Union mortgage rates as of November 12, 2026 ### HELOC rates 4 offers | Product | Published | Rate | Term / condition | Status | | **40 Year Variable Rate HELOC** heloc_variable | — APR | 7.000% | — | Standard | | **7-Year HELOC (Fixed)** heloc_fixed | — APR | 7.090% | — | Standard | | **12-Year HELOC (Fixed)** heloc_fixed | — APR | 7.340% | — | Standard | | **22-Year HELOC (Fixed)** heloc_fixed | — APR | 7.590% | — | Standard | Langley Credit Union heloc rates as of November 12, 2026 ### Personal loan rates 6 offers | Product | Published | Rate | Term / condition | Status | | **Share-Secured Loan** personal_secured | — APR | 3.550% | — | Standard | | **Credit Builder Loan** personal | — APR | 6.500% | — | Standard | | **Debt Consolidation Loan** personal | — APR | 15.240% | — | Standard | | **Extra Personal Loan** personal_unsecured | — APR | 15.240% | — | Standard | | **Extra Personal Loan (High Balance)** personal_unsecured | — APR | 17.240% | — | Standard | | **Extra Personal Line of Credit** ploc_variable | — APR | 18.000% | — | Standard | Langley Credit Union personal loan rates as of November 12, 2026 ### Other rates 1 offer | Product | Published | Rate | Term / condition | Status | | **Flex Now** other | 18.000% % | 18.000% | — | Standard | Langley Credit Union other rates as of November 12, 2026 As of November 12, 2026, Langley Credit Union offers a 30-year fixed mortgage at 7% APR. > Source: [RateAPI.dev](https://rateapi.dev/credit-unions/virginia/langley-fcu) , verified from [Langley Credit Union's official website](https://langleyfcu.org) Best product position **Room to improve vs. the Virginia median** 30-year fixed mortgage Gap to state best **70 bp** 70 bp from state best Vs. state median **5 bp behind median** 30-year fixed mortgage Products ranked **1** across tracked Virginia markets | Product | Published APR | Position | Vs. state best | Vs. state median | | 30-year fixed mortgage | 7.00% | Room to improve vs. the Virginia median | 70 bp from state best | 5 bp behind median | Published rate position by product as of November 13, 2026 This is the public snapshot. Claim Langley Credit Union's profile to see the full product-by-product breakdown, how the gap to the state best has moved over time, and the near-misses where a small change would move you up. [See the full breakdown →](https://rateapi.dev/for-credit-unions/claim?cu=langley-fcu&state=virginia&code=VA&name=Langley%20Credit%20Union) Loading branch locator… ## About Langley Credit Union Institution facts reported to the National Credit Union Administration for Invalid Date. Members 405.3K Assets $5.7B Founded 1936 Locations reported 21 NCUA charter 1261 Charter type Federal credit union ### Services and member support - Online membership application - Online loan application - Open an account online - Electronic statements - Mobile check deposit - Financial counseling - Financial education - First-time homebuyer program - Bilingual services - Student scholarships - Credit-builder products Source: [NCUA quarterly call report](https://ncua.gov/analysis/credit-union-corporate-call-report-data/quarterly-data) . Services are institution-reported; confirm availability with the credit union. ### Other credit unions with branches nearby Compare membership, services, and rates from other institutions with an NCUA-reported branch nearby. [**Bayport** Corporate Center · Newport News · VA · 23606-4571 Branch in the same ZIP](https://rateapi.dev/credit-unions/virginia/bayport) [**1st Advantage** Hidenwood Branch · Newport News · VA · 23606 About 1.4 miles away](https://rateapi.dev/credit-unions/virginia/1st-advantage) [**Virginia Educators Credit Union** Nettles Office · Newport News · VA · 23606 About 1.7 miles away](https://rateapi.dev/credit-unions/virginia/virginia-educators-credit-union) [**Navy Federal Credit Union** Oyster Point VA · Newport News · VA · 23606 About 2.8 miles away](https://rateapi.dev/credit-unions/virginia/navy-federal-credit-union) [**Hampton Roads Educ Credit Union Inc** Newport News Municipal Municipal Credit Union · Newport News · VA · 23602 About 3.2 miles away](https://rateapi.dev/credit-unions/virginia/hampton-roads-educ-credit-union-inc) [**Newport News Mun. Emp Credit Union** NNMECU · Newport News · VA · 23602-6989 About 3.2 miles away](https://rateapi.dev/credit-unions/virginia/newport-news-mun-emp-credit-union) Nearest-first estimates use the center of your Census ZIP area and NCUA-reported branch locations. Distances are straight-line estimates, not driving distance. ## Who Can Join Langley Credit Union Membership eligibility from Langley Credit Union's own published criteria. [How we verify this](https://rateapi.dev/eligibility-methodology) . Membership criteria are published on Langley Credit Union's website. Check the membership page below to confirm whether you qualify. Verified from [Langley Credit Union's membership page](https://langleyfcu.org) . Final membership determination is always made by the credit union. ## Work at Langley Credit Union? This page is seen by prospective members comparing rates — and by the AI assistants they ask. Claim this profile to correct or update rates, add missing products, and get your free rate scorecard showing where Langley Credit Union ranks against Virginia peers. - See which AI assistants fetched Langley Credit Union’s rates, and how often - See which of your products the RateAPI API returned, and where you rank in Virginia - Correct anything we publish about you that is wrong [Claim this credit union](https://rateapi.dev/for-credit-unions/claim?cu=langley-fcu&state=virginia&code=VA&name=Langley%20Credit%20Union) [How scorecards work](https://rateapi.dev/for-credit-unions) ## Frequently Asked Questions ### What rates does Langley Credit Union offer? Langley Credit Union currently offers mortgage, HELOC, and personal loan rates. The rates shown on this page were last verified November 12, 2026 directly from the credit union's official website. ### How often are Langley Credit Union rates updated? RateAPI verifies Langley Credit Union's rates daily by scraping its official website, then normalizing the data. The figures on this page were last verified November 12, 2026. ### Where does RateAPI get Langley Credit Union's rate data? Rate data is collected directly from Langley Credit Union's official website. RateAPI has no pay-to-rank incentives; see the methodology page for how rates are collected and normalized. ### What is Langley Credit Union's mortgage rate? As of November 12, 2026, Langley Credit Union offers a 30-year fixed mortgage at 7% APR. ### Who can join Langley Credit Union? Langley Credit Union publishes its membership criteria on its own website. ## Related Rate Data Compare Langley Credit Union's rates against national credit-union benchmarks. [More Virginia credit unions](https://rateapi.dev/credit-unions/virginia) [Virginia mortgage rate leaders](https://rateapi.dev/mortgage-rates/virginia) [Virginia HELOC rate leaders](https://rateapi.dev/heloc-rates/virginia) [Virginia personal loan leaders](https://rateapi.dev/personal-loan-rates/virginia) [Mortgage rate benchmark](https://rateapi.dev/mortgage-rate-benchmark) [How we verify rates](https://rateapi.dev/methodology) ### Source Information Rate data is scraped directly from the credit union's official website and verified daily by our automated systems. [View Original Source](https://langleyfcu.org) ### Methodology Learn how we collect, normalize, and verify rate data with full transparency and no pay-to-rank incentives. [View Methodology](https://rateapi.dev/methodology) ## Track Langley Credit Union rates Get a free API key to query these rates programmatically, or get the daily email when Virginia credit union rates move. Get a free API key [Daily rate email](https://rateapi.dev/daily-rate-emails) ## Use it via API Access this data programmatically with our REST API terminal ``` # Get rates for Langley Credit Union curl "https://api.rateapi.dev/credit-unions/virginia /langley-fcu " \ -H "Authorization : Bearer YOUR_API_KEY" ``` [Explore API Documentation](https://api.rateapi.dev/) [Use with Claude](https://rateapi.dev/#mcp) Branch locator ## Langley Credit Union locations Search, filter, and browse all 21 NCUA-reported locations. Use my location Search branches Apply Sort near a ZIP **Loading branches…** Branch services ATM Drive-through Member services Shared branch Skip to main content --- Source: https://rateapi.dev/credit-unions/virginia/langley-fcu Rate data API: https://api.rateapi.dev · OpenAPI: https://api.rateapi.dev/openapi.json · MCP: https://mcp.rateapi.dev/mcp