Langley Federal Credit Union Credit Card Review

Are you searching for a credit card that offers cash back rewards, competitive rates, and a user-friendly experience? Look no further than the Langley Federal Credit Union Credit Card.

Langley Federal Credit Union Credit Card

This is known as one of the largest credit unions in the United States, Langley FCU provides a comprehensive range of financial services, including a suite of credit card options tailored to meet your needs.


The Langley Federal Credit Union Credit Card comes packed with a variety of benefits that make it a compelling choice for savvy spenders:

  • Users Earn up to 3% cash back on gas purchases, 2% on in-store grocery and wholesale club purchases, and 1% on all other purchases with the Signature Cash Back Visa credit card.
  • Langley FCU frequently offers exclusive promotions and rewards for cardholders, such as 5% cash back on selected categories like groceries, drugstores, or home improvement stores for a limited time.
  • Qualify for a $50 bonus after reaching a specified spending threshold within the first billing statement, deposited directly into your Langley savings account.
  • Opening an account and obtaining a credit card requires a minimal share purchase of just $5, making membership accessible to everyone.
  • Rest assured, your Langley FCU credit card is federally insured by the National Credit Union Administration (NCUA), ensuring the security of your finances.


The Langley Federal Credit Union Credit Card boasts an array of features designed to enhance your overall experience:

  • Variable Annual Percentage Rate (APR) based on your credit history, allowing for potential rate fluctuations over time.
  • Flexible redemption options for cash back rewards, including applying them to your savings account or having them reflected on your statement.
  • Introductory APRs for a limited time after account opening, providing a lower rate for purchases, balance transfers, or both (terms may vary).
  • Online account management and mobile app access for convenient monitoring and payments.
  • Widespread acceptance at millions of merchants worldwide.

Rates, Costs, and Fees

Langley FCU credit cards feature different Annual Percentage Rates (APRs) for purchases, cash advances, and balance transfers.

These rates may vary based on your credit history, promotional offers, or specific terms. Some cards may require an annual fee, while others may be fee-free. Late payment fees may also apply, so it’s crucial to review the terms and conditions associated with your specific Langley FCU credit card.

How to Apply

Applying for a Langley Federal Credit Union Credit Card is a straightforward process:

  1. Visit the Langley FCU website ( and navigate to the credit card section.
  2. Browse through the available credit card options and select the one that best suits your needs.
  3. Click on the “Apply Now” or “Apply Online” button.
  4. Complete the online application form with accurate personal, employment, and financial information.
  5. Review and submit your application electronically.

Upon approval, you’ll receive your Langley FCU credit card in the mail within a few weeks, along with instructions for activating and utilizing it.

How to Activate the Card

To activate your new Langley Federal Credit Union credit card, simply call the activation phone number provided on the sticker affixed to your card or visit the specified activation website. Follow the prompts to complete the activation process, and your card will be ready for use.

Login Guide:

  1. Visit the Langley FCU website (
  2. Locate the login section, typically labeled “Online Banking” or similar.
  3. Enter your username and password.
  4. Click “Login” to access your account.

If you haven’t registered for online banking yet, click on the “Register” or “Sign Up” option and follow the instructions to create your account credentials.

Forgotten Login Details:

If you’ve forgotten your Langley Federal Credit Union login details, click on the “Forgot Username” or “Forgot Password” link on the login page.

Follow the prompts to verify your identity. Then you’ll be able to reset your username or password and regain access to your account. If you need further assistance, contact Langley FCU customer support for help recovering your login details.

How to Make Payments

Paying your Langley Federal Credit Union credit card bill is a breeze, thanks to the multiple convenient options available. Whether you prefer to make payments from another financial institution or through Langley’s online banking platform, you’ll find a method that suits your needs.

Pay from Another Bank If you’re accustomed to paying your Langley credit card from another bank’s online bill pay system or through recurring payments, you’ll need to ensure that your billing information is up-to-date. Keep in mind that the billing information you need to provide is your Visa account number, not your actual credit card number.

Here’s how to find your Visa account number:

  • Log in to Langley’s online banking portal.
  • Navigate to the “Loans & Credit” section and select your credit card account.
  • Click on the “Details” tab.
  • Look for the 13-digit “Account Number” listed – this is your Visa account number.
  • Use this number to update your bill pay or recurring payment settings at your other financial institution.

By updating your billing information with the correct Visa account number. You’ll ensure that your payments are credited to your Langley credit card account on time, avoiding potential late fees or negative impacts on your credit score.

Pay through Langley’s Online Banking

Langley’s online banking platform offers a seamless experience for making credit card payments directly from your other bank accounts or even your Langley accounts. Here’s how to set it up:

  • Log in to your Langley online banking account.
  • Click on the “Transfers and Loan Payments” tab.
  • Under the “New Transfer” section, click “Add an External Account.”
  • Follow the prompts to link your external bank account.
  • Once your external account is added, initiate a new transfer.
  • Select your external account as the payment source.
  • Choose your Langley credit card as the payment destination.
  • Review the payment details and confirm the transaction.

It’s that simple. With just a few clicks, you can make secure payments toward your Langley credit card balance. Ensure timely payments to avoid unnecessary fees or credit score impacts.

Langley’s online banking platform also provides additional resources and guides to help you navigate the payment process seamlessly. Don’t hesitate to explore these resources or reach out to their customer support team if you have any questions or need further assistance.

Contact Information:

If you have any questions or need assistance, Langley Federal Credit Union offers multiple channels for contacting their customer service team:

  • Phone: 757-827-5328 or 800-826-7490 (Monday – Friday: 8:00 a.m. – 6:00 p.m., Saturday: 8:30 a.m. – 1:00 p.m.)
  • Commercial Lending: 757-224-4777 (Monday – Friday: 8:30 a.m. – 5:00 p.m.)
  • Langley Investment Services: 757-898-0089 (Monday – Friday: 8:30 a.m. – 5:00 p.m.)
  • Langley Insurance Agency: 757-224-4775 (Monday – Friday: 8:30 a.m. – 5:00 p.m.)
  • Mortgage Lending: 833-304-0471 (Monday – Friday: 8:30 a.m. – 5:30 p.m., Saturday: 8:30 a.m. – 1:00 p.m.)
  • Lost or Stolen Cards: 833-978-3924

Mailing Address: Langley Federal Credit Union P.O. Box 120128 Newport News, Virginia 23612


With its compelling cash back rewards, competitive rates, and user-friendly features. The Langley Federal Credit Union Credit Card is an excellent choice for those seeking a rewarding and flexible credit card experience.

Whether you’re looking to earn cash back on everyday purchases or take advantage of exclusive promotions. Langley FCU has you covered. Apply today and unlock the benefits of this exceptional credit card.

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