Langley Federal Credit Union

We used Langley because of a dealer, and it was our fourth vehicle being financed. We never had an issue, but it was our first time using Langley. The rates were good, but it was the worst bank to deal with. Then after two years of paying on it, we wanted out of Langley, so they offered a buyback program and said they would pay the Kelley Blue Book value, which is 14k, and we had it paid down close to that, so we agreed. We took it to Loyalty, and they said they would pay 14k, but Langley stated that they only work with CarMax. So we took it to CarMax, then a few days later, we got word they paid 5k for it. I said no, I wanted the truck back. Langley then billed us for the remainder, impacting our credit now, and we had just got it up to buy a home. They then took my fiance's aunt's money out of her account because she banks with Langley. We had to get a lawyer to get them to put that back. Then the truck was listed on CarMax's site for 14k; the truck was selling for 18k at the time, and they had paid 5k after promising several times they would pay the Kelley Blue Book value. We never had debt, and now thanks to them, I do, and it's 10k, and they want the same payment without the truck. Oh, then a month after the truck was gone, they tried to charge us 1500 for not having insurance, but we didn't even have the truck anymore. It took forever to get that resolved. We went back to the same dealership, got a 2023 vehicle, and financed it through Argent Credit Union, and have never been happier. We love Argent, and they are amazing. Don't trust Langley!

I've been a member since 2011. It's okay for them to use my money to lend to others but they never seem to help when I'm in need. I have a small business for which I needed a small loan for expansion. I was promised a callback from the Assistant Branch Manager, which she never made. After a whole lot of rigmarole, I wasn't approved. No worries, I kindly took all my money out and now I bank with another credit union. They definitely don't take care of their customers and loyalty means nothing to them.

Just got hung up on by their representative, pretty shady. I asked for a reduction in my rate, and the rep was rude. Please train your representatives to have class.

Great customer service, easy to work with, have an account with them, they offer everything you need. I do recommend them for any banking needs.

The car dealership had my auto loan approved by Langley within minutes. I returned to a branch to have it refinanced because the interest rates had dropped. The representative assured me I would receive an email from their home office by the end of the day, but it didn't happen. Today is the second day, and there's still no response. When I contacted their representative, Carolyn or Karolyn, she was rude and told me they're not a dealership. The customer service is horrible, and the employees are rude. I do not recommend banking at this place.

In April 2025, I became a member of Langley Federal Credit Union after purchasing a vehicle from an independent dealership in North Carolina. Unfortunately, I quickly discovered that the vehicle had a serious engine problem. I reached out to Langley within a week to stop payment on the loan, but to my dismay, no one was willing to assist me. They continued processing payments to the dealership, leaving me with the burden of staggering repair costs.

Then, in May 2025, I made my first payment and was shocked to find out that a $100,000 HELOC loan had been fraudulently issued in my name, with a staggering $1,000 monthly payment. Initially, I thought I was a victim of identity theft. After a few days, I learned that this was a colossal mistake on the bank's part; a careless loan officer had run my credit report and processed a loan I never authorized. This blunder caused my credit score to plummet by 75 points, and I lost my excellent credit status.

The repercussions were immediate. When I needed to renew my auto insurance in July, I could no longer access the favorable rates I had enjoyed before, despite maintaining a flawless driving record. It became abundantly clear that Langley Federal Credit Union prioritizes profit over customer service. Getting in touch with anyone at the bank was a nightmare, and I ultimately had to visit a local branch to resolve the issue. While the staff at the Short Pump branch were courteous, that's about the only positive thing I can say.

I believe I am owed compensation for the distress and financial damage inflicted by this absurd situation. If you're considering joining Langley Federal Credit Union, I urge you to think twice. As someone who has been a member of several credit unions across the country, I can confidently say that this is not how a new member should be treated. Consumers, beware! Choose a credit union that truly values its members.

Received a call from Jenee. She was so nice and very helpful! Was also understanding of any hardships that I may have had! Good service!

It seems so personal when you try to talk to a representative these days. I have been a member with them for a long time, since 2013, and have been on time with my payments. But if you ask for help, you can forget it. If you need to pay rent or are short on something, they do not help. They don't care; it's a terrible credit union. I just want to pay them off and never deal with them again. They do not care at all about your situation, especially when you have been paying on time. They will not help.

This Credit Union is very inadequate.

My credit score was recently impacted because their online feature deliberately makes it difficult to enable auto payment. I then left the country to mobilize with my Reserve Unit and, while away, had no access to my mailbox. They only sent notices of my missed payments (solely because my auto payment was not set up "correctly") via physical mail, which I could not access while overseas for Reserve Service. I attempted to work with them to help remedy my credit score, but they refused. I now have 80 fewer points on my credit score because I chose to go overseas in service to my country.

They hold money for an extended time to avoid paying out interest. These kinds of banks/credit unions are the first ones I close out. This is the first and last CD/account that I will open with them!

I will never do business with Langley Federal Credit Union again! I don't care if they have the best rates or are the last financial institution on this planet! I will pay higher rates or go without before I give this organization one cent of my money! I do not understand how I can go into a CO-OP Shared branch, they electronically transfer money out of my account to my loan account with Langley, and this isn't a verified transaction? The money is removed instantly from my account, and it instantly pays off the loan, with the loan removed from my portal, yet there is a 10-day hold? Trying to request that when the electronic loan is released to the DMV, to please send it to their Emergency folder, so I can pick up the title in person from the DMV customer service center, to be told by multiple employees, this doesn't qualify as an emergency, despite what the DMV criteria states on their website? Then after explaining it to them, quoting the DMV website, to be told, "Well, I don't know how the DMV operates." If you don't know, then don't tell someone how things work. And if you work in a position that manages processes, then maybe you need to understand the processes before you either tell someone false information or flat out lies! I feel as if I've been run around in circles. Pathetic! I will never recommend this organization to anyone!

Car financed through Langley, never again! Very difficult to speak with a human; the ridiculous automated phone service is so frustrating. When making my initial payments, I had a very hard time talking to someone who could tell me how to do something as simple as making a payment on the website. I spoke with several people who had different views on how to find the "make a payment" on the web page that didn't require clicking on this and that to find the correct make a payment.

I would definitely not recommend this company for your financing needs based on my experience.

Worst Credit Union ever. Two payments that were sent to them never posted. Each time I called, I was given an excuse about the weather or it was probably sitting on someone's desk who was not in that day. No one took responsibility for tracking the payments. Instead, I was given different numbers and told to call to see if they had the check. In both instances, stop payments were issued since Langley couldn't find the check. One check was sent from Bill Pay and the other was sent priority mail from my car dealership. This institution has systemic problems. As soon as the dealership check posts (fingers crossed), I am paying the loan off and will sever ties with Langley completely.

I have amazing credit. I always pay on time and have never missed a payment. They will send you misleading advertisements and "offers" that you won't be eligible for your account. Wasted a hard inquiry for nothing. When I called customer service, the manager Abigail was extremely rude and outright refused to help in any way. If you care about your credit score and interest rates, do not go with this bank. They refused to help the customer in any respect. They even said I would have to pay for them to do anything.

I've banked with Langley Credit Union for 30 years, and they won't let me open a business account because my credit score isn't high enough! That's how much they value their longtime account holders. This bank isn't for the little guys trying to establish something. After 30 years of service with Langley, shaking my head!