Bounty

Langley FCU High-Yield Savings bonus: is $250 worth it?

What it adds over what your cash earns now, tier by tier. Change the rate to yours.

+$200: more than leaving it at 4.15%

With $25,000 for 180 days, the tier that adds the most.

With the bonus5.78%
Leave it where it is4.15%

Yearly rate on $25,000 while it's there, bonus included.

Every tier

A smaller tier often wins: less cash away from what it earns now.

  • $5,000
    $50 bonus · 180 days
    +$40
  • $10,000
    $150 bonus · 180 days
    +$130
  • $25,000Best for you
    $250 bonus · 180 days
    +$200

The math

Compared with leaving $25k at 4.15%

Bonus
+$250
Interest while it's there
3.75% for 6 mo
+$462
What it'd earn at home
$25,000 at 4.15% for 6 mo
−$512
Extra
+$200
Works out to 5.8% a year on that cash, vs 4.15% at home.

Average $25,000 from day 1 to day 180 · Open High-Yield Savings within 30 days of establishing membership. Terms checked Oct 10, 2026.

About this bonus

What it takes

  1. 1Average $25,000 from day 1 to day 180
  2. 2Open High-Yield Savings within 30 days of establishing membership
Ends
No end date listed
Where
North Carolina, Virginia
Pays while it's there
3.75% a year
Monthly fee
None
Cash stays
About 180 days
Bonus paid
Usually within 30 days of finishing
Credit check
None

Similar bonuses

The same kind of account, ranked by what each adds at 4.15%.

Questions

Is the Langley FCU High-Yield Savings bonus worth it?

At 4.15%, about what T-bills or a money market fund pay (as of Oct 12, 2026), the $25,000 tier adds +$200: the $250 bonus plus $462 interest, minus the $512 that cash would have earned in 180 days. The $10,000 tier adds +$130. At a different rate the answer changes; the calculator on this page works it out for yours.

What are the requirements?

Average $25,000 from day 1 to day 180; open High-Yield Savings within 30 days of establishing membership. Open to residents of North Carolina, Virginia.

When does it end?

No end date is listed. The terms were last checked Oct 10, 2026.