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									                                       Leader          Win with
                                                                              Save money on
                                                                              your auto and
                                                                                                Second Quarter 2011
                                                                                                         Get your home
                                                                                                         equity line of credit
                                                                              car insurance.             at LFCU.

you could be a

                LangLey FCU teams Up with Casey honda
As part of LFCU’s 75th Anniversary, we are giving away a 2011 honda CR-Z hybrid donated by Casey honda. Anyone
enrolled in Smart Checking with eStatements is eligible to win. If you currently do not have Smart Checking and
eStatements, now is the perfect time to sign up!

The contest is a fun way to encourage current and potential members to “go green” by switching from paper statements
delivered by mail to paperless eStatements delivered by email. The change is both easier on the environment and saves the
Credit Union money. Paper statements are more than three times as costly as eStatements.

                                       the 2011 honda CR-Z hybrid was donated by Casey
                                       honda, one of Virginia’s largest car dealers. to learn
                                       more about the honda giveaway, visit

                                       You may end up with the keys to a brand new Honda
                                       CR-Z from Casey Honda!
From the President
                                 April marks the 75th               they could have envisioned what has come to be one of the
                                 Anniversary of Langley Federal     country’s top 100 credit unions, but there is no doubt that the
                                 Credit Union. As this milestone    same dedication, imagination, and integrity that characterized
                                 approaches I am reminded of        the people who built the space program also influenced the
                                 what it is that keeps our Credit   character of our Credit Union.
                                 Union thriving. From its modest
                                 beginnings seventy five years      Our commitment to responsible stewardship of our members'
                                 ago in a small office at NASA      credit union is ongoing. That is why we have begun a new
                                 to the present, Langley has        effort to encourage current and potential members to “go
                                 always put you, the member,        green” by switching from paper statements delivered by mail
                                 as our first priority. This        to paperless eStatements delivered by email. To draw attention
                                 commitment to deliver each         to this eco-friendly message, Langley is giving away a 2011
                                 and every member world-class       Honda CR-Z hybrid donated by Casey Honda. Anyone with a
service is characteristic of who we are as a Credit Union. But      Smart Checking account with eStatements, whether a current or
where did that character come from?                                 new member, is eligible to win.

On April 17, 1936, 25 members of the National Advisory              I am looking forward to seeing many of you at our Annual
Committee for Aeronautics (later to become NASA) each               Meeting. As always, thank you for your continued loyalty to
deposited $1 to cover the chartering fee for what they              Langley Federal Credit Union. It's our privilege to serve you.
imagined could be a financial institution they could call their
own – a Credit Union. At that time, the assets totaled $250,
and the first office was a room donated by NACA. It is doubtful

                                               Member Education Seminars
                                              We encourage you to take advantage of our educational seminars. They are held at LFCU’s
                                              Member Education Center in the Oyster Point Branch, 11742 Jefferson Avenue, Suite 110,
                                              Newport News, Virginia. Register by calling Kitty Simon, Director of Member Education, at
                                              757-825-7112 or online at For course descriptions,
                                              please visit the LFCU website.

                                               TOPIC/OVERVIEW                                  DATE               TIME

                                               Car Buying Seminar                              April 21st         6:30 p.m. - 7:30 p.m.

                                               Homeownership Seminar                           April 30th         8:30 a.m. - 3:00 p.m.

                                               Long Term Care                                  May 5th            6:30 p.m. - 7:30 p.m.

                                               Understanding Your Social Security Benefits     June 2nd           6:30 p.m. - 7:30 p.m.

                                               Get It Together: Organize Your                  June 16th          6:30 p.m. - 8:00 p.m.
                                               Financial Records
                                                Coming Soon...                                                       AARP Driver Safety Class
                                                                                                                     Join AARP Instructor, Paul Sanborn, to
                                                                                                                     learn about current rules of the road, how to
                                                                                                                     safely operate your vehicle, and adjusting
                                                                                                                     to common age-related changes in vision,
                                                                                                                     hearing and reaction time.

Leading The Way For 75 Years!                                                                                           April 11th and 12th
                                                                                                                        9:00 a.m. to 1:00 p.m. both days
Stop in for light refreshments at your
                                                LFCU’s MasterCard® Debit Card will soon                                 Member Education Center,
nearest LFCU branch on Monday,
                                                have a whole new look. Members whose                                    Oyster Point Branch: 11742
April 18th in celebration of our 75th
                                                cards expire will automatically receive this                            Jefferson Avenue, Newport News
                                                new card design.
                                                                                                                     There is a course fee of only $12 (payable
New Saturday Hours for                          National Credit Union                                                to AARP on the day of the class) for AARP
Contact Center                                  Youth Week                                                           members; $14 for non-AARP members.
As of April 2, 2011, LFCU’s Contact             Save at LFCU and you could win                                       LFCU members are given first preference
Center closes at 5:00 p.m. on                   up to $200!*                                                         on seating.
Saturdays. The new hours are 8:30 a.m.
                                                Make saving at the credit union a habit                              Upon completion of the AARP Driver Safety
to 7:00 p.m. Monday through Friday, and
                                                this April and join the saving team. Make a                          Program classroom course, you may
8:30 a.m. to 5:00 p.m. Saturday.
                                                deposit to a Constellation Club account (or                          be eligible for an automobile insurance
LFCU Teaching Kids                              open a new one) during Youth Week, April                             premium reduction or discount. Please
to Save                                         17 - 23, 2011 to participate in the National                         consult with your insurance company or
                                                Youth Saving Challenge.**                                            agent for further details.
                                                Ten young savers will be selected                                    Call Kitty Simon, Director of Member
                                                nationwide to each win $100. To be eligible,                         Education, at 825-7112 or register online
                                                simply make a deposit into your savings                              at:
                                                account at any LFCU branch location
                                                during the month of April. Plus, courtesy                            CU Day In Richmond
                                                of LFCU, you’ll also be registered for a
                                                chance to win a $100 share deposit.

                                                * LFCU Saving Challenge Rules: Open to all youth under age
                                                18 who visit a participating credit union during regular busi-
LFCU and York Middle School held a              ness hours in April. While youth are encouraged to make a
ribbon cutting ceremony for the newly           deposit at the credit union, no deposit is required to enter Limit
                                                one entry per person. All entries must be submitted between
constructed mini-branch on February 4th.        April 1 - 30, 2011. LFCU will draw winners on 05/05/11 and
                                                will notify winners by mail. The odds of winning depend on
With the addition of York Middle School,        entries received.
                                                                                                                     Credit Union representatives pose with Delegate
                                                                                                                     Jeion Ward (second from right).
there are now eight in-school savings
                                                ** National Youth Saving Challenge Rules: The National Youth
programs within the community. York is the      Saving Challenge is open to all youth under age 18 who visit         Staff from Langley and other local credit
only non-elementary school to partner with      a participating credit union during regular business hours in        unions participated in Credit Union General
                                                April. While youth are encouraged to make a deposit at the
LFCU. The mini-branches were created to         credit union, no deposit is required to enter. Those parents/        Assembly Day in Richmond on January
encourage children to save on a regular         guardians giving permission for their youth to enter can submit      19th. The day was coordinated by the
                                                on a 3” x 5” piece of paper the following information to the
basis and develop the habit of saving.                                                                               Virginia Credit Union League as a way for
                                                credit union. Name, date of visit, current age, and amount de-
                                                posited that day. Limit one entry per person. On May 5, 2011,        credit unions to network with each other in
Students also count and verify their            the Credit Union National Association (CUNA) will randomly           addition to meeting and speaking with their
                                                select and give ten (10) $100 awards to 10 participating credit
deposits and learn the process of recording     unions. The odds of receiving the $100 will depend on the            representatives about financial literacy and
transactions in their savings book registers.   number of entrants. This award is void where prohibited.             other financial topics.
Want to Save Money on Your
Auto & Home Insurance?
No gimmicks…just great prices.
At Langley Financial Insurance Agency, we are always looking for ways to save
you money on auto and home insurance. We take great pride in teaming with
insurance companies known for their financial strength and quality service. We
don’t use gimmicks to grab your attention. We don’t need to. Our prices and
service say it all. Our licensed staff is continually seeking innovative approaches
to reduce the cost of insurance protection, while designing a policy that will meet
your specific needs. Your credit union membership affords you the opportunity to
take advantage of this personalized service – conveniently – while you take care
of the rest of your credit union business.

Whether you are buying your first car or home or just comparing prices, Langley
Financial Insurance Agency can find the right policy to meet your individual needs.

Want to learn more? For a FREE no obligation quote, call 757-224-4775,
800-826-7490 or visit and receive an instant quote.

One member said, “I let another major insurance
company quote my combined car and home
insurance, and they came in far higher than
Langley Financial Insurance Agency.”
                                                                                      Insurance available for Virginia residents only

  Fraud/Scam                    MONITOR:
                                                                             Notice – Credit Union Members
  How Much Security Is Enough?
                                                                             The Langley Federal Credit Union (LFCU) Supervisory
                                                                             Committee has the responsibility to ensure that
  LFCU INFOSEC Officer Toy Kincer offers the following                       management’s financial reporting objectives have been
  tips for protecting your personal information from                         met and that management’s practices and procedures
  identity thieves:                                                          are adequate to safeguard members’ assets. LFCU also
                                                                             has a full-time Risk Management Department, which
  • Set up a firewall between your computer and the Internet.                works each day to ensure that the Credit Union is safe
  • Install an antivirus/spyware program on your computer, use               and sound. The Supervisory Committee has established
    it regularly, and keep it updated!                                       procedures to investigate member concerns and a
  • Never publish private, personal information about yourself on            means for members to report them.
    a social networking site.
  • Minimize the amount of private, personal information you                 You may send a letter to the Supervisory Committee
    discuss, transmit, or store in your cell phone.                          at the address below, or send us an email at
                                                                    Please include your
  • Make your passwords complex with a minimum of 7
                                                                             name, address, and telephone number on all
    characters, combining upper and lower case letters,
    numbers and special characters….for example,                             correspondence. We will investigate and respond
    “PASSWORD” could become “p@S5w0Rd.” And keep                             to your concerns as quickly as possible.
    them private.
  NEXT LEADER: Know the difference between “fishing”                                      LFCU Supervisory Committee
  and “phishing.”                                                                              P.O. Box 120107
                                                                                           Newport News, VA 23612
            CYBER News
                WIN WITH eSTATEMENTS!

      If you are not already receiving eStatements, now is the
      perfect time to sign up! With eStatements you can view,
      download and print your monthly statements online.
      eStatements are highly secure and help save resources
      so we can pass on more savings to you, as paper
      statements cost more than 3 times as much as
      eStatements to deliver. Plus, they're environmentally
      friendly–less paper saves trees! We even archive up to
      two years of your statements online for easy reference.

      As you may have read on the cover, we are giving away
      a 2011 Honda CR-Z hybrid donated by Casey Honda as
      part of LFCU’s 75th Anniversary. Anyone with a Smart
      Checking account with eStatements is eligible to win.
      So simplify your life, save postage and trees – sign up
      for your eStatements today!                                      Planning to
      To learn more about                                              travel abroad?
      eStatements and the                                              Members traveling abroad need to be aware of
      Honda giveaway, visit                                            how fraudulent activity in some foreign countries can                                                    affect their ability to perform electronic transactions.
                                                                       The following conditions are currently in effect:

Watch Regulation D                                                     1) Transactions at ATMs not to exceed $205 per day
                                                                          will be approved, but all LFCU Credit/Debit/ATM

Transactions                                                              card POS transactions will not be approved when
                                                                          they originate in the following countries:

Federal Regulation D limits you to six electronic transfers or           ·   Israel
automatic payments from shares each month. Transactions                  ·   Japan
falling under Reg. D include:                                            ·   South Korea
                                                                         ·   Malaysia
• CHIPS transfers from shares
• Preauthorized payments from shares, such as mortgages,               2) ATM/POS (PIN based) transactions on ATM/Debit
  insurance, etc.                                                         cards will not be approved in the countries below:
• Telephone transfers from shares                                        · Bulgaria
• Transfers from shares to cover overdrafts                              · Romania
• L@ngley Link (on-line account access) transfers from shares
• Faxed share withdrawal requests                                      3) All Credit card, Debit card, and ATM card transactions
                                                                          will not be approved in the following countries until
Once you have reached your six (6) per month limit, we cannot             further notice:
execute further transactions as listed above. You will still be able
                                                                         · Myanmar (Burma)
to make transfers in person, by written request and by ATM. If
                                                                         · Cuba
your transactions exceed six per month, a transfer from shares
                                                                         · Iran
to cover an overdraft will not be completed. The check will be
marked “Non-Sufficient Funds” and a NSF fee charged. To
avoid this, Langley Federal offers a line of credit as overdraft       How We Can Help
protection. Transfers from the line of credit to cover                 If you are traveling to the countries listed under #1 or
overdrafts are not counted under Regulation D. To apply,               #2 and expect to use your LFCU Credit/Debit/ATM card,
call (757) 827-EASY (3279) or (800) 588-EASY (3279).                   please call 757-825-7101 or 1-800-826-7490, extension
                                                                       7101. We will temporarily recode your account, allowing
Please watch the number of electronic share transfers on your          you usage in those countries during your limited days
account. If you have any questions concerning this topic, please       of travel.
call (757) 827-LFCU (5328) or (800) 826-7490.
                                                                                                              Get your HOME EQUITY
                                                                                                             LINE OF CREDIT at LFCU

                                                                                                                         3.50                   No Closing Costs**
                                                                                                                                Introductory Rate (through 12/31/11)

                                                                                                     LFCU also o ers great new rates on our Fixed 5-Year Quick and 2nd Year Mortgage products.

Stop thinking.                                                                                                                           *Introductory rate of 3.50% available on new loans of $15,000 or
                                                                                                                                         more with a minimum $10,000 advance and Loan-To-Value of

Start doing.                                                                                                                             80% or less through December 31, 2011. On January 1, 2012, the
                                                                                                                                         introductory rate will revert to the rate or Prime +1% or Prime
                                                                                                                                         +2%. O er applies to rate of either Prime + 0%, for Premier
                                                                                                                                         members, new loans only and excludes existing LFCU balances.
If you’re ready to take that well-deserved vacation,                                                                                        e interest rate on the line of credit is variable based on the
make home improvements, consolidate debt or fund a                                                                                       Prime Rate published in the money rate column of the Wall Street
college education, we have solutions.                                                                                                    Journal — currently 3.25% APR — plus a margin and is subject to
                                                                                                                                         change. Floor of 5.25% APR, ceiling of 15% APR. Property
                                                                                                                                         insurance required. Premier discount does not apply to
                                                                                                                                         promotional rate. Some restrictions may apply. Membership
APPLY TODAY:                                                                                                                             eligibility required.
Visit one of our 19 convenient branch locations
                                                                                                                                         **We’ll pick up the closing costs typical to the Hampton Roads
Call 757-827-LFCU/800-826-7490                                                                                                           area on lines of $15,000 or more with an initial advance of
Click                                                                                                                    $10,000. A no annual fee VISA Gold Card is o ered with the
                                                                                                                                         HELOC featuring a limit up to $20,000. Your credit limit is based
                                                                                                                                         on your home’s value, less any mortgage balance or balances.
                                                                                                                                         Possible tax advantages. Consult your tax advisor for details.

HOLIDAY CLOSINGS                                                                   ♦ COLISEUM                                                        GENERAL INFORMATION
                                                                                     1055 W. Mercury Blvd., Hampton
♦ MONDAY, MAY 30TH - Memorial Day                                                                                                                    PHONES, LOCAL
                                                                                   ♦ DENBIGH                                                           Contact Center...................................757-827-LFCU
♦ MONDAY, JULY 4TH - Independence Day                                                12644 Jefferson Ave., Newport News                                Phone Loans......................................757-827-EASY
                                                                                   ♦ EAGLE HARBOR                                                      CHIPS...............................................757-827-9434

BOARD OF DIRECTORS                                                                   13478 Carrollton Blvd., Unit A Carrollton
                                                                                   ♦ HAYES
                                                                                                                                                       Langley Financial Services, LLC........757-898-0089
Richard A. Biege......................................................Chairman       3140 George Wash. Mem. Hwy., Hayes                              PHONES, TOLL-FREE
Peter A. Morley (CMSgt. USAF-Ret.)..............Vice Chairman                      ♦ NASA                                                              Main.....................................................800-826-7490
                                                                                     Bldg. 1310 LaRC, Hampton                                          CHIPS..................................................800-233-2819
Jean M. Yokum........................................................Treasurer
                                                                                   ♦ OYSTER POINT                                                      Phone Loans.......................................800-588-EASY
George R. Hayes.....................................................Secretary        11742 Jefferson Avenue, Newport News                            ADDRESS
William E. Griffith, Jr.................................Assistant Secretary        ♦ POQUOSON                                                          P.O. Box 7463, Hampton, VA 23666
Buena E. Crawford.....................................................Director       415 Wythe Creek Rd., Poquoson                                   WEBSITE
Bruce R. Hoogstraten...............................................Director        ♦ STONEYBROOK                                             
                                                                                     15463 Warwick Blvd., Newport News
R. Lester Wingrove, Jr................................................Director
                                                                                   ♦ WARDS CORNER
Joyce M. Wright.........................................................Director     7420 Granby Street, Norfolk                                     CORE VALUES
                                                                                   ♦ WARWICK                                                         Ethics ⋅ Accountability ⋅ Loyalty ⋅ Passion ⋅ Honesty
                                                                                     11107 Warwick Blvd., Newport News
BRANCH LOCATIONS                                                                   ♦ WILLIAMSBURG CITY
♦ ABERDEEN                                                                           1222 Richmond Road, Unit 16, Williamsburg
  409 Aberdeen Rd., Hampton                                                        ♦ WILLIAMSBURG NEW TOWN
♦ AIR FORCE                                                                          5220 Monticello Avenue, Williamsburg
  Building 467, LAFB, Hampton                                                      ♦ WILLOW OAKS
♦ CHESAPEAKE CROSSROADS                                                              225 Fox Hill Road, Suite D5, Hampton
  4107 Portsmouth Blvd., Ste 114, Chesapeake                                       ♦ YORKTOWN
♦ CITY CENTER                                                                        4822 George Washington Memorial Highway, Grafton
  721 Lakefront Commons, Newport News
♦ COAST GUARD                                                                      For a complete list of Credit Union Service Centers, visit
  USCG Tracen, Building 46, Yorktown                                                                              Federally insured by NCUA

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