Certificates and IRAs
Whether you’re saving for retirement or just a rainy day, we have a variety of options to fit your saving goals.
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Certificates
Choose the term that better suits your savings goals; then, you can relax and watch your money grow in your account until the maturity date.
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IRAs
Saving for retirement is easier than ever with our IRA options. With these high-yield IRAs, you can effortlessly meet and exceed your savings goals.
Keep your safety net safe with a guaranteed return
We offer a variety of certificate options that pay you the returns you deserve.
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High Yields
We don’t like to brag (yeah we do), but we’ve got some of the best rates in town.
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Step-Up Options
All of our 2+ year certificates have an option for two-time step up. Plus, you get to keep the same maturity date.
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Flexibility for Retirement
All certificates are also offered for Traditional or Roth IRAs.
See Today’s Rates
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Term |
Min. Opening Balance |
Min. Balance to Earn Dividends |
Rate |
APY* |
|---|---|---|---|---|
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*APY = Annual Percentage Yield. Dividend rates are subject to change without notice. Dividends are posted monthly based on the daily balance and compounded monthly. Baton Rouge Telco Federal Credit Union Share Certificate rates are variable rate accounts and are subject to change at any time. Rates are not guaranteed. Penalties for early withdrawals may apply. |
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Term 3 months |
Min. Opening Balance $500 |
Min. Balance to Earn Dividends $500 |
Rate 1.98% |
APY* 2.00% |
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Term 6 months |
Min. Opening Balance $500 |
Min. Balance to Earn Dividends $500 |
Rate 2.47% |
APY* 2.50% |
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Term 1 year |
Min. Opening Balance $500 |
Min. Balance to Earn Dividends $500 |
Rate 3.45% |
APY* 3.50% |
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Term 2 years |
Min. Opening Balance $500 |
Min. Balance to Earn Dividends $500 |
Rate 4.41% |
APY* 4.50% |
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Term 3 years |
Min. Opening Balance $500 |
Min. Balance to Earn Dividends $500 |
Rate 3.45% |
APY* 3.50% |
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Term 4 years |
Min. Opening Balance $500 |
Min. Balance to Earn Dividends $500 |
Rate 3.69% |
APY* 3.75% |
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Term 5 years |
Min. Opening Balance $500 |
Min. Balance to Earn Dividends $500 |
Rate 3.93% |
APY* 4.00% |
Certificates & IRAs Resources to Help You Get Started
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Retirement & Savings Calculators
Calculate how much an IRA could earn you for retirement, how long your retirement funds would last, and much more with our retirement and savings calculators.
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Free Financial Counseling
Our certified experts can help you navigate difficult financial situations to ensure you gain control of your financial future.
Patrick M., Credit union member since 1996Always smiling faces when you walk in the door. The folks here are very helpful and take care of what you need. Couldn’t ask for a better place to take care of my banking needs.
Certificate and IRA FAQs
Dividends are paid monthly to your certificate account on the last day of the month, when compounded, or transferred monthly to other share accounts of your choosing.
We no longer offer the option for members to receive a paper check for dividend payments. All dividends will be electronically deposited into your designated account.
Certificates that have matured will automatically renew for the same term at the new APY if we are not notified in advance. However, you have a 10-day grace period to close, withdraw funds, or transfer to a new certificate after maturity. This can be done by calling or texting us, or visiting a branch.
Calculate your Gains
You might also be interested in
Premier Interest Checking
Not looking to tie up funds but want a high yield? Our Premier Interest Checking might be a better fit.
Money Market
Maybe you just want a simple savings for higher balances without a term. We get it.
Open an account
Safety first
Your money is safe and secure at Baton Rouge Telco Federal Credit Union with savings federally insured to at least $250,000 and backed by the full faith and credit of the United States Government through the National Credit Union Administration (NCUA).
