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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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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 one-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

SHARE & IRA CERTIFICATES

Term

Min. Opening Balance

Min. Balance to Earn Dividends

Rate

APY*

*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.

Term

3 months

Min. Opening Balance

$500

Min. Balance to Earn Dividends

$500

Rate

0.60%

APY*

0.60%

Term

6 months

Min. Opening Balance

$500

Min. Balance to Earn Dividends

$500

Rate

1.74%

APY*

1.75%

Term

1 year

Min. Opening Balance

$500

Min. Balance to Earn Dividends

$500

Rate

2.13%

APY*

2.15%

Term

2 years

Min. Opening Balance

$500

Min. Balance to Earn Dividends

$500

Rate

2.23%

APY*

2.25%

Term

3 years

Min. Opening Balance

$500

Min. Balance to Earn Dividends

$500

Rate

2.33%

APY*

2.35%

Term

4 years

Min. Opening Balance

$500

Min. Balance to Earn Dividends

$500

Rate

2.42%

APY*

2.45%

Term

5 years

Min. Opening Balance

$500

Min. Balance to Earn Dividends

$500

Rate

2.62%

APY*

2.65%

Always 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.

Patrick M., Credit union member since 1996

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.

When opening your new certificate, please indicate that you wish to receive monthly dividend checks. Checks are cut and mailed on the first business day of the month to your address in our system.

Certificates that have matured will automatically renew for the same term at the new APR 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 phone, in person, or by secure chat.

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).

Learn more
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If you’re interested in learning more about our certificates and want to discuss options, complete this short form and a Telco representative will contact you within one business day.

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Premier Interest Checking

Not looking to tie up funds but want a high yield? Our Premier Interest Checking might be a better fit.

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Money Market

Maybe you just want a simple savings for higher balances without a term. We get it.

We’ve got you covered
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