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Credit Cards

Awesome rates, big savings, and simple rewards. We’ve got you.

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  • Telling Girl A Secret

    No Hidden Fees

    No balance transfer fees or annual fees, ever. Who does that?

  • Girl Holding Credit Card

    Safe and Secure

    Visa focuses on security, so you can focus on your finances.

  • Girl Using Laptop

    Convenience and Connectivity

    Link all your Telco accounts together for easy management like payments, overdraft protection and transfers.

  • Apple Pay

    Apple Pay

    Take your Telco Visa with you even if you leave your wallet at home.

  • Giving Out Credit Card

    Instant Issue

    Walk out with your new card the same day! We can print your new Visa in all our branches.

  • Telco Mobile App

    24/7 Access

    Manage your card on the go with free 24/7 account access with Mobile and Online Banking.

  • Best for members who:

    Best for members who:

  • Minimum credit limit

    Minimum credit limit

  • Rate


  • Benefits


Visa Gold

  • Best for members who:

    Want the lowest rate for maximum savings

  • Minimum credit limit


  • Rate

    9.90% APR1

  • Benefits

    Transfer balances from high-rate credit cards and save

Visa Cashback


  • Best for members who:

    Love cash back and rewards

  • Minimum credit limit


  • Rate

    13.49% APR2

  • Benefits

    Earn 2% unlimited cash back on every purchase

Visa Secured

  • Best for members who:

    Want to establish or rebuild credit

  • Minimum credit limit


  • Rate

    9.90% APR1

  • Benefits

    Securely establish or rebuild your credit history with a great rate

Credit cards are helpful and easy to use. Sometimes too easy! If your balance has gotten a little too high on a high rate card, we can help. Whether it’s the result of a shopping spree or a large emergency purchase, let us ease the burden of a high interest credit card with a simple balance transfer to a BR Telco Federal Credit Union credit card.


  • How It Works

    Everyone’s situation is different, and we will guide you through transferring your balance to a BR Telco credit card. Let’s find an option that suits your needs with a lower interest rate so you can start knocking down that debt!

  • What You Need Before Transferring Your Balance

    • Must be a current BR Telco member. Joining is easy! Simply apply for membership at the same time as applying for your new credit card.
    • Have already opened a BR Telco Visa Gold or Cash Back credit card.
    • Have to know the balance of the credit card(s) you wish to transfer.

Yes, you must be a member to enjoy our credit card offers and low rates, but joining is easy! You can apply for membership online at the same time as applying for your new credit card. Simply follow the steps in our credit card application form. Once you become a member, you’ll be able to enjoy lower fees, competitive rates, and all the perks that come with membership.

Membership is open to anyone that lives, works, or attends school in one of the following parishes:

  • Ascension
  • East Baton Rouge
  • East Feliciana
  • Iberville
  • Livingston
  • Pointe Coupee
  • Saint Helena
  • Tangipahoa
  • West Baton Rouge
  • West Feliciana

If you’re an immediate family member of an existing BR Telco member, you’re welcome to join, no matter where you live! We consider immediate family parents, children, siblings, grandparents, grandchildren, stepparents, and stepchildren.

Zero. Zip. Nada. We offer no-fee balance transfers for all of our cards.

No, but our gimmick-free credit cards offer something better – low interest rates all the time, no balance transfer or annual fees and no confusing promotional periods.

Yes, you can save money on your auto rental coverage by saying no at the counter. Rent with your covered Baton Rouge Telco Visa Gold or Cash Back card and get built in Auto Rental Coverage. To learn more about this benefit or to file a claim, go to, call 800-348-8472 or call collect 804-673-1164 (outside the US). Certain terms, conditions and exclusions apply. In order for coverage to apply, you must use your covered Baton Rouge Telco Visa Gold or Cash Back card to secure transactions. Please refer to your Guide to Benefits for further details.

Plus, we offer Roadside Dispatch. It’s a pay-per-use roadside assistance program that provides you with security and convenience wherever your travels take you. Dependable roadside assistance, 24/7. No membership or pre-enrollment is required. Click here for more info.

Premier Interest Checking

If you love our low Visa rates, chances are you’ll flip over our high checking rates. We get excited about it, too! Earn 5.55% APY on balances up to $10,000.

Tell Me More

Mobile Banking

Put the credit union in the palm of your hand (or pocket of your purse) with our Mobile Banking app.

Learn More
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1 Quoted APR is Telco’s current rate.

2 Quoted APR is Telco’s current rate. Cash Back Card rate is a variable rate tied to prime rate and can be adjusted every year.

All rates, terms, and conditions are subject to change and are based on creditworthiness. Low minimum monthly payment of only 2% of balance or $10 (whichever is greater). Cash advance fee of $10.00 or 2% of the amount of each cash advance (whichever is greater). Overdraft Protection Fee: $5.00 per transfer — if you opted to use the LOC as a transfer source. Account Transfer Fee: $10.00 or 2%, whichever is greater, per transaction. This includes any transfer of funds from the LOC to an account, either in person or electronically.

See our Visa Disclosure for additional information.