Certificates

Flexible certificate options that pay you returns you deserve. With all the security that you need.

Share Certificates

Earn a guaranteed rate of return with this secure savings option. Our Share Certificates are just like Certificates of Deposit (CDs) but with the added benefits of Telco membership. 

  • Earn a higher dividend rate than a Savings or Money Market Account
  • Terms from 3 months to 5 years
  • $500 minimum balance
  • Dividends compounded daily and credited monthly
  • Exchange your rate for an even higher rate once during the term on a 2 to 5-year certificate with the step-up option
  • Automatic renewal at maturity
  • Subject to early withdrawal penalties
  • Federally insured by NCUA up to $250,000
  • Free 24/7 account access using Mobile & Online Banking and MANDI
  • Free access to eStatements

IRA Certificates

Combine the steady growth of a Share Certificate with the tax advantages of an Individual Retirement Account (IRA) and all with the added benefits of Telco membership. Choose from Traditional, Roth or Coverdell IRA for maximum benefits. IRA Certificates may provide tax-deferred or tax-free savings. We recommend that you consult with your tax advisor for individual eligibility. 

  • Earn a higher dividend rate than the IRA Savings Account
  • Terms from 3 months to 5 years
  • $500 minimum balance
  • Subject to early withdrawal penalties
  • Federally insured by NCUA up to $250,000
  • Free 24/7 account access using Mobile & Online Banking and MANDI
  • Free access to eStatements

Visit any Telco location today to get started or complete the form below and a Telco representative will call you back.
 

Interested? We’ll Call You.


 

Rates

Effective Date: November 1, 2017

Share or IRA Certificates**Minimum Opening BalanceMinimum Balance to Earn DividendsRateAPY*
3 Month Certificate$500$5000.25%0.25%
6 Month Certificate$500$5000.65%0.65%
1 Year Certificate$500$5001.00%1.00%
2 Year Certificate$500$5001.59%1.60%
3 Year Certificate$500$5001.64%1.65%
4 Year Certificate$500$5001.74%1.75%
5 Year Certificate$500$5001.98%2.00%

*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.

** Member may exchange the existing rate for the current rate once during the term of a 2, 3, 4, or 5 year certificate. The original maturity date does not change. Fees and conditions may reduce earning on the account.