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Low rate. High reward.

Cash back AND a low rate? With Baton Rouge Telco Federal Credit Union, members get the best of BOTH! Reward yourself for everyday purchases with our unlimited 1% Cash Back Visa® with rates as low as 10.49% APR.*

Cash back not your thing? An even LOWER rate sounds better? Members can take advantage of one of the best deals around with our 7.90% APR** Visa® Gold card. There is no wrong choice.

Members Enjoy

  • Rates as low as 7.90%** APR for the life of the balance transferred
  • No balance transfer fees
  • No annual fees
  • Free 24/7 Real Time Fraud Monitoring
  • Free 24/7 account access using our Mobile & Online Banking and MANDI
  • apple pay logo

Visa® Cash Back

Unlimited 1% cash back on everything you purchase -- no matter when or where you buy it! There are no points to trade in or expire, and there is no cap to what you can earn back. Rates starting at 10.49% APR.*

Apply Now See Rates

Visa® Gold

Refinance your higher interest cards or use for everyday charges to save money with our low rates! Rates starting at 7.90% APR.**  

Apply Now See Rates

Visa® Secured 

Help build or rebuild your credit. Rates starting at 7.90% APR.**

Apply Now See Rates

Or, visit any Telco location to apply.

Telco requires a copy of current pay stub(s) and an original signature on file before your account is established.

For more details regarding all of our credit card options, please review our  Visa® Application and Solicitation Disclosure 

Managing Your Visa® Card

Access all of the resources you need for your current Visa® credit or debit card.


For complete rates, terms and conditions, see a Telco team member.

*Quoted APR is Telco's current rate as of January 5, 2019. Cash Back Card rate is a variable rate tied to prime rate and can be adjusted every year.
**Quoted APR is Telco’s current rate as of August 1, 2019. 
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.