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Refinance with Telco

Flip Your Rate

Refinancing can get you up to 2% off* your existing auto loan!

Start Saving and Get Rewarded

Right now, when you refinance, you'll get a gas gift card worth up to $100!**

 

See the Savings

Visa® card

$20,000 Balance 

$400 Monthly Payments

APR Total Number of Payments Total Interest Paid
Other Credit Cards 18.00% 94 $17,247
Telco Visa® Gold Card 6.90%¹ 59 $3,562
Savings $13,685

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Home Loan

30 year mortgage, $150,000 borrowed APR Monthly Payment Total Paid w/Interest
Before 5.122% $805.23 $289,883
After Refinancing 4.104%² $716.12 $257,803
Savings $89.11 $32,080

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Auto Loan

60 Months

$30,000 Financed

APR Monthly Payment Total Paid w/Interest
Other Lenders 4.99% $566.00 $33,960
Telco Auto Loan 2.99%³ $538.93 $32,336
Savings   $27.07 $1,624

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Not a Telco member?

Come to one of our four locations to join and sign your loan application.

 

*Offer valid on refinanced vehicles from another financial institution until November 30, 2017. Cannot be applied to a loan that is already funded at Baton Rouge Telco Federal Credit Union. Rates as low as 2.99% APR for 60 months have payments per $1,000 equal to $17.96/month. This rate is Telco’s current rate as of October 2, 2017 and includes a 0.50% discount for members with automatic deduction from a Telco checking account and direct deposit relationship. All rates are subject to creditworthiness. Your rate may differ. Rates can be changed without notice.

**Member needs to refinance between $10,000 - $20,000 to receive $50 Shell Gift Card and more than $20,000 to receive $100 Shell Gift Card.

1. Quoted APR is Telco's current Visa® Gold rate as of April 1, 2017. All rates, terms, and conditions are subject to change (not guaranteed) at any time without notice and are based on credit qualifications and lending guidelines.

2. APR quoted as of April 1, 2017 on 30-Year Fixed First Mortgage (refinance) up to 80% without PMI on amounts of $100,000 to $199,999. All rates, fees, terms are subject to change, not guaranteed, and are based on credit qualifications and lending guidelines. Other rates and terms are available (www.brtelco.org). Contact the credit union for most current rates at (225) 924-8900.

3. Quoted rate for 72 months has payments per $1,000 equal to $15.19/month. This rate is Telco's current rate as of June 1, 2017 and includes a 0.50% discount for members with automatic deduction from a Telco checking account and direct deposit relationship, and a 0.50% Member Loyalty Discount. All rates, terms and conditions are subject to change (not guaranteed) at any time without notice and are based on credit qualifications and lending guidelines.