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Flip Your Rate

You'll love your car more when it costs you less.

Refinance and save up to 1% off* your existing auto loan.

If you got your Auto Loan somewhere else at a much higher rate, we can probably reduce your payment. With our Auto Refinance Program, our members can always save up to 1% off an existing non-Telco auto loan.

Right now, when you refinance before March 30th, you'll also get a free gas card valued at 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

Rates Comparison Calculator


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

Rates Comparison Calculator


Auto Loan

60 Months

$25,000 Financed

APR Monthly Payment Savings
Baton Rouge Telco 2.99% $449.11  
Other Lender 3.99% $460.30 $671.40
Other Lender 4.99% $471.67 $1,353.60
Other Lender 5.99% $483.20 $2,045.40
Other Lender 6.99% $494.91 $2,748.00

Rates Comparison Calculator


Not a Telco member?

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


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 ( Contact the credit union for most current rates at (225) 924-8900.

*Offer valid on refinanced vehicles from another financial institution until December 31, 2018. 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 March 1, 2018, 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. Gift card offer good until March 30, 2018.