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Personal Loans

A little extra money when you need it.

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A personal loan is a simple, flexible option that can help when it comes to borrowing money for all of life’s needs.

  • Happy Couple On Couch

    Consolidate Bills

  • People On Vacation

    Vacation Expenses

  • Man Studying

    Tuition Assistance

  • Happy Couple Taking Out Loan

    Personal Loans

    Qualifying members can borrow up to $25,000 with repayment terms up to 48 months with no collateral required.

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  • woman sitting on couch looking pensive

    Secured Personal Loans

    A secured loan that uses funds on deposit in your share account, share certificate, or money market account as collateral.

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See Today’s Rates

PERSONAL LOANS

Maximum Term

Minimum Amount

APR

Discount APR*

* Discount APR applies with (a) automatic deduction from a Baton Rouge Telco Federal Credit Union Checking Account and (b) direct deposit relationship.

Quoted rate of 7.49% APR for 12 months has payments per $1,000 equal to $86.75/month.
Quoted rate of 9.49% APR for 48 months has payments per $1,000 equal to $25.12/month.

Maximum Term

12 months

Minimum Amount

$500

APR

7.99%

Discount APR*

7.49%

Maximum Term

48 months

Minimum Amount

$1,000

APR

9.99%

Discount APR*

9.49%

SECURED PERSONAL LOANS

Type

Maximum Term

Minimum Amount

Maximum Financing Value

APR

Discount APR*

* Discount APR applies with (a) automatic deduction from a Baton Rouge Telco Federal Credit Union Checking Account and (b) direct deposit relationship.
~ Percentage above share certificate rate.

Quoted rate of 2.99% APR for 36 months has payments per $1,000 equal to $29.08/month.
Quoted rate of 3.49% APR for 36 months has payments per $1,000 equal to $29.30/month.
Quoted rate of 7.29% APR for 36 months has payments per $1,000 equal to $31.01/month.
Quoted rate of 8.49% APR for 36 months has payments per $1,000 equal to $15.83/month.

Type

Certificate

Maximum Term

Maturity Balloon

Minimum Amount

$500

Maximum Financing Value

100%

APR

2.99%~

Discount APR*

2.49%~

Type

Savings

Maximum Term

36 Months Balloon

Minimum Amount

$500

Maximum Financing Value

100%

APR

3.49%

Discount APR*

2.99%

Type

Money Market

Maximum Term

36 Months Balloon

Minimum Amount

$500

Maximum Financing Value

100%

APR

3.99%

Discount APR*

3.49%

Type

Stock

Maximum Term

36 Months

Minimum Amount

$5000

Maximum Financing Value

80%

APR

7.79%

Discount APR*

7.29%

Type

Stock

Maximum Term

84 Months

Minimum Amount

$5000

Maximum Financing Value

80%

APR

8.99%

Discount APR*

8.49%

You can pay online, by phone (fee may apply), by mail or at your nearest branch location. You can also set up a recurring automatic withdrawal payment option.

Payments made prior to 4 PM CST on business days will be posted to your account the same day after 5 PM CST. All other payments will be posted to your account the following business day.

We are unable to process loan payments using credit cards, but debit cards are accepted for payment by phone (fees may apply).

Collateral is only required for a share-secured personal loan. This loan uses funds on deposit in your savings account, certificate or money market as collateral.

Premier Interest Checking

If you love our low loan rates, chances are you’ll flip over our high checking rates. We get excited about it, too! Earn 4.00% APY on balances up to $10,000.

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Visa Gold Credit Card

Baton Rouge Telco FCU proudly offers a Visa Gold credit card with rates starting at only 7.90% APR1. That’s practically unbeatable nationwide.

Explore Visa Credit Cards
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Disclosures

These rates are Telco’s current rates. All rates are subject to creditworthiness. Your rate may differ. Rates can change without notice.

1 Quoted APR is Telco’s current rate. 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.