Personal Loans

A little extra money when you need it.

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

Consolidate Bills
Vacation Expenses
Tuition Assistance

Personal Loans
Qualifying members can borrow up to $30,000 with repayment terms up to 60 months with no collateral required.
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Secured Personal Loans
A secured loan that uses funds on deposit in your share account, share certificate, or money market account as collateral. See today’s rates.
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Emergency Personal Loan
A low interest loan to help get you through life’s unexpected, difficult times. See how.
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Making a personal loan was a great experience at BR Telco. No fees, great rates, and wonderful personal service.

Melissa B., Credit Union member since 2021

See Today’s Rates

PERSONAL LOANS
Terms	Minimum Amount	APR Range
* 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 10.49% APR for 12 months has payments per $1,000 equal to $88.14/month. Quoted rate of 12.49% APR for 60 months has payments per $1,000 equal to $22.49/month.
Terms 12 - 60 months	Minimum Amount $500 - $1,000	APR Range 10.49%* - 12.49%

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 9.90% APR¹. That’s practically unbeatable nationwide.

Explore Visa Credit Cards

Ready to talk about your personal loan?

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.