two smiling ladies riding in a convertible car with the top down and the sun setting behind them

Auto Loan Rates

Apply Now

Auto Purchase or Refinance Loan Rates

AUTO PURCHASE OR REFINANCE

Year and Type

Maximum Term

Minimum Loan 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.

Quoted rate of 3.99% APR for 60 months has payments per $1,000 equal to $18.41/month.
Quoted rate of 4.24% APR for 72 months has payments per $1,000 equal to $15.75/month.
Quoted rate of 4.99% APR for 84 months has payments per $1,000 equal to $14.13/month.
Quoted rate of 5.24% APR for 60 months has payments per $1,000 equal to $18.98/month.
Quoted rate of 6.24% APR for 60 months has payments per $1,000 equal to $19.44/month.

Member Loyalty Discount – Members may receive up to an extra 0.5% discount off their auto loan rate.

  • Members with 4 or more years of membership receive a 0.25% discount
  • Members with 4 or more active CORE products receive a 0.25% discount
  • CORE products = Share Draft, Opt-In, Share Certificate, IRA, 1st Mortgage, VISA

Year and Type

2023 - 2019 New or Used

Maximum Term

60 Months

Minimum Loan Amount

$500

Maximum Financing Value

125%

APR

4.49%

Discount APR*

3.99%

Year and Type

2023 - 2019 New or Used

Maximum Term

72 Months

Minimum Loan Amount

$15,000

Maximum Financing Value

125%

APR

4.74%

Discount APR*

4.24%

Year and Type

2023 - 2020 New or Used

Maximum Term

84 Months

Minimum Loan Amount

$30,000

Maximum Financing Value

125%

APR

5.49%

Discount APR*

4.99%

Year and Type

2018 - 2016 Used

Maximum Term

60 Months

Minimum Loan Amount

$500

Maximum Financing Value

125%

APR

5.74%

Discount APR*

5.24%

Year and Type

2015 - 2013 Used

Maximum Term

60 Months

Minimum Loan Amount

$500

Maximum Financing Value

125%

APR

6.74%

Discount APR*

6.24%

Apply Now

Estimate Your Monthly Auto Loan Payments

See how affordable it can be to finance an auto with us. Enter the vehicle’s purchase price, sales tax, and any rebate or trade-in, and we’ll tell you how much you can expect your monthly payment to be.

Back to Top

We’re here to be more than just your financial institution. We want to be a life-long partner that shares expert financial guidance so you can make the best decisions for yourself and your family. Here are a few auto loan resources, and you can always find more on our blog and in our financial education center.

  • What’s a Good APR for a Car Loan?

    Learn how your credit score and the type of vehicle you are purchasing can affect your loan conditions and APR.

    Learn More

  • First-Time Car Buyers Guide to Car Loans

    Learn how a car loan works, the difference between buying a new and a used car, why you should get pre-approved, and so much more.

    Learn More

  • Leasing vs Buying a Car: What’s Right For You?

    Find out the pros and cons of buying and leasing a car, including the long-term costs, conveniences, and more.

    Learn More

Disclosures

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