Mortgage Loans

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Home Equity

Purchase or Refinance

Open the door to your perfect home, whether you're purchasing for the first time or refinancing to transform your existing home into a place of endless possibilities. Let us make your journey joyful and stress-free!

  • LOCAL & FAST expert decisioning
  • Competitive rates
  • Capped origination fees1
  • No PMI up to 90%
  • Flexible payment options: online, phone, mail, branch, auto-pay

First Time Home Buyer Program

Ready to buy your first home? Our First-Time Homebuyer Program offers flexible financing and expert support to make the process smooth and stress-free. Let’s help you unlock the door to your future!

  • 3% down and finance 97%
  • ‍LOCAL & FAST expert decisioning
  • No PMI up to 90%
  • At least one borrower must be a first-time buyer
  • Home must be a primary residence

Home Loans for Heroes Program

Expressing gratitude for your service and contribution to our nation and local communities, our Home Loans for Heroes Program rewards community heroes and experts with special perks and offers.

  • Little or no down payment2
  • Fixed-rate for 30 years
  • Available for purchases
  • NO prepayment penalty

Land Loans

Whether you're planning to build your forever home, invest in a piece of land, or simply secure your own private oasis, our land loans provide the perfect solution to make it happen.

  • Local expertise and decision making
  • Easy online application
  • Fast approvals and closings
  • Personalized service

Adjustable-Rate Mortgage

Enjoy the benefits of a lower rate and monthly payment with our adjustable-rate mortgage. Ideal for members planning to move, pay off their mortgage soon, or expecting their income to grow over time.

  • Fixed rate for the first five years, then adjusts yearly
  • Adjustments may go up or down
  • Interest rate cap to limit your risk
  • Option to convert to a conventional loan

Rates

Account Type
Rate
APY*
Min. Deposit
Min. Balance to Earn
Loan Type
Max. Term
Min. Loan Amount
Max. Financing
APR as low as*
Loan Type
Max. Term
Max. Financing
Rate
APR as low as*
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Up to $99,999
Max. Term
15 Years
Max. Financing
Up to 97%
Rate
5.625%
APR as low as*
5.852%
$100,000 - $199,999
Max. Term
15 years
Max. Financing
Up to 97%
Rate
5.500%
APR as low as*
5.685%
$200,000 - $806,499
Max. Term
15 years
Max. Financing
Up to 97%
Rate
5.375%
APR as low as*
5.538%
$806,500 - $1,000,000
Max. Term
15 Years
Max. Financing
Up to 97%
Rate
5.625%
APR as low as*
5.778%
Up to $99,999
Max. Term
30 Years
Max. Financing
Up to 97%
Rate
6.250%
APR as low as*
6.378%
$100,000 - $199,999
Max. Term
30 Years
Max. Financing
Up to 97%
Rate
6.125%
APR as low as*
6.229%
$200,000 - $806,499
Max. Term
30 Years
Max. Financing
Up to 97%
Rate
6.000%
APR as low as*
6.092%
$806,500 - $1,000,000
Max. Term
30 Years
Max. Financing
Up to 97%
Rate
6.250%
APR as low as*
6.337%
Land Loan
Max. Term
10 years
Max. Financing
Up to 80%
Rate
7.75%
APR as low as*
8.637%
2nd Mortgage
Max. Term
10 years
Max. Financing
Up to 90%
Rate
7.75%
APR as low as*
8.254%
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Frequently Asked Questions

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  • Competitive interest rates as low as 9.90% APR
  • Low minimum credit lines -- only $500
  • Pay nothing to save with free balance transfers
  • Get approved in days with easy online applications
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Visa Cash Back Credit Card
Visa® Cash Back
  • Competitive interest rates as low as 13.49% APR
  • 2% cash back on all purchases all the time
  • Pay nothing to save with free balance transfers
  • Get approved in days with easy online applications
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More Baton Rouge Telco Products & Services

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Disclosures

1Applies to loans of $400,000 or more

2Low down payment for “community heroes” (Professions including teachers, fire department, law enforcement, nurses, EMTs, and active or former military), up to 99% financing. No down payment is required for “community experts” (Members with select professional designations including CPAs, CFAs, PhDs, Architects, and Actuaries), up to 100% financing. In both cases, the borrower must meet employment eligibility requirements.

*APR = Annual Percentage Rate. All rates, fees, and terms are subject to change, not guaranteed, and are based on credit qualifications and lending guidelines.

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