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Rates & Rewards

Rewards

Would you like to know how you can get a better rate on auto financing? The length of your membership and/or the number of CORE products you have with Telco can help.

Member Loyalty Discount
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CHECKING

Product

Min. Opening Balance

Min. Balance to Earn Dividends

Rate

APY*

*APY = Annual Percentage Yield. Dividend rates are subject to change without notice. Dividends are posted monthly based on the daily balance and compounded monthly. Baton Rouge Telco Federal Credit Union Share Certificate rates are variable rate accounts and are subject to change at any time. Rates are not guaranteed. Penalties for early withdrawals may apply.

** Dividend rate applicable to balances up to $10,000.

***To qualify for higher dividend rate, you must meet the monthly qualifications.

Product

Elite Checking

Min. Opening Balance

$5

Min. Balance to Earn Dividends

$2,500

Rate

0.05%

APY*

0.05%

Product

Student Checking

Min. Opening Balance

$5

Min. Balance to Earn Dividends

$0.01

Rate

0.50%

APY*

0.50%**

Product

Premier Interest Checking

Min. Opening Balance

$5

Min. Balance to Earn Dividends

$0.01

Rate

5.41%***

APY*

5.55%***

SAVINGS

Product

Min. Opening Balance

Min. Balance to Earn Dividend

Rate

APY*

*APY = Annual Percentage Yield. Dividend rates are subject to change without notice. Dividends are posted monthly based on the daily balance and compounded monthly. Baton Rouge Telco Federal Credit Union Share Certificate rates are variable rate accounts and are subject to change at any time. Rates are not guaranteed. Penalties for early withdrawals may apply. Fees may reduce earnings on the account.

Product

Savings Account

Min. Opening Balance

$5

Min. Balance to Earn Dividend

$50

Rate

0.10%

APY*

0.10%

Product

Special Savings

Min. Opening Balance

$5

Min. Balance to Earn Dividend

$50

Rate

0.10%

APY*

0.10%

Product

Christmas Club Savings

Min. Opening Balance

$5

Min. Balance to Earn Dividend

$5

Rate

0.10%

APY*

0.10%

Product

All Star Savers

Min. Opening Balance

$5

Min. Balance to Earn Dividend

$5

Rate

0.75%

APY*

0.75%

Product

Money Market Savings

Min. Opening Balance

$2,500

Min. Balance to Earn Dividend

$2,500

Rate

0.20%

APY*

0.20%

Product

IRA Savings

Min. Opening Balance

No Min

Min. Balance to Earn Dividend

0.01

Rate

0.30%

APY*

0.30%

SHARE & IRA CERTIFICATES

Term

Min. Opening Balance

Min. Balance to Earn Dividends

Rate

APY*

*APY = Annual Percentage Yield. Dividend rates are subject to change without notice. Dividends are posted monthly based on the daily balance and compounded monthly. Baton Rouge Telco Federal Credit Union Share Certificate rates are variable rate accounts and are subject to change at any time. Rates are not guaranteed. Penalties for early withdrawals may apply.

Term

3 months

Min. Opening Balance

$500

Min. Balance to Earn Dividends

$500

Rate

3.445%

APY*

3.50%

Term

6 months

Min. Opening Balance

$500

Min. Balance to Earn Dividends

$500

Rate

3.928%

APY*

4.00%

Term

1 year

Min. Opening Balance

$500

Min. Balance to Earn Dividends

$500

Rate

4.169%

APY*

4.25%

Term

2 years

Min. Opening Balance

$500

Min. Balance to Earn Dividends

$500

Rate

4.410%

APY*

4.50%

Term

3 years

Min. Opening Balance

$500

Min. Balance to Earn Dividends

$500

Rate

3.445%

APY*

3.50%

Term

4 years

Min. Opening Balance

$500

Min. Balance to Earn Dividends

$500

Rate

3.687%

APY*

3.75%

Term

5 years

Min. Opening Balance

$500

Min. Balance to Earn Dividends

$500

Rate

3.928%

APY*

4.00%

CREDIT CARDS

Visa® Card Type

Minimum Amount

APR*

*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 or 2% of the amount of each cash advance (whichever is greater). Overdraft Protection fee: $5 per transfer – if you opted to use the LOC as a transfer source. Account Transfer Fee: $10 or 2%, whichever is greater, per transaction. This includes any transfer of funds from the LOC to the account, either in person or electronically.

Visa® Card Type

Gold Card

Minimum Amount

$500

APR*

9.90%

Visa® Card Type

Cash Back Card

Minimum Amount

$500

APR*

13.49%

Visa® Card Type

Secured Card

Minimum Amount

$500

APR*

9.90%

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 6.74% APR for 60 months has payments per $1,000 equal to $19.68/month.
Quoted rate of 7.24% APR for 72 months has payments per $1,000 equal to $17.16/month.
Quoted rate of 7.49% APR for 84 months has payments per $1,000 equal to $15.33/month.
Quoted rate of 8.74% APR for 60 months has payments per $1,000 equal to $20.63/month.
Quoted rate of 9.74% APR for 60 months has payments per $1,000 equal to $21.12/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

2024 - 2020 New or Used

Maximum Term

60 Months

Minimum Loan Amount

$500

Maximum Financing Value

125%

APR

6.74%

Discount APR*

6.24%

Year and Type

2024 - 2020 New or Used

Maximum Term

72 Months

Minimum Loan Amount

$15,000

Maximum Financing Value

125%

APR

7.24%

Discount APR*

6.74%

Year and Type

2024 - 2021 New or Used

Maximum Term

84 Months

Minimum Loan Amount

$30,000

Maximum Financing Value

125%

APR

7.49%

Discount APR*

6.99%

Year and Type

2019 - 2017 Used

Maximum Term

60 Months

Minimum Loan Amount

$500

Maximum Financing Value

125%

APR

8.74%

Discount APR*

8.24%

Year and Type

2016 - 2014 Used

Maximum Term

60 Months

Minimum Loan Amount

$500

Maximum Financing Value

125%

APR

9.74%

Discount APR*

9.24%

BOAT, MOTOR, & TRAILER 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 8.74% APR for 60 months has payments per $1,000 equal to $20.63/month.
Quoted rate of 9.49% APR for 72 months has payments per $1,000 equal to $18.27/month.
Quoted rate of 11.49% APR for 120 months has payments per $1,000 equal to $14.05/month.

Year and Type

2023 - 2019 New or Used

Maximum Term

60 Months

Minimum Loan Amount

$500

Maximum Financing Value

125%

APR

8.74%

Discount APR*

8.24%

Year and Type

2023 - 2019 New or Used

Maximum Term

72 Months

Minimum Loan Amount

$15,000

Maximum Financing Value

125%

APR

9.49%

Discount APR*

8.99%

Year and Type

2023 - 2019 New or Used

Maximum Term

120 Months

Minimum Loan Amount

$40,000

Maximum Financing Value

90%

APR

11.49%

Discount APR*

10.99%

RECREATIONAL VEHICLE 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 8.74% APR for 60 months has payments per $1,000 equal to $20.63/month.
Quoted rate of 9.49% APR for 72 months has payments per $1,000 equal to $18.27/month.
Quoted rate of 10.99% APR for 120 months has payments per $1,000 equal to $13.77/month.

Year and Type

2023 - 2019 New or Used

Maximum Term

60 Months

Minimum Loan Amount

$500

Maximum Financing Value

125%

APR

8.74%

Discount APR*

8.24%

Year and Type

2023 - 2019 New or Used

Maximum Term

72 Months

Minimum Loan Amount

$15,000

Maximum Financing Value

125%

APR

9.49%

Discount APR*

8.99%

Year and Type

2023 - 2019 New or Used

Maximum Term

120 Months

Minimum Loan Amount

$40,000

Maximum Financing Value

90%

APR

10.99%

Discount APR*

10.49%

POWERSPORT/MOTORCYCLE PURCHASE OR REFINANCE

Year and Type

Maximum Term

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 8.24% APR for 60 months has payments per $1,000 equal to $20.39/month.

Year and Type

2023 - 2019 New or Used

Maximum Term

60 months

Maximum Financing Value

125%

APR

8.74%

Discount APR*

8.24%

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 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.

Maximum Term

12 months

Minimum Amount

$500

APR

10.49%

Discount APR*

9.99%

Maximum Term

60 months

Minimum Amount

$1,000

APR

12.49%

Discount APR*

11.99%

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 84 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%

FIRST MORTGAGE PURCHASE & REFINANCE - 15-YEAR FIXED

Loan Amount

Maximum Financing

Rate*

APR*

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

Loan Amount

Up to $99,999

Maximum Financing

Up to 97%

Rate*

6.625%

APR*

6.852%

Loan Amount

$100,000 - $199,999

Maximum Financing

Up to 97%

Rate*

6.500%

APR*

6.685%

Loan Amount

$200,000 to $726,199

Maximum Financing

Up to 97%

Rate*

6.375%

APR*

6.538%

Loan Amount

$726,200 to $1,000,000

Maximum Financing

Up to 90%

Rate*

6.625%

APR*

6.778%

FIRST MORTGAGE PURCHASE & REFINANCE - 30-YEAR FIXED

Loan Amount

Maximum Financing

Rate*

APR*

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

Loan Amount

Up to $99,999

Maximum Financing

Up to 97%

Rate*

7.125%

APR*

7.253%

Loan Amount

$100,000 - $199,999

Maximum Financing

Up to 97%

Rate*

7.000%

APR*

7.104%

Loan Amount

$200,000 to $726,199

Maximum Financing

Up to 97%

Rate*

6.875%

APR*

6.967%

Loan Amount

$726,200 to $1,000,000

Maximum Financing

Up to 97%

Rate*

7.125%

APR*

7.212%

FIRST MORTGAGE REFINANCE CASH/EQUITY OUT - 15-YEAR FIXED

Loan Amount

Maximum Financing

Rate*

APR*

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

** Maximum Loan to Value 90% on amounts above $726,200.

Loan Amount

Up to $99,999

Maximum Financing

Up to 90%

Rate*

7.125%

APR*

7.352%

Loan Amount

$100,000 - $199,999

Maximum Financing

Up to 90%

Rate*

7.000%

APR*

7.185%

Loan Amount

$200,000 to $726,199

Maximum Financing

Up to 90%

Rate*

6.875%

APR*

7.038%

Loan Amount

$726,200 to $1,000,000**

Maximum Financing

Up to 90%

Rate*

7.125%

APR*

7.278%

FIRST MORTGAGE REFINANCE CASH/ EQUITY OUT - 30-YEAR FIXED

Loan Amount

Maximum Financing

Rate*

APR*

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

** Maximum Loan to Value 90% on amounts above $726,200.

Loan Amount

Up to $99,999

Maximum Financing

Up to 90%

Rate*

7.625%

APR*

7.753%

Loan Amount

$100,000 - $199,999

Maximum Financing

Up to 90%

Rate*

7.500%

APR*

7.604%

Loan Amount

$200,000 to $726,199

Maximum Financing

Up to 90%

Rate*

7.375%

APR*

7.467%

Loan Amount

$726,200 to $1,000,000**

Maximum Financing

Up to 90%

Rate*

7.625%

APR*

7.712%

HELOC

Product

Term

Maximum Financing

Maximum Cost

Rate*

APR*

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

Product

Home Equity Line of Credit

Term

10 years

Maximum Financing

Up to 90%

Maximum Cost

$199 Processing Fee

Rate*

8.500%

APR*

8.500%

OTHER REAL ESTATE PRODUCTS

Product

Term

Maximum Financing

Rate*

APR*

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

Product

Second Mortgage Loan Fixed Rate

Term

10 Years

Maximum Financing

Up to 90%

Rate*

7.75%

APR*

8.254%

Product

Land or Lot Fixed Rate

Term

10 Years

Maximum Financing

Up to 80%

Rate*

7.75%

APR*

8.637%