
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.

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. |
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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%*** |
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. |
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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% |
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. |
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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% |
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. |
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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% |
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. Member Loyalty Discount – Members may receive up to an extra 0.5% discount off their auto loan rate.
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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% |
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. |
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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% |
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. |
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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% |
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. |
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Year and Type 2023 - 2019 New or Used |
Maximum Term 60 months |
Maximum Financing Value 125% |
APR 8.74% |
Discount APR* 8.24% |
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. |
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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% |
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. Quoted rate of 2.99% APR for 36 months has payments per $1,000 equal to $29.08/month. |
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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% |
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. |
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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% |
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. |
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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% |
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. |
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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% |
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. |
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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% |
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. |
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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% |
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. |
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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% |