Woman Excited

Rates & Rewards

Rewards

Do you love banking with Baton Rouge Telco? Spread the word and get rewarded! Refer a friend to Baton Rouge Telco and we’ll give you each $25, after your friend meets certain qualifications.

Refer a friend now
Happy Group of Friends
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

3.93%***

APY*

4.00%***

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.

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

0.40%

APY*

0.40%

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

0.60%

APY*

0.60%

Term

6 months

Min. Opening Balance

$500

Min. Balance to Earn Dividends

$500

Rate

1.74%

APY*

1.75%

Term

1 year

Min. Opening Balance

$500

Min. Balance to Earn Dividends

$500

Rate

2.13%

APY*

2.15%

Term

2 years

Min. Opening Balance

$500

Min. Balance to Earn Dividends

$500

Rate

2.23%

APY*

2.25%

Term

3 years

Min. Opening Balance

$500

Min. Balance to Earn Dividends

$500

Rate

2.33%

APY*

2.35%

Term

4 years

Min. Opening Balance

$500

Min. Balance to Earn Dividends

$500

Rate

2.42%

APY*

2.45%

Term

5 years

Min. Opening Balance

$500

Min. Balance to Earn Dividends

$500

Rate

2.62%

APY*

2.65%

CREDIT CARDS

Visa® Card Type

Minimum Amount

APR

Visa® Card Type

Gold Card

Minimum Amount

$500

APR

7.90%

Visa® Card Type

Cash Back Card

Minimum Amount

$500

APR

11.49%

Visa® Card Type

Secured Card

Minimum Amount

$500

APR

7.90%

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 3.49% APR for 60 months has payments per $1,000 equal to $18.19/month.
Quoted rate of 3.74% APR for 72 months has payments per $1,000 equal to $15.53/month.
Quoted rate of 4.74% APR for 84 months has payments per $1,000 equal to $14.01/month.
Quoted rate of 5.74% APR for 48 months has payments per $1,000 equal to $23.37/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, ATM/Debit Card, Opt-In, Share Certificate, 1st Mortgage, VISA

Year and Type

2020 - 2016 New or Used

Maximum Term

60 Months

Minimum Loan Amount

$500

Maximum Financing Value

125%

APR

3.99%

Discount APR*

3.49%

Year and Type

2020 - 2016 New or Used

Maximum Term

72 Months

Minimum Loan Amount

$15,000

Maximum Financing Value

125%

APR

4.24%

Discount APR*

3.74%

Year and Type

2020 - 2019 New

Maximum Term

84 Months

Minimum Loan Amount

$35,000

Maximum Financing Value

125%

APR

5.24%

Discount APR*

4.74%

Year and Type

2015 - 2013 Used

Maximum Term

60 Months

Minimum Loan Amount

$500

Maximum Financing Value

125%

APR

5.24%

Discount APR*

4.74%

Year and Type

2012 - 2010 Used

Maximum Term

48 Months

Minimum Loan Amount

$500

Maximum Financing Value

125%

APR

6.24%

Discount APR*

5.74%

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 5.54% APR for 60 months has payments per $1,000 equal to $19.21/month.
Quoted rate of 5.99% APR for 72 months has payments per $1,000 equal to $16.57/month.
Quoted rate of 7.49% APR for 120 months has payments per $1,000 equal to $11.86/month.

Year and Type

2020 - 2016 New or Used

Maximum Term

60 Months

Minimum Loan Amount

$500

Maximum Financing Value

125%

APR

5.99%

Discount APR*

5.54%

Year and Type

2020 - 2016 New or Used

Maximum Term

72 Months

Minimum Loan Amount

$15,000

Maximum Financing Value

125%

APR

6.49%

Discount APR*

5.99%

Year and Type

2020 - 2016 New

Maximum Term

120 Months

Minimum Loan Amount

$40,000

Maximum Financing Value

125%

APR

7.99%

Discount APR*

7.49%

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 5.54% APR for 60 months has payments per $1,000 equal to $19.21/month.
Quoted rate of 5.99% APR for 72 months has payments per $1,000 equal to $16.57/month.
Quoted rate of 7.49% APR for 120 months has payments per $1,000 equal to $11.86/month.

Year and Type

2020 - 2016 New or Used

Maximum Term

60 Months

Minimum Loan Amount

$500

Maximum Financing Value

125%

APR

5.99%

Discount APR*

5.54%

Year and Type

2020 - 2016 New or Used

Maximum Term

72 Months

Minimum Loan Amount

$15,000

Maximum Financing Value

125%

APR

6.49%

Discount APR*

5.99%

Year and Type

2020 - 2016 New

Maximum Term

120 Months

Minimum Loan Amount

$40,000

Maximum Financing Value

90%

APR

7.99%

Discount APR*

7.49%

POWERSPORT 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 5.54% APR for 60 months has payments per $1,000 equal to $19.21/month.

Year and Type

2020 - 2016 New or Used

Maximum Term

60 months

Maximum Financing Value

125%

APR

5.99%

Discount APR*

5.54%

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 7.49% APR for 12 months has payments per $1,000 equal to $86.75/month.
Quoted rate of 9.49% APR for 48 months has payments per $1,000 equal to $25.12/month.

Maximum Term

12 months

Minimum Amount

$500

APR

7.99%

Discount APR*

7.49%

Maximum Term

48 months

Minimum Amount

$1,000

APR

9.99%

Discount APR*

9.49%

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 36 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.

** Maximum Loan to Value 80% on amounts above $484,350.

Loan Amount

Up to $99,999

Maximum Financing

Up to 95%

Rate*

3.375%

APR*

3.602%

Loan Amount

$100,000 - 199,999

Maximum Financing

Up to 95%

Rate*

3.250%

APR*

3.435%

Loan Amount

$200,000 to $484,350

Maximum Financing

Up to 95%

Rate*

3.125%

APR*

3.288%

Loan Amount

$484,351 to $1,000,000**

Maximum Financing

Up to 95%

Rate*

3.375%

APR*

3.528%

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.

** Maximum Loan to Value 80% on amounts above $484,350.

Loan Amount

Up to $99,999

Maximum Financing

Up to 95%

Rate*

3.750%

APR*

3.878%

Loan Amount

$100,000 - 199,999

Maximum Financing

Up to 95%

Rate*

3.625%

APR*

3.729%

Loan Amount

$200,000 to $484,350

Maximum Financing

Up to 95%

Rate*

3.500%

APR*

3.592%

Loan Amount

$484,351 to $1,000,000**

Maximum Financing

Up to 95%

Rate*

3.750%

APR*

3.837%

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 80% on amounts above $484,350.

Loan Amount

Up to $99,999

Maximum Financing

Up to 90%

Rate*

3.875%

APR*

4.102%

Loan Amount

$100,000 - 199,999

Maximum Financing

Up to 90%

Rate*

3.750%

APR*

3.935%

Loan Amount

$200,000 to $484,350

Maximum Financing

Up to 90%

Rate*

3.625%

APR*

3.788%

Loan Amount

$484,351 to $1,000,000**

Maximum Financing

Up to 90%

Rate*

3.875%

APR*

4.028%

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 80% on amounts above $484,350.

Loan Amount

Up to $99,999

Maximum Financing

Up to 90%

Rate*

4.250%

APR*

4.378%

Loan Amount

$100,000 - 199,999

Maximum Financing

Up to 90%

Rate*

4.125%

APR*

4.229%

Loan Amount

$200,000 to $484,350

Maximum Financing

Up to 90%

Rate*

4.000%

APR*

4.092%

Loan Amount

$484,351 to $1,000,000**

Maximum Financing

Up to 90%

Rate*

4.250%

APR*

4.337%

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*

4.75%

APR*

4.75%

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*

6.75%

APR*

7.229%

Product

Land or Lot Fixed Rate

Term

5 Years

Maximum Financing

Up to 80%

Rate*

6.75%

APR*

7.637%