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*APR = Annual Percentage Rate. Rates are subject to change and depend on various factors including creditworthiness. Your rate may differ.
1Quoted 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 $10.00 or 2% of the amount of each cash advance (whichever is greater). Overdraft Protection Fee: $5.00 per transfer — if you opted to use the LOC as a transfer source. Account Transfer Fee: $10.00 or 2%, whichever is greater, per transaction. This includes any transfer of funds from the LOC to an account, either in person or electronically.
See our Visa Disclosure for additional information.
APR rates for the Visa Gold Credit Card are determined by several factors, including your credit score, monthly income, and debt repayment history. Please contact your nearest Baton Rouge Telco branch to learn more.
Cash Back Card rate is a variable rate tied to the prime rate and can be adjusted every year.
2Rates and include a 0.50% discount for members with an automatic deduction from a Telco checking account and direct deposit relationship. Terms and conditions apply. Rates are subject to change and depend on various factors including creditworthiness. Your rate may differ. Maximum financing on all auto loans is 125%.
Quoted rate of 5.99% APR for 60 months has payments per $1,000 equal to $19.33/month.
Quoted rate of 6.49% APR for 72 months has payments per $1,000 equal to $16.81/month.
Quoted rate of 6.74% APR for 84 months has payments per $1,000 equal to $14.97/month.
Quoted rate of 7.49% APR for 60 months has payments per $1,000 equal to $20.03/month.
Quoted rate of 8.49% APR for 60 months has payments per $1,000 equal to $20.51/month.
3Rates and include a 0.50% discount for members with an automatic deduction from a Telco checking account and direct deposit relationship. Terms and conditions apply. Rates are subject to change and depend on various factors including creditworthiness. Your rate may differ.
Both new and used motorcycles between the years 2021 and 2025 are eligible for up to 125% financing for terms of up to 60 months.
4All rates, fees, and terms are subject to change, not guaranteed, and are based on credit qualifications and lending guidelines.
5All rates, fees, and terms are subject to change, not guaranteed, and are based on credit qualifications and lending guidelines. $199 Processing Fee required.
6Rates shown are Telco's current rates and includes a 0.50% discount for members with automatic deduction from a Telco checking account and direct deposit relationship. Terms and conditions apply. Rates are subject to change and depend on various factors including creditworthiness. Your rate may differ.
PERSONAL LOANS
Quoted rate of 9.99% APR for 12 months has payments per $1,000 equal to $87.91/month. Quoted rate of 11.99% APR for 60 months has payments per $1,000 equal to $22.24/month.
SECURED PERSONAL LOANS
~ 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 7.79% APR for 36 months has payments per $1,000 equal to $31.24/month. Quoted rate of 8.49% APR for 84 months has payments per $1,000 equal to $15.83/month.
7Quoted rate of 28.00% APR for 6 months has payments per $200 equal to $36.11/month.
Additional details: Membership must be open at least 12 months to be eligible to apply. No minimum credit score. Credit report must show no open bankruptcy or foreclosure
Requirements: Members must provide the following: Two recent pay stubs from current employer or proof of fixed income. Three (3) references. Payroll deduction is not required, but it is strongly encouraged. Members may only have one (1) Solutions Loan open at a time.
Federally insured by NCUA. Your savings federally insured to at least $250,000 and backed by the full faith and credit of the United States Government – National Credit Union Administration (NCUA), a U.S. Government Agency.
