Personal Loans

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Personal Loan

Experience financial flexibility with our affordable loan solutions, providing simplicity and support for your diverse lifestyle and budget. All without the need for collateral.

  • Competitive rates
  • Borrow up to $30,000
  • Flexible repayment terms up to 60 months
  • Easy application process
  • Personalized service

Secured Personal Loan

Embrace the peace of mind offered by our Secured Personal Loans, leveraging funds in your share account, share certificate, or money market account as collateral for flexible borrowing options.

  •  Competitive rates
  •  Flexible terms
  •  Fast and efficient loan processing
  •  Easy way to build credit

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*
Personal
Max. Term
12 Months
Min. Loan Amount
$500
Max. Financing
$30,000
APR as low as*
10.24%
Max. Term
60 Months
Min. Loan Amount
$1,000
Max. Financing
$30,000
APR as low as*
12.24%
Certificate Secured
Max. Term
Maturity Balloon
Min. Loan Amount
$500
Max. Financing
100%
APR as low as*
2.49%~
Savings Secured
Max. Term
36 Months Balloon
Min. Loan Amount
$500
Max. Financing
100%
APR as low as*
2.99%
Money Market Secured
Max. Term
36 Months Balloon
Min. Loan Amount
$500
Max. Financing
100%
APR as low as*
3.49%
Stock Secured
Max. Term
36 Months
Min. Loan Amount
$5,000
Max. Financing
80%
APR as low as*
7.29%
Max. Term
84 Months
Min. Loan Amount
$5,000
Max. Financing
80%
APR as low as*
8.49%
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Frequently Asked Questions

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Start a Balance Transfer
Do you currently have a Telco Visa credit card?
Yes
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Not a BR Telco Visa cardholder? No problem!

Before you begin the balance transfer process, let's get a BR Telco Visa credit card opened for you. We offer two great credit cards to fit your lifestyle. Our credit cards feature no annual fees, no balance transfer fees, and practically unbeatable rates. You can begin your online application here.

Visa Gold Credit Card
Visa® Gold
  • 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
Apply NowLearn More
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
Apply NowLearn More
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More Baton Rouge Telco Products & Services

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Disclosures

*APR = Annual Percentage Rate. Rates 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 7.29% 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.

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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.

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