--- title: "Baton Rouge Telco Credit Union: #1 HELOC in Louisiana" description: "Baton Rouge Telco Credit Union has the lowest tracked HELOC rate in Louisiana (7.00% APR) among 9 credit unions we verify. Baton Rouge Telco Credit Union rates today: HELOC from 7.00% APR. Every rate verified daily from the official website — no pay-to-rank. See who can join Baton Rouge Telco Credit Union — verified membership eligibility with the requirements and cost to join." canonical: "https://rateapi.dev/credit-unions/louisiana/baton-rouge-telco" last-updated: "2026-11-13" source: "https://rateapi.dev/llms.txt" --- # Baton Rouge Telco Credit Union: #1 HELOC in Louisiana ### Mortgage rates 2 offers | Product | Published | Rate | Term / condition | Status | | **Mortgage Rates 4** other | — APR | 6.288% | — | Standard | | **APR 3** other | — APR | 6.288% | — | Standard | Baton Rouge Telco Credit Union mortgage rates as of November 12, 2026 ### Auto & vehicle rates 2 offers | Product | Published | Rate | Term / condition | Status | | **Auto Loans 2** auto | — APR | 5.590% | — | Standard | | **Recreation Vehicles 3** auto | — APR | 7.240% | — | Standard | Baton Rouge Telco Credit Union auto & vehicle rates as of November 12, 2026 ### HELOC rates 1 offer | Product | Published | Rate | Term / condition | Status | | **HELOC (Variable)** heloc_variable | 7.000% APR | 7.000% | — | Standard | Baton Rouge Telco Credit Union heloc rates as of November 12, 2026 ### Personal loan rates 4 offers | Product | Published | Rate | Term / condition | Status | | **Certificate-Secured Loan** personal_secured | — APR | 2.990% | — | Standard | | **Share-Secured Loan** personal_secured | — APR | 3.490% | — | Standard | | **Personal Loan** personal | — APR | 9.240% | — | Standard | | **Personal Loans 6** personal_unsecured | — APR | 9.240% | — | Standard | Baton Rouge Telco Credit Union personal loan rates as of November 12, 2026 ### Credit card rates 3 offers | Product | Published | Rate | Term / condition | Status | | **Credit Cards 1** credit_card | — APR | 9.900% | — | Standard | | **Cash Back Credit Card** credit_card_cash_back | — APR | 13.490% | — | Standard | | **More rewards with every swipe.** other | — APR | 12.740% | — | Standard | Baton Rouge Telco Credit Union credit card rates as of November 12, 2026 ### Savings & CD rates 2 offers | Product | Published | Rate | Term / condition | Status | | **Min. Deposit** savings | — APY | 0.05% | — | Standard | | **Money Market Secured** money_market | — APY | 3.99% | — | Standard | Baton Rouge Telco Credit Union savings & cd rates as of November 12, 2026 ### Other rates 5 offers | Product | Published | Rate | Term / condition | Status | | **Securely maximize your gains.** other | — % | 4.200% | — | Standard | | **APR as low as*** other | — % | 5.590% | — | Standard | | **APR 3** other | — % | 6.717% | — | Standard | | **APR as low as 3** other | — % | 7.240% | — | Standard | | **Solutions Loan 7** other | — % | 28.000% | — | Standard | Baton Rouge Telco Credit Union other rates as of November 12, 2026 HELOC rates from 7% APR. > Source: [RateAPI.dev](https://rateapi.dev/credit-unions/louisiana/baton-rouge-telco) , verified from [Baton Rouge Telco Credit Union's official website](https://www.brtelco.org/) Best product position **#1 of 9** HELOC Gap to state best **0 bp** State market leader Vs. state median **25 bp behind median** HELOC Products ranked **1** across tracked Louisiana markets | Product | Published APR | Position | Vs. state best | Vs. state median | | HELOC | 7.00% | #1 of 9 · lowest in Louisiana | State market leader | 25 bp behind median | Published rate position by product as of November 13, 2026 This is the public snapshot. Claim Baton Rouge Telco Credit Union's profile to see the full product-by-product breakdown, how the gap to the state best has moved over time, and the near-misses where a small change would move you up. [See the full breakdown →](https://rateapi.dev/for-credit-unions/claim?cu=baton-rouge-telco&state=louisiana&code=LA&name=Baton%20Rouge%20Telco%20Credit%20Union) Loading branch locator… ## About Baton Rouge Telco Credit Union Institution facts reported to the National Credit Union Administration for Invalid Date. Members 34.8K Assets $456.4M Founded 1936 Locations reported 4 NCUA charter 1726 Charter type Federal credit union ### Services and member support - Online membership application - Online loan application - Open an account online - Electronic statements - Mobile check deposit - Mobile payments - Financial counseling - Financial education - First-time homebuyer program - Student scholarships - Payday Alternative Loans I Source: [NCUA quarterly call report](https://ncua.gov/analysis/credit-union-corporate-call-report-data/quarterly-data) . Services are institution-reported; confirm availability with the credit union. ### Other credit unions with branches nearby Compare membership, services, and rates from other institutions with an NCUA-reported branch nearby. [**Campus** Interaction Center · Baton Rouge · LA · 70817 About 2.0 miles away](https://rateapi.dev/credit-unions/louisiana/campus) [**EFCU Financial** Shenandoah Branch · Baton Rouge · LA · 70817 About 3.2 miles away](https://rateapi.dev/credit-unions/louisiana/efcu-financial) [**Bayou** Womans Hospital Branch · Baton Rouge · LA · 70817 About 3.5 miles away](https://rateapi.dev/credit-unions/louisiana/bayou) [**La Capitol** ONeal Ofice · Baton Rouge · LA · 70816-3205 About 4.6 miles away](https://rateapi.dev/credit-unions/louisiana/la-capitol) [**Pelican** Corporate Headquarters · Baton Rouge · LA · 70816-3124 About 4.6 miles away](https://rateapi.dev/credit-unions/louisiana/pelican) [**Breco** Corporate Office · Baton Rouge · LA · 70816 About 4.7 miles away](https://rateapi.dev/credit-unions/louisiana/breco) Nearest-first estimates use the center of your Census ZIP area and NCUA-reported branch locations. Distances are straight-line estimates, not driving distance. ## Who Can Join Baton Rouge Telco Credit Union Membership eligibility from Baton Rouge Telco Credit Union's own published criteria. [How we verify this](https://rateapi.dev/eligibility-methodology) . Membership criteria are published on Baton Rouge Telco Credit Union's website. Check the membership page below to confirm whether you qualify. - Location ascension, east baton rouge, east feliciana, iberville, livingston, pointe coupee, tangipahoa, west baton rouge, west feliciana — LA Verified from [Baton Rouge Telco Credit Union's membership page](https://www.brtelco.org/join-today) . Final membership determination is always made by the credit union. ## Membership rules for Baton Rouge Telco Credit Union Geography 9 counties · Family 28 published paths to membership, last verified November 8, 2026, quoted from Baton Rouge Telco Credit Union’s own published criteria. ### Geography 9 Auto-verified against the source page from the credit union’s published criteria and NCUA charter records · last verified November 8, 2026 - Ascension County, LA - East Baton Rouge County, LA - East Feliciana County, LA - Iberville County, LA - Livingston County, LA - Pointe Coupee County, LA - Tangipahoa County, LA - West Baton Rouge County, LA - West Feliciana County, LA “NCUA call report 2026-03-31: TOM_CODE=00 (community charter); branch footprint: East Baton Rouge County, LA; Livingston County, LA; Tangipahoa County, LA” > [source ↗](https://ncua.gov/analysis/credit-union-corporate-call-report-data/quarterly-data) ### Family 1 Auto-verified against the source page quoted from the credit union’s own published criteria · last verified November 8, 2026 - Family of a member parent, child, sibling, grandparent, grandchild, stepparents, stepchildren “Parents, children, siblings, grandparents, grandchildren, stepparents, or stepchildren of Baton Rouge Telco members are also eligible to join.” > [source ↗](https://www.brtelco.org/join-today) - Family member (parent, child, sibling, grandparent, grandchild, stepparents, stepchildren) of a member Every rule cites the exact sentence it came from; absence of evidence means unknown, never no. [How we verify membership rules](https://rateapi.dev/eligibility-methodology) . Final membership determination is always made by the credit union. Is this right for Baton Rouge Telco Credit Union? Yes No ## Work at Baton Rouge Telco Credit Union? This page is seen by prospective members comparing rates — and by the AI assistants they ask. Claim this profile to correct or update rates, add missing products, and get your free rate scorecard showing where Baton Rouge Telco Credit Union ranks against Louisiana peers. - See which AI assistants fetched Baton Rouge Telco Credit Union’s rates, and how often - See which of your products the RateAPI API returned, and where you rank in Louisiana - Correct anything we publish about you that is wrong [Claim this credit union](https://rateapi.dev/for-credit-unions/claim?cu=baton-rouge-telco&state=louisiana&code=LA&name=Baton%20Rouge%20Telco%20Credit%20Union) [How scorecards work](https://rateapi.dev/for-credit-unions) ## Frequently Asked Questions ### What rates does Baton Rouge Telco Credit Union offer? Baton Rouge Telco Credit Union currently offers mortgage, Auto loan, HELOC, personal loan, and credit card rates. The rates shown on this page were last verified November 12, 2026 directly from the credit union's official website. ### How often are Baton Rouge Telco Credit Union rates updated? RateAPI verifies Baton Rouge Telco Credit Union's rates daily by scraping its official website, then normalizing the data. The figures on this page were last verified November 12, 2026. ### Where does RateAPI get Baton Rouge Telco Credit Union's rate data? Rate data is collected directly from Baton Rouge Telco Credit Union's official website. RateAPI has no pay-to-rank incentives; see the methodology page for how rates are collected and normalized. ### What is Baton Rouge Telco Credit Union's HELOC rate? As of November 12, 2026, Baton Rouge Telco Credit Union offers home equity lines of credit from 7% APR. ### Who can join Baton Rouge Telco Credit Union? Baton Rouge Telco Credit Union publishes its membership criteria on its own website. RateAPI tracks 28 published membership paths covering 9 counties for Baton Rouge Telco Credit Union, each quoted from Baton Rouge Telco Credit Union's own published membership criteria. Immediate family of an existing member also qualify. ## Related Rate Data Compare Baton Rouge Telco Credit Union's rates against national credit-union benchmarks. [More Louisiana credit unions](https://rateapi.dev/credit-unions/louisiana) [Louisiana mortgage rate leaders](https://rateapi.dev/mortgage-rates/louisiana) [Louisiana auto loan rate leaders](https://rateapi.dev/auto-loan-rates/louisiana) [Louisiana HELOC rate leaders](https://rateapi.dev/heloc-rates/louisiana) [Louisiana personal loan leaders](https://rateapi.dev/personal-loan-rates/louisiana) [Mortgage rate benchmark](https://rateapi.dev/mortgage-rate-benchmark) [Auto loan rate benchmark](https://rateapi.dev/auto-loan-rate-benchmark) [Credit card rates](https://rateapi.dev/credit-card-rates) [How we verify rates](https://rateapi.dev/methodology) ### Source Information Rate data is scraped directly from the credit union's official website and verified daily by our automated systems. [View Original Source](https://www.brtelco.org/) ### Methodology Learn how we collect, normalize, and verify rate data with full transparency and no pay-to-rank incentives. [View Methodology](https://rateapi.dev/methodology) ## Track Baton Rouge Telco Credit Union rates Get a free API key to query these rates programmatically, or get the daily email when Louisiana credit union rates move. Get a free API key [Daily rate email](https://rateapi.dev/daily-rate-emails) ## Use it via API Access this data programmatically with our REST API terminal ``` # Get rates for Baton Rouge Telco Credit Union curl "https://api.rateapi.dev/credit-unions/louisiana /baton-rouge-telco " \ -H "Authorization : Bearer YOUR_API_KEY" ``` [Explore API Documentation](https://api.rateapi.dev/) [Use with Claude](https://rateapi.dev/#mcp) Branch locator ## Baton Rouge Telco Credit Union locations Search, filter, and browse all 4 NCUA-reported locations. Use my location Search branches Apply Sort near a ZIP **Loading branches…** Branch services ATM Drive-through Member services Shared branch Skip to main content --- Source: https://rateapi.dev/credit-unions/louisiana/baton-rouge-telco Rate data API: https://api.rateapi.dev · OpenAPI: https://api.rateapi.dev/openapi.json · MCP: https://mcp.rateapi.dev/mcp