Breco Mortgage, Auto Loan, HELOC & Personal Loan Rates & Who Can Join

Who Can Join Breco

Membership eligibility from Breco's own published criteria. How we verify this.

Membership via employers (Acadian Contractors +23 more) or the Capital Area Animal Welfare Society (CAAWS) +2 more

LocationLivingston, Pointe Coupee, St. Helena, West Baton Rouge, West Feliciana, Ascension, Assumption, East Baton Rouge, East Feliciana, Iberville
EmployerAcadian Contractors, APTIM, Cox-Walker & Associates, DEMCO, Englobal Engineering, Entergy Corporation, Ethos Energy, Ferris Engineering, Highlines Construction Co., ITC Holdings, LA One Call, McDermott International, Inc., Money Management International, MMR Group, Power & Control Systems, Spectrum Engineering, Spectrum Services, The Shobe Financial Group, The Wackenhut Corp, Title2Land, LLC, Tube Fitting Specialties, Inc., Wampold Companies, West BR Conference & Travel Center, Epic Piping
AssociationCapital Area Animal Welfare Society (CAAWS), Court Reporters of LA, IBEW - Local 995

Cost to join: About $5.

Verified from Breco's membership page. Final membership determination is always made by the credit union.

Mortgage Rates

Rates as of July 10, 2026

savings

2.380% APR

Rate2.360%

Points0

Extended Insurance Savings ($25,000 - $99,999)

savings

2.530% APR

Rate2.510%

Points0

Extended Insurance Savings ($100,000 - $249,999)

savings

2.690% APR

Rate2.660%

Points0

Extended Insurance Savings ($250,000 - $499,999)

savings

2.840% APR

Rate2.810%

Points0

Extended Insurance Savings ($500,000 - $999,999)

savings

3.000% APR

Rate2.960%

Points0

Extended Insurance Savings ($1,000,000 or greater)

ira_cd_36mo

3.100% APR

Rate3.060%

Points0

Term Share Certificates & IRAs (36 Months)

ira_cd_48mo

3.100% APR

Rate3.060%

Points0

Term Share Certificates & IRAs (48 Months)

ira_cd_60mo

3.100% APR

Rate3.060%

Points0

Term Share Certificates & IRAs (60 Months)

ira_cd_6mo

3.250% APR

Rate3.200%

Points0

Term Share Certificates & IRAs (6 Months)

ira_cd_24mo

3.500% APR

Rate3.450%

Points0

Term Share Certificates & IRAs (24 Months)

ira_cd_18mo

3.650% APR

Rate3.590%

Points0

Term Share Certificates & IRAs (18 Months)

ira_cd_12mo

3.750% APR

Rate3.690%

Points0

Term Share Certificates & IRAs (12 Months)

ira_cd_13mo

3.750% APR

Rate3.690%

Points0

Term Share Certificates & IRAs (13 Months)

ira_cd_9mo

3.900% APR

Rate3.840%

Points0

Term Share Certificates & IRAs (9 Months)

savings

5.000% APR

Rate5.000%

Points0

Checking Accounts

savings

5.000% APR

Rate5.000%

Points0

My Money Teen and Student Checking

savings

5.100% APR

Rate4.990%

Points0

Super-Charged Checking

ploc_variable

9.990% APR

Rate9.990%

Points0

Redi-Cash Line Of Credit

Auto Loan Rates

Rates as of July 10, 2026

auto_any_36mo

6.490% APR

Rate6.490%

New/Used Auto 0-36 Months

auto_any_48mo

6.490% APR

Rate6.490%

New/Used Auto 37-48 Months

auto_any_60mo

6.990% APR

Rate6.990%

New/Used Auto 49-60 Months

auto_any_72mo

7.290% APR

Rate7.290%

New/Used Auto 61-72 Months

auto_any_84mo

7.640% APR

Rate7.640%

New/Used Auto 73-84 Months

credit_card_platinum

7.900% APR

Rate7.900%

Visa Platinum Credit Card

HELOC Rates

Rates as of July 10, 2026

heloc_variable

4.000% APR

Rate4.000%

HELOC (10 year Variable rate)

heloc

6.200% APR

Rate6.200%

Home Equity 0-60 Months

heloc

6.200% APR

Rate6.200%

Home Equity 61-84 Months

heloc_variable

6.200% APR

Rate6.200%

[PROMOTIONAL] Home Equity Loan / Home Equity Line of Credit

heloc

6.950% APR

Rate6.950%

Home Equity 85-180 Months

Personal Loan Rates

Rates as of July 10, 2026

personal_unsecured_36mo

9.490% APR

Rate9.490%

Signature Loans 0-36 Months

personal_unsecured_48mo

10.490% APR

Rate10.490%

Signature Loans 37-48 Months

personal_unsecured_60mo

11.240% APR

Rate11.240%

Signature Loans 49-60 Months

personal

12.990% APR

Rate12.990%

[PROMOTIONAL] Summer Vacation & Back to School Loan Special

Frequently Asked Questions

What rates does Breco offer?

Breco currently offers mortgage, auto loan, HELOC, and personal loan rates. The rates shown on this page were last verified July 10, 2026 directly from the credit union's official website.

How often are Breco rates updated?

RateAPI verifies Breco's rates daily by scraping its official website, then normalizing the data. The figures on this page were last verified July 10, 2026.

Where does RateAPI get Breco's rate data?

Rate data is collected directly from Breco's official website. RateAPI has no pay-to-rank incentives; see the methodology page for how rates are collected and normalized.

What is Breco's mortgage rate?

As of July 10, 2026, Breco offers a savings mortgage at 2.38% APR.

What is Breco's auto loan rate?

As of July 10, 2026, Breco offers auto loans from 6.49% APR.

Related Rate Data

Compare Breco's rates against national credit-union benchmarks.

More Louisiana credit unions Mortgage rate benchmark Auto loan rate benchmark HELOC rates Personal loan rates How we verify rates

Source Information

Rate data is scraped directly from the credit union's official website and verified daily by our automated systems.

View Original Source

Methodology

Learn how we collect, normalize, and verify rate data with full transparency and no pay-to-rank incentives.

View Methodology

Use it via API

Access this data programmatically with our REST API

terminal

# Get rates for Breco
curl "https://api.rateapi.dev/credit-unions/louisiana/breco" \
  -H "Authorization: Bearer YOUR_API_KEY"

Explore API Documentation Use with Claude