--- title: "Telco Plus Credit Union Rates: CDs to 3.75%, Vehicle 5.25%" description: "Telco Plus Credit Union rates today: vehicle loans from 5.25% APR, savings & CDs up to 3.75% APY. Every rate verified daily from the official website — no pay-to-rank. See who can join Telco Plus Credit Union — verified membership eligibility with the requirements and cost to join." canonical: "https://rateapi.dev/credit-unions/texas/telco-plus" last-updated: "2026-11-13" source: "https://rateapi.dev/llms.txt" --- # Telco Plus Credit Union Rates: CDs to 3.75%, Vehicle 5.25% ### Mortgage rates 7 offers | Product | Published | Rate | Term / condition | Status | | **30-Year Fixed** 30 year fixed | — APR | 6.750% | — | Standard | | **15-Year Fixed** 15 year fixed | — APR | 5.750% | — | Standard | | **15-Year Fixed** 15 year fixed | — APR | 6.250% | — | Standard | | **10-Year Fixed** 10 year fixed | — APR | 5.750% | — | Standard | | **20-Year Fixed** 20 year fixed | — APR | 6.500% | — | Standard | | **10-Year Fixed** 10 year fixed | — APR | 6.880% | — | Standard | | **5 Years Fixed** other | — APR | 5.750% | — | Standard | Telco Plus Credit Union mortgage rates as of November 12, 2026 ### Auto & vehicle rates 6 offers | Product | Published | Rate | Term / condition | Status | | **Autos (New & Used 2022 and newer)** auto_any | — APR | 4.740% | any | Standard | | **Late Payments** auto | — APR | 5.000% | — | Standard | | **Jet Skis, Personal Watercrafts, and ATV (2022 and newer)** boat | — APR | 5.250% | — | Standard | | **Motorcycles (New & Used 2022 and newer)** motorcycle_any | 5.250% APR | 5.250% | any | Standard | | **Used Auto Loan (2021 and Older)** auto_used | — APR | 5.490% | used | Standard | | **Boats, Motor Homes, and Campers (2022 and newer)** boat | — APR | 5.840% | — | Standard | Telco Plus Credit Union auto & vehicle rates as of November 12, 2026 ### Personal loan rates 2 offers | Product | Published | Rate | Term / condition | Status | | **Other Secured** personal_secured | — APR | 6.290% | — | Standard | | **Unsecured Personal Loan** personal_unsecured | — APR | 8.500% | — | Standard | Telco Plus Credit Union personal loan rates as of November 12, 2026 ### Credit card rates 1 offer | Product | Published | Rate | Term / condition | Status | | **VISA® (currently)** credit_card | — APR | 14.490% | — | Standard | Telco Plus Credit Union credit card rates as of November 12, 2026 ### Savings & CD rates 20 offers | Product | Published | Rate | Term / condition | Status | | **Plus Checking** checking | — APY | 0.01% | — | Standard | | **Regular Share/Savings** savings | — APY | 0.03% | — | Standard | | **$2,500 and Up** savings | — APY | 0.05% | — | Standard | | **Christmas Club** savings | — APY | 0.25% | — | Specialty offer | | **Rewards Plus Checking Base Balance $0 - $5,000 Funds Over $5,000 - $10,000 Funds Over $10,000 Requirements not met** checking | — APY | 0.25% | — | Standard | | **IRA** ira | — APY | 1.00% | — | Standard | | **6-Month Certificate** cd_6mo | — APY | 3.20% | 6 mo | Standard | | **Share Certificates (CD) & Individual Retirement Accounts (IRA): (6 Months)** ira_cd_6mo | 3.25% APY | 3.20% | 6 mo | Standard | | **12-Month Certificate** cd_12mo | — APY | 3.35% | 12 mo | Standard | | **Share Certificates (CD) & Individual Retirement Accounts (IRA): (12 Months)** ira_cd_12mo | 3.40% APY | 3.35% | 12 mo | Standard | | **18-Month Certificate** cd_18mo | — APY | 3.44% | 18 mo | Standard | | **36-Month Certificate** cd_36mo | — APY | 3.44% | 36 mo | Standard | | **48-Month Certificate** cd_48mo | — APY | 3.44% | 48 mo | Standard | | **Share Certificates (CD) & Individual Retirement Accounts (IRA): (36 Months)** ira_cd_36mo | 3.50% APY | 3.44% | 36 mo | Standard | | **Share Certificates (CD) & Individual Retirement Accounts (IRA): (18 Months)** ira_cd_18mo | 3.50% APY | 3.44% | 18 mo | Standard | | **Share Certificates (CD) & Individual Retirement Accounts (IRA): (48 Months)** ira_cd_48mo | 3.50% APY | 3.44% | 48 mo | Standard | | **60-Month Certificate** cd_60mo | — APY | 3.69% | 60 mo | Standard | | **24-Month Certificate** cd_24mo | — APY | 3.69% | 24 mo | Standard | | **Share Certificates (CD) & Individual Retirement Accounts (IRA): (24 Months)** ira_cd_24mo | 3.75% APY | 3.69% | 24 mo | Standard | | **Share Certificates (CD) & Individual Retirement Accounts (IRA): (60 Months)** ira_cd_60mo | 3.75% APY | 3.69% | 60 mo | Standard | Telco Plus Credit Union savings & cd rates as of November 12, 2026 ### Other rates 1 offer | Product | Published | Rate | Term / condition | Status | | **Mobile Home (unit only)** other | — % | 10.500% | — | Standard | Telco Plus Credit Union other rates as of November 12, 2026 Vehicle loans available from 5.25% APR. Savings and certificate yields up to 3.75% APY. > Source: [RateAPI.dev](https://rateapi.dev/credit-unions/texas/telco-plus) , verified from [Telco Plus Credit Union's official website](https://www.telcoplus.org/) Loading branch locator… ## About Telco Plus Credit Union Institution facts reported to the National Credit Union Administration for Invalid Date. Members 9.2K Assets $129.4M Founded 1951 Locations reported 5 NCUA charter 66351 Charter type Federally insured state-chartered credit union ### Services and member support - Online loan application - Electronic statements - Mobile check deposit - Mobile payments - Financial counseling - Financial education - Bilingual services - Student scholarships - Credit-builder products 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. [**East Texas Professional** Administration Building · Longview · TX · 75604-9291 Branch in the same ZIP](https://rateapi.dev/credit-unions/texas/east-texas-professional) [**Barksdale** Longview · Longview · TX · 75604-2350 About 1.6 miles away](https://rateapi.dev/credit-unions/louisiana/barksdale) [**Eastman** Pine Tree Branch · Longview · TX · 75604 About 2.6 miles away](https://rateapi.dev/credit-unions/tennessee/eastman) [**T & P Longview** T & P Longview FCU · Longview · TX · 75605 About 6.4 miles away](https://rateapi.dev/credit-unions/texas/t-p-longview) [**Credit Union of Texas** Kilgore Branch · Kilgore · TX · 75662 About 8.9 miles away](https://rateapi.dev/credit-unions/texas/credit-union-of-texas) [**Red River Employees** Marshall TX Office · Marshall · TX · 75672 About 28.1 miles away](https://rateapi.dev/credit-unions/texas/red-river-employees) 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 Telco Plus Credit Union Membership eligibility from Telco Plus Credit Union's own published criteria. [How we verify this](https://rateapi.dev/eligibility-methodology) . Membership criteria are published on Telco Plus Credit Union's website. Check the membership page below to confirm whether you qualify. - Location gregg, smith, harrison, rusk, cherokee — TX - Employer 100+ sponsor companies Verified from [Telco Plus Credit Union's membership page](https://www.telcoplus.org/about/) . Final membership determination is always made by the credit union. ## Membership rules for Telco Plus Credit Union Geography 5 counties · Employers · Family 2 13 published paths to membership, last verified August 27, 2026, quoted from Telco Plus Credit Union’s own published criteria. ### Geography 5 Auto-verified against the source page quoted from the credit union’s own published criteria · last verified August 27, 2026 - Cherokee County, TX - Gregg County, TX - Harrison County, TX - Rusk County, TX - Smith County, TX “You live or work in Gregg, Smith, Harrison, Rusk, or Cherokee County” > [source ↗](https://www.telcoplus.org/about/) ### Employers 1 Auto-verified against the source page quoted from the credit union’s own published criteria · last verified August 21, 2026 - Employee of 100+ sponsor companies “You work for any of our 100+ sponsor companies” > [source ↗](https://www.telcoplus.org/about/) - Employee of 100+ sponsor companies ### Family 2 Auto-verified against the source page quoted from the credit union’s own published criteria · last verified August 27, 2026 - Family of a member “Through family” > [source ↗](https://www.telcoplus.org/about/) - Family member of a member - Family of a member family “Through family” > [source ↗](https://www.telcoplus.org/about/) - Family member (family) 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 Telco Plus Credit Union? Yes No ## Work at Telco Plus 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 Telco Plus Credit Union ranks against Texas peers. - See which AI assistants fetched Telco Plus Credit Union’s rates, and how often - See which of your products the RateAPI API returned, and where you rank in Texas - Correct anything we publish about you that is wrong [Claim this credit union](https://rateapi.dev/for-credit-unions/claim?cu=telco-plus&state=texas&code=TX&name=Telco%20Plus%20Credit%20Union) [How scorecards work](https://rateapi.dev/for-credit-unions) ## Frequently Asked Questions ### What rates does Telco Plus Credit Union offer? Telco Plus Credit Union currently offers mortgage, vehicle loan, 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 Telco Plus Credit Union rates updated? RateAPI verifies Telco Plus 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 Telco Plus Credit Union's rate data? Rate data is collected directly from Telco Plus Credit Union's official website. RateAPI has no pay-to-rank incentives; see the methodology page for how rates are collected and normalized. ### What are Telco Plus Credit Union's auto, boat & motorcycle loan rates? As of November 12, 2026, Telco Plus Credit Union offers vehicle loans from 5.25% APR. ### What is Telco Plus Credit Union's best CD rate? As of November 12, 2026, Telco Plus Credit Union offers savings and certificate (CD) yields up to 3.75% APY. ### Who can join Telco Plus Credit Union? Telco Plus Credit Union publishes its membership criteria on its own website. RateAPI tracks 13 published membership paths covering 5 counties and 1 employer for Telco Plus Credit Union, each quoted from Telco Plus Credit Union's own published membership criteria. Immediate family of an existing member also qualify. ## Related Rate Data Compare Telco Plus Credit Union's rates against national credit-union benchmarks. [More Texas credit unions](https://rateapi.dev/credit-unions/texas) [Texas mortgage rate leaders](https://rateapi.dev/mortgage-rates/texas) [Texas auto loan rate leaders](https://rateapi.dev/auto-loan-rates/texas) [Texas personal loan leaders](https://rateapi.dev/personal-loan-rates/texas) [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.telcoplus.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 Telco Plus Credit Union rates Get a free API key to query these rates programmatically, or get the daily email when Texas 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 Telco Plus Credit Union curl "https://api.rateapi.dev/credit-unions/texas /telco-plus " \ -H "Authorization : Bearer YOUR_API_KEY" ``` [Explore API Documentation](https://api.rateapi.dev/) [Use with Claude](https://rateapi.dev/#mcp) Branch locator ## Telco Plus Credit Union locations Search, filter, and browse all 5 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/texas/telco-plus Rate data API: https://api.rateapi.dev · OpenAPI: https://api.rateapi.dev/openapi.json · MCP: https://mcp.rateapi.dev/mcp