Credit union · NCUA insured
Baton Rouge Telco FCU Auto Loan Rates
Top CarrotBaton Rouge Telco FCU auto loans start at 5.09% APR for a new vehicle and 7.59% for a used one. Rates checked October 16, 2026.
How Baton Rouge Telco FCU’s auto loan rates compare
Compared with banks and credit unions near Baton Rouge, LA, where Baton Rouge Telco FCU has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Baton Rouge Telco FCU
5.09%APR
- Terms
- up to 60 months
- Discount
- Included in the rate
Auto Loans
Lowest rate
Formation Credit Union
3.15%APR
- Terms
- up to 72 months
- Discount
- None included
2nd-lowest rate
Baton Rouge City Parish Employees FCU
3.99%APR
- Terms
- up to 84 months
- Discount
- None included
Baton Rouge Telco FCU auto loan score
69
Auto loan score
Higher than 24% of U.S. banks and credit unions
- New vehicleNew5.09%
- Used vehicleUsed7.59%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Baton Rouge Telco FCU ranks
By auto loan score, in each area where it has branches
Every rate
Current auto loan rates
Rates from the credit union’s website. Most are “as low as” rates for the best credit; yours depends on your credit, the term and the vehicle.
Auto Loans
Rates include a 0.50% discount for Member Loyalty Discounts (requires an active checking relationship: open checking account with min monthly direct deposit of at least $750, active online/mobile banking login at least once every 90 days, and either min 10 debit card transactions/month or active credit card and at least 3 ACH transactions/month). Maximum financing is 125%.
| Terms | APR | Conditions |
|---|---|---|
| up to 60 months | 5.09% | 2027 - 2023 New or Used. Max. Term 60 Months. Min. Loan Amount $2,500. Max. Financing 125%. Rate includes 0.50% Member Loyalty Discount. |
| up to 72 months | 5.59% | 2027 - 2023 New or Used. Max. Term 72 Months. Min. Loan Amount $15,000. Max. Financing 125%. Rate includes 0.50% Member Loyalty Discount. |
| up to 84 months | 5.84% | 2027 - 2024 New or Used. Max. Term 84 Months. Min. Loan Amount $30,000. Max. Financing 125%. Rate includes 0.50% Member Loyalty Discount. |
| up to 60 months | 6.59% | 2022 - 2020 New or Used. Max. Term 60 Months. Min. Loan Amount $2,500. Max. Financing 125%. Rate includes 0.50% Member Loyalty Discount. |
| up to 60 months | 7.59% | 2019 - 2017 Used. Max. Term 60 Months. Min. Loan Amount $2,500. Max. Financing 125%. Rate includes 0.50% Member Loyalty Discount. |
| up to 60 months | 5.49% | Auto 2026 - 2022 New or Used. Max. Term 60 Months. Min. Loan Amount $500. Max. Financing 125%. Rate includes 0.50% discount for Member Loyalty Program. |
| up to 72 months | 5.99% | Auto 2026 - 2022 New or Used. Max. Term 72 Months. Min. Loan Amount $15,000. Max. Financing 125%. Rate includes 0.50% discount for Member Loyalty Program. |
| up to 84 months | 6.24% | Auto 2026 - 2023 New or Used. Max. Term 84 Months. Min. Loan Amount $30,000. Max. Financing 125%. Rate includes 0.50% discount for Member Loyalty Program. |
| up to 60 months | 6.99% | Auto 2021 - 2019 New or Used. Max. Term 60 Months. Min. Loan Amount $500. Max. Financing 125%. Rate includes 0.50% discount for Member Loyalty Program. |
| up to 60 months | 7.99% | Auto 2018 - 2016 Used. Max. Term 60 Months. Min. Loan Amount $500. Max. Financing 125%. Rate includes 0.50% discount for Member Loyalty Program. |
First Time Auto Buyer Program
Borrow up to $25,000. Skip co-signer for loan amounts up to $20,000. Maximum financing is 100% of invoiced value. Designed for borrowers with no previous auto loans on credit report. Requires minimum credit score of 620. Eligible for vehicles less than 10 years old with under 100,000 miles. Rates include a 0.50% Member Loyalty Discount with active checking relationship.
| Terms | APR | Conditions |
|---|---|---|
| up to 60 months | 8.09% | First Time Auto. Max. Term 60 Months. Min. Loan Amount $2,500. Max. Financing 100%. Rate includes 0.50% discount for Member Loyalty Program. Good for purchases newer than 10 years old with no more than 100,000 miles. Borrow up to $25,000 (skip co-signer up to $20,000). Credit score > 620 required. |
Sources (3)
All captured Oct 5, 2026
Who can join Baton Rouge Telco FCU
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Membership is open to anyone who lives, works, or attends school in Ascension, East Baton Rouge, East Feliciana, Iberville, Livingston, Pointe Coupee, Saint Helena, Tangipahoa, West Baton Rouge, or West Feliciana parish in Louisiana.
Family and household
- Parents, children, siblings, grandparents, grandchildren, stepparents, or stepchildren of Baton Rouge Telco members are eligible to join.
Cost to join
- Membership requires opening a savings account with a $5 minimum balance; no membership fee is required.
Membership information collected October 5, 2026.