Credit union · NCUA insured
Baton Rouge Telco FCU CD Rates
Top CarrotBaton Rouge Telco FCU’s best CD rate is 4.20% APY on a 4-year share certificate (CD). Terms run from 3 months to 5 years. Rates checked October 16, 2026.
How Baton Rouge Telco FCU’s CD rates compare
Compared with banks and credit unions near Baton Rouge, LA, where Baton Rouge Telco FCU has the most branches. $10,000, best rate first.
This credit union’s best
Baton Rouge Telco FCU
4.20%APY
- Term
- 48 months
- Minimum
- $500
- Earns on $10,000
- $1,789
Share Certificates
Top rate
La Capitol Federal Credit Union
4.50%APY
- Term
- 37 months
- Minimum
- $500
- Earns on $10,000
- $1,454
2nd-highest rate
Capital One
4.40%APY
- Term
- 11 months
- Minimum
- $0
- Earns on $10,000
- $403
Baton Rouge Telco FCU CD score
90
CD score
Higher than 91% of U.S. banks and credit unions
- 3–8 months3–8 mo4.00%
- 9–15 months9–15 mo4.10%
- 16–30 months16–30 mo4.10%
- 31–60 months31–60 mo4.20%
- QualifiedQualified4.20%
Each track runs from the lowest to the highest rate among U.S. banks and credit unions; the dot is this rate.Qualified: needs another account or monthly activity.
Where Baton Rouge Telco FCU ranks
By CD score, in each area where it has branches
Every rate
Current CD rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
Share Certificates
Up to 4.20%APY · 7 terms
Dividends are posted monthly based on the daily balance and compounded monthly. Variable rate accounts subject to change at any time. Penalties for early withdrawals may apply. Step-up options apply to two-year terms and up, where rate can jump once before maturity. Automatic renewal for the same term at the new APY with a 10-day grace period.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 months | 3.76% | $93 |
| 6 months | 4.00% | $198 |
| 12 months | 4.10% | $410 |
| 24 monthsStep-up option available where rate can jump once before maturity | 4.10% | $837 |
| 36 monthsStep-up option available where rate can jump once before maturity | 4.15% | $1,297 |
| 48 monthsStep-up option available where rate can jump once before maturity | 4.20% | $1,789 |
| 60 monthsStep-up option available where rate can jump once before maturity | 4.20% | $2,284 |
Special-purpose accounts
IRA Certificates
Up to 4.20%APY · 7 terms
Available as Traditional IRA or Roth IRA. Dividends posted monthly based on daily balance and compounded monthly. Variable rate accounts subject to change. Early withdrawal penalties apply (waived if over 72 and part of RMD, or upon death). Automatic renewal at maturity with a 10-day grace period.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 months | 3.76% | $93 |
| 6 months | 4.00% | $198 |
| 12 months | 4.10% | $410 |
| 24 monthsStep-up option available where rate can jump once before maturity | 4.10% | $837 |
| 36 monthsStep-up option available where rate can jump once before maturity | 4.15% | $1,297 |
| 48 monthsStep-up option available where rate can jump once before maturity | 4.20% | $1,789 |
| 60 monthsStep-up option available where rate can jump once before maturity | 4.20% | $2,284 |
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.