Credit union · NCUA insured
BRECO FCU CD Rates
Top CarrotBRECO FCU’s best CD rate is 3.90% APY on a 9-month share certificate (CD). Terms run from 6 months to 5 years. Rates checked October 16, 2026.
How BRECO FCU’s CD rates compare
Compared with banks and credit unions near Baton Rouge, LA, where BRECO FCU has the most branches. $10,000, best rate first.
This credit union’s best
BRECO FCU
3.90%APY
- Term
- 9 months
- Minimum
- $500
- Earns on $10,000
- $291
Share Certificates/CDs
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
BRECO FCU CD score
80
CD score
Higher than 52% of U.S. banks and credit unions
- 3–8 months3–8 mo3.25%
- 9–15 months9–15 mo3.90%
- 16–30 months16–30 mo3.65%
- 31–60 months31–60 mo3.10%
- QualifiedQualified3.90%
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 BRECO 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/CDs
Up to 3.90%APY · 9 terms
Minimum deposit amount of $500.00. Dividends compounded monthly and paid monthly. Flexible terms from 6 months to 5 years. Upon maturity, certificate will renew at the rate offered at that time. Penalties may reduce earnings on early withdrawals.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 monthsDividends paid monthly. Penalty may be imposed for early withdrawal | 3.25% | $161 |
| 9 monthsDividends paid monthly. Penalty may be imposed for early withdrawal | 3.90% | $291 |
| 12 monthsDividends paid monthly. Penalty may be imposed for early withdrawal | 3.75% | $375 |
| 13 monthsDividends paid monthly. Penalty may be imposed for early withdrawal | 3.75% | $407 |
| 18 monthsDividends paid monthly. Penalty may be imposed for early withdrawal | 3.65% | $552 |
| 24 monthsDividends paid monthly. Penalty may be imposed for early withdrawal | 3.50% | $712 |
| 36 monthsDividends paid monthly. Penalty may be imposed for early withdrawal | 3.10% | $959 |
| 48 monthsDividends paid monthly. Penalty may be imposed for early withdrawal | 3.10% | $1,299 |
| 60 monthsDividends paid monthly. Penalty may be imposed for early withdrawal | 3.10% | $1,649 |
Special-purpose accounts
IRA Share Certificates
Up to 3.90%APY · 9 terms
IRA Share Certificates available with a minimum deposit of $500.00. No monthly fees. Dividends are paid monthly. A dividend penalty will be imposed for early withdrawal from term accounts.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 monthsDividends paid monthly. Penalty may be imposed for early withdrawal | 3.25% | $161 |
| 9 monthsDividends paid monthly. Penalty may be imposed for early withdrawal | 3.90% | $291 |
| 12 monthsDividends paid monthly. Penalty may be imposed for early withdrawal | 3.75% | $375 |
| 13 monthsDividends paid monthly. Penalty may be imposed for early withdrawal | 3.75% | $407 |
| 18 monthsDividends paid monthly. Penalty may be imposed for early withdrawal | 3.65% | $552 |
| 24 monthsDividends paid monthly. Penalty may be imposed for early withdrawal | 3.50% | $712 |
| 36 monthsDividends paid monthly. Penalty may be imposed for early withdrawal | 3.10% | $959 |
| 48 monthsDividends paid monthly. Penalty may be imposed for early withdrawal | 3.10% | $1,299 |
| 60 monthsDividends paid monthly. Penalty may be imposed for early withdrawal | 3.10% | $1,649 |
Who can join BRECO FCU
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Individuals who live, work, worship, or attend school in the underserved designations of specified Louisiana parishes are eligible for membership.
Employers and groups
- Employees, members, or retirees of qualifying partner companies and associations are eligible to join.
Family and household
- Immediate family members of an existing BRECO FCU member are eligible for membership.
Cost to join
- Membership requires opening a Share Account with a deposit of $5.00 or more.
Membership information collected October 5, 2026.