Baton Rouge Telco Federal Credit Union

Baton Rouge Telco Federal Credit Union Locations

13404 Airline Hwy.
Baton Rouge, LA 70817
(800) 634-3044
www.brtelco.org

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Baton Rouge Telco Federal Credit Union is headquartered in Baton Rouge and is the 10^st largest credit union in the state of Louisiana. It is also the 833^rd largest credit union in the nation. It was established in 1936 and as of December of 2011, it had grown to 57 employees and 22,030 members. Baton Rouge Telco Federal Credit Union's savings rates are 3X the national average, and it boasts a 5-star health rating.

Competitive Long-Term CD Rates at Baton Rouge Telco FCU in Louisiana - Local Only - 10/12/2010

Baton Rouge Telco Federal Credit Union is offering several competitive CD and IRA CD rates. The best ones include a 3.05% APY 5-year CD, a 2.65% APY 4-year CD and a 2.30% APY 3-year CD. These CD rates ...

2.76% 12-Month CD & Other Competitive CD Rates at Baton Rouge Telco FCU in Louisiana - 4/6/2009

Baton Rouge Telco FCU is offering some competitive CD rates. The most competitive include a 2.55% APY 6-month CD, a 2.76% APY 12-month CD and a 3.20% APY 24-month CD. Minimum deposit is $500. These are available for both regular and IRA certificates....

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See Rates for: Checking | Savings | Money Market | CD | IRA

Baton Rouge Telco Federal Credit Union Checking Account Rates

	Apy	Min	Max	Product
	0.15%	-	-	Elite Share Draft Account

Baton Rouge Telco Federal Credit Union Savings Account Rates

Apy	Min	Max	Product
1.76%	-	-	All Star Savers Account
0.65%	-	-	IRA Savings
0.65%	-	-	Roth IRA Savings
0.65%	-	-	CESA Savings
0.20%	-	-	Regular Share Account
0.20%	-	-	Special Savings Account
0.20%	-	-	Christmas Club Account

Baton Rouge Telco Federal Credit Union Money Market Rates

	Apy	Min	Max	Product
	0.25%	$2,500	-	Money Market Account

Baton Rouge Telco Federal Credit Union CD Rates

Apy	Min	Max	Product
2.02%	$500	-	5 Year CD - 1 Time Bump
1.81%	$500	-	4 Year CD - 1 Time Bump
1.56%	$500	-	3 Year CD - 1 Time Bump
1.21%	$500	-	2 Year CD - 1 Time Bump
0.80%	$500	-	1 Year CD
0.60%	$500	-	6 Month CD
0.30%	$500	-	3 Month CD

Baton Rouge Telco Federal Credit Union IRA Rates

Apy	Min	Max	Product
2.02%	$500	-	5 Year IRA - 1 Time Bump
2.02%	$500	-	5 Year Roth IRA - 1 Time Bump
2.02%	$500	-	5 Year CESA - 1 Time Bump
1.81%	$500	-	4 Year IRA - 1 Time Bump
1.81%	$500	-	4 Year Roth IRA - 1 Time Bump
1.81%	$500	-	4 Year CESA - 1 Time Bump
1.56%	$500	-	3 Year IRA - 1 Time Bump
1.56%	$500	-	3 Year Roth IRA - 1 Time Bump
1.56%	$500	-	3 Year CESA - 1 Time Bump
1.21%	$500	-	2 Year IRA - 1 Time Bump
1.21%	$500	-	2 Year Roth IRA - 1 Time Bump
1.21%	$500	-	2 Year CESA - 1 Time Bump
0.80%	$500	-	1 Year IRA
0.80%	$500	-	1 Year Roth IRA
0.80%	$500	-	1 Year CESA
0.60%	$500	-	6 Month IRA
0.60%	$500	-	6 Month Roth IRA
0.60%	$500	-	6 Month CESA
0.30%	$500	-	3 Month IRA
0.30%	$500	-	3 Month Roth IRA
0.30%	$500	-	3 Month CESA

Rates updated: 5/23/2012

Data for Q4 2011

Institution Statistics

BATON ROUGE TELCO
NCUA #	1726
BankRate Report	View
Year Chartered	1936
Employees	57
Primary Regulator
Assets and Liabilities
Assets	$211.13 million
Loans	$161.36 million
Deposits	$189.27 million
Equity Capital	$21.52 million
Loan Loss Allowance	$1.15 million
Unbacked Noncurrent Loans	$1.17 million
Historic Data - December 2010
Assets	$183.89 million
Equity Capital	$18.55 million
Loan Loss Allowance	$1.34 million
Unbacked Noncurrent Loans	$1.52 million
Profit Margin - Quarterly
Net Interest Margin	3.94%
Return on Assets	1.36%
Return on Equity	13.37%
Interest Income	$9.58 million
Non-Interest Income	$3.13 million

Institution Health

Overall Score:

5 out of 5

Texas Ratio
The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of December 31, 2011 Baton Rouge Telco Federal Credit Union had $1.17 million in non-current loans and owned real-estate with $22.67 million in equity and loan loss allowances on hand to cover it. This gives Baton Rouge Telco Federal Credit Union a Texas Ratio of 5.14% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.
Texas Ratio Trend
The Texas Ratio for Baton Rouge Telco Federal Credit Union decreased slightly from 7.63% as of December 31, 2010 to 5.14% as of December 31, 2011, resulting in a positive change of 32.62%.This indicates that the balance sheet and financial strength for Baton Rouge Telco Federal Credit Union has improved slightly in recent periods.
Deposit Growth
In the past year, Baton Rouge Telco Federal Credit Union has increased its total deposits by $24.09 million, resulting in 14.58% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Baton Rouge Telco Federal Credit Union has shown is excellent.
Capitalization
Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Baton Rouge Telco Federal Credit Union has $211.12 million in assets with $22.67 million in equity, resulting in a capitalization level of 10.74%, which is above average.