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BRECO Federal Credit Union

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BRECO Federal Credit Union Rates & Review November 2026

Q: What are the current interest rates at BRECO Federal Credit Union?

Current rates for BRECO Federal Credit Union include: 12-Month CD: 3.75%, 18-Month CD: 3.65%, 24-Month CD: 3.50%, 60-Month CD: 3.10%, Savings: 2.84%, MMA: 0.35%

Q: What CD terms does BRECO Federal Credit Union offer?

BRECO Federal Credit Union CD rates are 3.90% APY for a 9 month CD, 3.75% APY for a 12 month CD, 3.75% APY for a 13 month CD, 3.65% APY for an 18 month CD, 3.50% APY for a 2 year CD and 3.10% APY for a 5 year CD, verified by MonitorBankRates as of October 29, 2026. The institution may offer other terms or specials that are not listed here, so check with BRECO Federal Credit Union for its full lineup.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: October 29, 2026

BRECO Federal Credit Union's 9 Month Term CD rates are at 3.90%, 12 Month Term CD rates are at 3.75%, 13 Month Term CD rates are at 3.75%, 18 Month Term CD rates are at 3.65%, 24 Month Term CD rates are at 3.50%. BRECO Federal Credit Union's savings rates are at 2.84%. BRECO Federal Credit Union's money market rates are at 0.35%. BRECO Federal Credit Union's checking rates are as high as 5.10%. BRECO Federal Credit Union's Personal Loan Rates are as low as 9.49%. BRECO Federal Credit Union's Credit Card Rates are at 7.90%. BRECO Federal Credit Union's CD rates are 16% higher than the MonitorBankRates national average, and it has an A+ health rating. MonitorBankRates evaluates the financial stability of BRECO Federal Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 5.53%. Rates last updated and verified on 10/29/2026.

BRECO Federal Credit Union money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at BRECO Federal Credit Union? Share your experience about BRECO Federal Credit Union by leaving a review below, or read customer reviews before you decide to use BRECO Federal Credit Union.

Verified Healthy 2026 Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

A+

Exceptional Health Score: 97/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

5.53%

Excellent Lower than avg

Health Trend

Steady 12 quarters

Full history ›

BRECO Federal Credit Union
Corporate Office

5711 S Sherwood Forest Blvd
Baton Rouge, LA 70816

https://www.brecofcu.com

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Financial health data as of Q2 2026 (NCUA 5300 call report for the quarter ended June 30, 2026). This is the most recent call report available. The NCUA publishes credit union call reports about ten weeks after each quarter ends.

BRECO Federal Credit Union CD Rates

Product	Rate	APY	Term
9 Month Term Share Certificate	3.84%	3.90%	9 Months
Min Balance $500 Details Dividends Paid Monthly; Penalty may be imposed for early withdrawal on certificates. Fees could reduce earnings on all accounts. APY accurate as of 5/27/2026. Last Updated 10/29/2026 Rate History No change since Sep 21, 2026 · 3.90% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.53%
12 Month Term Share Certificate	3.69%	3.75%	12 Months
Min Balance $500 Details Dividends Paid Monthly; Penalty may be imposed for early withdrawal on certificates. Fees could reduce earnings on all accounts. APY accurate as of 5/27/2026. Last Updated 10/29/2026 Rate History No change since Sep 21, 2026 · 3.75% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.53%
13 Month Term Share Certificate	3.69%	3.75%	13 Months
Min Balance $500 Details Dividends Paid Monthly; Penalty may be imposed for early withdrawal on certificates. Fees could reduce earnings on all accounts. APY accurate as of 5/27/2026. Last Updated 10/29/2026 Rate History No change since Sep 21, 2026 · 3.75% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.53%
18 Month Term Share Certificate	3.59%	3.65%	18 Months
Min Balance $500 Details Dividends Paid Monthly; Penalty may be imposed for early withdrawal on certificates. Fees could reduce earnings on all accounts. APY accurate as of 5/27/2026. Last Updated 10/29/2026 Rate History No change since Sep 21, 2026 · 3.65% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.53%
24 Month Term Share Certificate	3.45%	3.50%	24 Months
Min Balance $500 Details Dividends Paid Monthly; Penalty may be imposed for early withdrawal on certificates. Fees could reduce earnings on all accounts. APY accurate as of 5/27/2026. Last Updated 10/29/2026 Rate History No change since Sep 21, 2026 · 3.50% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.53%
6 Month Term Share Certificate	3.20%	3.25%	6 Months
Min Balance $500 Details Dividends Paid Monthly; Penalty may be imposed for early withdrawal on certificates. Fees could reduce earnings on all accounts. APY accurate as of 5/27/2026. Last Updated 10/29/2026 Rate History No change since Sep 21, 2026 · 3.25% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.53%
36 Month Term Share Certificate	3.06%	3.10%	36 Months
Min Balance $500 Details Dividends Paid Monthly; Penalty may be imposed for early withdrawal on certificates. Fees could reduce earnings on all accounts. APY accurate as of 5/27/2026. Last Updated 10/29/2026 Rate History No change since Sep 21, 2026 · 3.10% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.53%
48 Month Term Share Certificate	3.06%	3.10%	48 Months
Min Balance $500 Details Dividends Paid Monthly; Penalty may be imposed for early withdrawal on certificates. Fees could reduce earnings on all accounts. APY accurate as of 5/27/2026. Last Updated 10/29/2026 Rate History No change since Sep 21, 2026 · 3.10% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.53%
60 Month Term Share Certificate	3.06%	3.10%	60 Months
Min Balance $500 Details Dividends Paid Monthly; Penalty may be imposed for early withdrawal on certificates. Fees could reduce earnings on all accounts. APY accurate as of 5/27/2026. Last Updated 10/29/2026 Rate History No change since Sep 21, 2026 · 3.10% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.53%

BRECO Federal Credit Union Savings Rates

Product	Rate	APY
Extended Insurance Savings	2.81%	2.84%
Min Deposit $25,000 Min Balance $500,000 Details Balance: $500,000 - $999,999; Dividends Paid Monthly; $25,000 minimum to open; $25,000 minimum to earn dividends. Fees could reduce earnings on all accounts. APY accurate as of 5/27/2026. Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 2.84% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.53%
Extended Insurance Savings	2.66%	2.69%
Min Deposit $25,000 Min Balance $250,000 Details Balance: $250,000 - $499,999; Dividends Paid Monthly; $25,000 minimum to open; $25,000 minimum to earn dividends. Fees could reduce earnings on all accounts. APY accurate as of 5/27/2026. Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 2.69% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.53%
Extended Insurance Savings	2.51%	2.53%
Min Deposit $25,000 Min Balance $100,000 Details Balance: $100,000 - $249,999; Dividends Paid Monthly; $25,000 minimum to open; $25,000 minimum to earn dividends. Fees could reduce earnings on all accounts. APY accurate as of 5/27/2026. Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 2.53% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.53%
Extended Insurance Savings	2.36%	2.38%
Min Deposit $25,000 Min Balance $25,000 Details Balance: $25,000 - $99,999; Dividends Paid Monthly; $25,000 minimum to open; $25,000 minimum to earn dividends. Fees could reduce earnings on all accounts. APY accurate as of 5/27/2026. Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 2.38% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.53%
IRA Share Rate	0.25%	0.25%
Min Balance $25 Details Dividends Paid Quarterly; Must maintain minimum average daily balance of $25.00 to earn dividends; APY accurate as of 5/27/2026 Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 0.25% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.53%
Regular Shares and Vacation/Christmas Club	0.10%	0.10%
Min Balance $25 Details Dividends Paid Quarterly; Must maintain minimum average daily balance of $25.00 to earn dividends; APY accurate as of 5/27/2026 Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 0.10% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.53%

BRECO Federal Credit Union Money Market Rates

Product	Rate	APY
Money Market	0.35%	0.35%
Min Deposit $1,000 Min Balance $100,000 Details Balance: $100,000 or greater; Dividends Paid Monthly; $2,500 minimum to earn dividends; Fees could reduce earnings on all accounts; APY accurate as of 5/27/2026 Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 0.35% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.53%
Money Market	0.30%	0.30%
Min Deposit $1,000 Min Balance $50,000 Details Balance: $50,000 - $99,999; Dividends Paid Monthly; $2,500 minimum to earn dividends; Fees could reduce earnings on all accounts; APY accurate as of 5/27/2026 Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 0.30% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.53%
Money Market	0.25%	0.25%
Min Deposit $1,000 Min Balance $25,000 Details Balance: $25,000 - $49,999; Dividends Paid Monthly; $2,500 minimum to earn dividends; Fees could reduce earnings on all accounts; APY accurate as of 5/27/2026 Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 0.25% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.53%
Money Market	0.20%	0.20%
Min Deposit $1,000 Min Balance $10,000 Details Balance: $10,000 - $24,999; Dividends Paid Monthly; $2,500 minimum to earn dividends; Fees could reduce earnings on all accounts; APY accurate as of 5/27/2026 Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 0.20% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.53%
Money Market	0.15%	0.15%
Min Deposit $1,000 Min Balance $2,500 Details Balance: $2,500 - $9,999; Dividends Paid Monthly; $2,500 minimum to earn dividends; Fees could reduce earnings on all accounts; APY accurate as of 5/27/2026 Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 0.15% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.53%

BRECO Federal Credit Union Checking Rates

Product	Rate	APY
Super-Charged (rewards) Checking	-	5.10%
Details Qualifications Required; Qualifying balance up to $10,000.00; Balances in excess of $10,000.00 earn 0.15% APY; No minimum balance requirements or monthly maintenance fees; Dividends credited monthly Last Updated 10/29/2026 Rate History 1 change since Oct 5, 2026 · 0.15% → 5.10% ▲ 4.95 pts · high 5.10% / low 0.15% Oct 15, 20265.10%▲ from 0.15% Oct 5, 20260.15%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.53%
Super-Charged Checking	4.99%	5.10%
Details Qualifying balance up to $10,000.00; Dividends Paid Monthly; APY accurate as of 5/27/2026 Last Updated 10/29/2026 Rate History 2 changes since Sep 14, 2026 · 5.10% → 5.10% ▼ 0.00 pts · high 5.10% / low 0.15% Oct 13, 20265.10%▲ from 0.15% Sep 21, 20260.15%▼ from 5.10% Sep 14, 20265.10%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.53%
Checking Accounts	0.05%	0.05%
Min Balance $100 Details Dividends Paid Monthly; Must maintain average daily balance of $100.00 to earn dividends. APY accurate as of 5/27/2026. Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 0.05% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.53%
My Money Teen and Student Checking	0.05%	0.05%
Details Dividends Paid Monthly; APY accurate as of 5/27/2026 Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 0.05% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.53%

BRECO Federal Credit Union Home Equity & HELOC

Product	Rate	Points	APR	Term
Home Equity - 0-60 Months	-	-	6.20%	0-60 months
Details As Low As; Home Equity Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 6.20% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.53%
Home Equity - 61-84 Months	-	-	6.20%	61-84 months
Details As Low As; Home Equity Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 6.20% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.53%
Home Equity Loan / Home Equity Line of Credit	-	-	6.20%	Up to 15 years
Details As Low As; 80% financing up to the appraised value less 1st mortgage; fixed rate home equity loan or variable rate HELOC, determined on term and credit history Last Updated 10/29/2026 Rate History No change since Oct 23, 2026 · 6.20% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.53%
Home Equity - 85-180 Months	-	-	6.95%	85-180 months
Details As Low As; Home Equity Last Updated 10/29/2026 Rate History No change since Oct 23, 2026 · 6.95% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.53%

BRECO Federal Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term
New/Used Auto - 0-36 Months	-	-	6.49%	0-36 months
Details As Low As; Up to 125% financing including TT&L, Gap Insurance, Extended Warranty, Debt Protection; Terms of 84 months over $30,000.00 Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 6.49% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.53%
New/Used Auto - 37-48 Months	-	-	6.49%	37-48 months
Details As Low As; Up to 125% financing including TT&L, Gap Insurance, Extended Warranty, Debt Protection; Terms of 84 months over $30,000.00 Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 6.49% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.53%
New/Used Auto - 49-60 Months	-	-	6.99%	49-60 months
Details As Low As; Up to 125% financing including TT&L, Gap Insurance, Extended Warranty, Debt Protection; Terms of 84 months over $30,000.00 Last Updated 10/29/2026 Rate History No change since Oct 23, 2026 · 6.99% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.53%
New/Used Auto - 61-72 Months	-	-	7.29%	61-72 months
Details As Low As; Up to 125% financing including TT&L, Gap Insurance, Extended Warranty, Debt Protection; Terms of 84 months over $30,000.00 Last Updated 10/29/2026 Rate History No change since Oct 23, 2026 · 7.29% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.53%
New/Used Auto - 73-84 Months	-	-	7.64%	73-84 months
Details As Low As; Up to 125% financing including TT&L, Gap Insurance, Extended Warranty, Debt Protection; Terms of 84 months over $30,000.00 Last Updated 10/29/2026 Rate History No change since Oct 23, 2026 · 7.64% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.53%

BRECO Federal Credit Union RV, Boat and Powersport Loan Rates

Product	Rate	APR	Term
New/Used Boats Loan	-	6.75%	0-48 Months
Details As Low As; Minimum rates apply to members with excellent credit criteria Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 6.75% APR · checked 12 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.53%
New/Used ATV, Dirt Bike, Jet Ski, Etc. Loan	-	6.99%	0-48 Months
Details As Low As; Minimum rates apply to members with excellent credit criteria Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 6.99% APR · checked 12 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.53%
New/Used Boats Loan	-	6.99%	49-60 Months
Details As Low As; Minimum rates apply to members with excellent credit criteria Last Updated 10/29/2026 Rate History No change since Sep 17, 2026 · 6.99% APR · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.53%
New/Used Boats Loan	-	6.99%	61-72 Months
Details As Low As; Minimum rates apply to members with excellent credit criteria Last Updated 10/29/2026 Rate History No change since Sep 17, 2026 · 6.99% APR · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.53%
New/Used Motorcycles Loan	-	6.99%	0-48 Months
Details As Low As; Minimum rates apply to members with excellent credit criteria Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 6.99% APR · checked 12 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.53%
New/Used Motor Homes, Travel Trailers, Horse Trailers, Etc. Loan	-	7.00%	0-36 Months
Details As Low As; Minimum rates apply to members with excellent credit criteria Last Updated 10/29/2026 Rate History No change since Sep 17, 2026 · 7.00% APR · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.53%
New/Used Motor Homes, Travel Trailers, Horse Trailers, Etc. Loan	-	7.00%	37-48 Months
Details As Low As; Minimum rates apply to members with excellent credit criteria Last Updated 10/29/2026 Rate History No change since Sep 17, 2026 · 7.00% APR · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.53%
New/Used ATV, Dirt Bike, Jet Ski, Etc. Loan	-	7.24%	49-60 Months
Details As Low As; Minimum rates apply to members with excellent credit criteria Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 7.24% APR · checked 12 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.53%
New/Used Motorcycles Loan	-	7.24%	49-60 Months
Details As Low As; Minimum rates apply to members with excellent credit criteria Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 7.24% APR · checked 12 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.53%
New/Used Motor Homes, Travel Trailers, Horse Trailers, Etc. Loan	-	7.39%	49-60 Months
Details As Low As; Minimum rates apply to members with excellent credit criteria Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 7.39% APR · checked 12 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.53%
New/Used Boats Loan	-	7.49%	73-84 Months
Details As Low As; Minimum rates apply to members with excellent credit criteria Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 7.49% APR · checked 12 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.53%
New/Used ATV, Dirt Bike, Jet Ski, Etc. Loan	-	7.64%	61-72 Months
Details As Low As; Minimum rates apply to members with excellent credit criteria Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 7.64% APR · checked 12 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.53%
New/Used Motor Homes, Travel Trailers, Horse Trailers, Etc. Loan	-	7.64%	61-72 Months
Details As Low As; Minimum rates apply to members with excellent credit criteria Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 7.64% APR · checked 12 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.53%
New/Used Motorcycles Loan	-	7.64%	61-72 Months
Details As Low As; Minimum rates apply to members with excellent credit criteria Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 7.64% APR · checked 12 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.53%
New/Used Motor Homes, Travel Trailers, Horse Trailers, Etc. Loan	-	7.84%	73-84 Months
Details As Low As; Minimum rates apply to members with excellent credit criteria Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 7.84% APR · checked 12 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.53%
New/Used Boats Loan	-	7.99%	85-120 Months
Details As Low As; Minimum rates apply to members with excellent credit criteria Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 7.99% APR · checked 12 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.53%
New/Used Motor Homes, Travel Trailers, Horse Trailers, Etc. Loan	-	8.14%	85-120 Months
Details As Low As; Minimum rates apply to members with excellent credit criteria Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 8.14% APR · checked 12 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.53%
New/Used ATV, Dirt Bike, Jet Ski, Etc. Loan	-	8.24%	73-84 Months
Details As Low As; Minimum rates apply to members with excellent credit criteria Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 8.24% APR · checked 12 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.53%
New/Used Motorcycles Loan	-	8.24%	73-84 Months
Details As Low As; Minimum rates apply to members with excellent credit criteria Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 8.24% APR · checked 12 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.53%
New/Used Motor Homes, Travel Trailers, Horse Trailers, Etc. Loan	-	8.44%	121-180 Months
Details As Low As; Minimum rates apply to members with excellent credit criteria Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 8.44% APR · checked 12 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.53%
New/Used Boats Loan	-	8.49%	121-144 Months
Details As Low As; Minimum rates apply to members with excellent credit criteria Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 8.49% APR · checked 12 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.53%
New/Used Boats Loan	-	9.49%	145-180 Months
Details As Low As; Minimum rates apply to members with excellent credit criteria Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 9.49% APR · checked 12 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.53%

BRECO Federal Credit Union Credit Card Rates

Product	Rate	APR	View More
Visa Platinum Credit Card	-	7.90%
Details As Low As Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 7.90% APR · checked 12 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.53%

BRECO Federal Credit Union Personal Loan Rates

Product	APR	Term
Signature Loan	9.49%	0-36 Months
Details As Low As; Borrow up to $40,000.00 for personal needs* ($40,000 household max) Last Updated 10/29/2026 Rate History No change since Sep 18, 2026 · 9.49% APR · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.53%
Signature Loan	10.49%	37-48 Months
Details As Low As; Borrow up to $40,000.00 for personal needs* ($40,000 household max) Last Updated 10/29/2026 Rate History No change since Sep 18, 2026 · 10.49% APR · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.53%
Signature Loan	11.24%	49-60 Months
Details As Low As; Borrow up to $40,000.00 for personal needs* ($40,000 household max) Last Updated 10/29/2026 Rate History No change since Sep 18, 2026 · 11.24% APR · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.53%

BRECO Federal Credit Union Other Rates

Product	Rate	Points	APY/APR	Term
Land Loans - 0-60 Months	-	-	5.20%	0-60 months
Details As Low As; Purchase acreage or raw land. Up to 100% Loan to Value Last Updated 10/29/2026 Rate History No change since Oct 23, 2026 · 5.20% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.53%
Land Loans - 121-180 Months	-	-	6.70%	121-180 months
Details As Low As; Purchase acreage or raw land. Up to 100% Loan to Value Last Updated 10/29/2026 Rate History No change since Oct 23, 2026 · 6.70% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.53%
Land Loans - 61-120 Months	-	-	5.45%	61-120 months
Details As Low As; Purchase acreage or raw land. Up to 100% Loan to Value Last Updated 10/29/2026 Rate History No change since Oct 23, 2026 · 5.45% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.53%
New/Used Tractors, Farm Equipment, Lawnmowers, Etc.	-	-	5.75%	0-36 Months
Details As Low As; Minimum rates apply to members with excellent credit criteria Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 5.75% APR · checked 12 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.53%
New/Used Tractors, Farm Equipment, Lawnmowers, Etc.	-	-	6.25%	37-48 Months
Details As Low As; Minimum rates apply to members with excellent credit criteria Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 6.25% APR · checked 12 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.53%
New/Used Tractors, Farm Equipment, Lawnmowers, Etc.	-	-	6.75%	49-60 Months
Details As Low As; Minimum rates apply to members with excellent credit criteria Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 6.75% APR · checked 12 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.53%
Redi-Cash Line Of Credit	-	-	9.99%
Details As Low As Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 9.99% APR · checked 12 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.53%
Extended Insurance Account	-	-	3.00%
Details Up to 3.00% APY; up to $20 million in NCUA insurance coverage Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 3.00% APY · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.53%

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Financial Health History

BRECO Federal Credit Union’s Texas Ratio rose from 3.07% in Q3 2023 to 5.53% in Q2 2026, so its financial health has held steady at a healthy level over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. Lower Texas Ratios are healthier; the green zone below the amber 15% line is where a credit union must stay to qualify for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures.

Swipe the chart sideways to see every quarter.

Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade15% Verified Healthy limit (green zone below = healthy)

How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops.

Show the quarterly figures

Quarter	Total assets	Texas Ratio	Star Rating	Health Grade
June 30, 2026	$51M	5.53%	5.0	A+
March 31, 2026	$52M	7.95%	5.0	A
December 31, 2025	$50M	9.26%	5.0	A
September 30, 2025	$50M	13.75%	5.0	A
June 30, 2025	$50M	18.33%	4.7	B+
March 31, 2025	$53M	17.99%	4.8	B+
December 31, 2024	$52M	15.94%	4.9	A-
September 30, 2024	$50M	13.98%	5.0	A
June 30, 2024	$51M	9.28%	5.0	A
March 31, 2024	$53M	8.43%	5.0	A
December 31, 2023	$51M	6.28%	5.0	A
September 30, 2023	$49M	3.07%	5.0	A+

Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.

Methodology & Data Sources

MonitorBankRates Star Rating

Our rating for BRECO Federal Credit Union is derived from comprehensive financial data published quarterly by the NCUA. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with member feedback (user reviews) to help you make informed banking decisions.

Texas Ratio

We calculate the Texas Ratio using standard industry methodology. This ratio compares the credit union's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.

Rate Data Aggregation

We gather BRECO Federal Credit Union rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.

Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions. It is always advisable to check with BRECO Federal Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name BRECO Federal Credit Union

Website https://www.brecofcu.com

Address 5711 S Sherwood Forest Blvd, Baton Rouge, LA 70816

Phone 225-273-1529

Fax

President James Freyder

CEO Joshua Poole

Full-Time Employees 14

Part-Time Employees 1

Branch Locations 3

ATM Locations 3

NCUA Insured ✓ Yes, up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A+ (97/100)

Texas Ratio

5.53%

Return on Assets (ROA)

-0.0385%

Return on Equity (ROE)

-0.3682%

Non-Performing Loans Ratio (NPL)

0.89%

Total Assets

50,675,513

Total Amount of Shares and Deposits

45,306,891

Total Shares and Deposits < 1 Year

43,524,329

Total Shares and Deposits 1 3 Years

1,275,612

Total Shares and Deposits > 3 Years

506,949

Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)

1,945,405

Total Uninsured Shares and Deposits > $250K (F+J)

1,945,405

Total Insured Shares and Deposits > $250K (item 17 less item K)

43,361,486

Total Interest Expense (Sum of items 6 8)

299,106

Share Certificates

225

Number of Accounts for Share Drafts

1,720

IRA KEOGH Accounts

Number of Accounts for Regular Shares

3,906

Non Member Deposits

Money Market Shares

Net Income (unless the amount is already included in Undivided Earnings)

-19,498

Net Worth Classification if credit union is not new (Based upon Call Report data only See instructions)

Well Capitalized

Net Worth Classification if credit union is a new credit union

Well Capitalized

Total Cash on Deposit (Amounts Deposited in Financial Institutions)

7,518,513

Total Liabilities

45,379,780

Source: NCUA — Last Updated 06/30/2026

2026 MBR Health & Safety Badge

BRECO Federal Credit Union earned the Verified Healthy badge

Display this badge on your website to show visitors your 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.

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Learn more about the MBR Health & Safety Badge program on our methodology page.

Customer Reviews

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Frequently Asked Questions About BRECO Federal Credit Union

Does BRECO Federal Credit Union offer CDs?

Yes. BRECO Federal Credit Union current CD rates include its 9 Month Term CD at 3.90% APY, its 12 Month Term CD at 3.75% APY and its 13 Month Term CD at 3.75% APY, verified by MonitorBankRates as of October 29, 2026.

Are CDs from BRECO Federal Credit Union NCUA insured?

Yes. BRECO Federal Credit Union is insured by the National Credit Union Administration (NCUA), so CDs opened there are insured up to $250,000 per depositor, per ownership category.

What is the highest CD rate at BRECO Federal Credit Union?

The highest BRECO Federal Credit Union CD rate is its 9 Month Term CD at 3.90% APY, verified by MonitorBankRates as of October 29, 2026.

What CD terms does BRECO Federal Credit Union offer?

BRECO Federal Credit Union CD rates are 3.90% APY for a 9 month CD, 3.75% APY for a 12 month CD, 3.75% APY for a 13 month CD, 3.65% APY for an 18 month CD, 3.50% APY for a 2 year CD and 3.10% APY for a 5 year CD, verified by MonitorBankRates as of October 29, 2026. The institution may offer other terms or specials that are not listed here, so check with BRECO Federal Credit Union for its full lineup.

What is the highest savings rate at BRECO Federal Credit Union?

The highest BRECO Federal Credit Union savings rate is its Extended Insurance Savings at 2.84% APY, verified by MonitorBankRates as of October 29, 2026.

What is the highest money market rate at BRECO Federal Credit Union?

The highest BRECO Federal Credit Union money market rate is its Money Market at 0.35% APY, verified by MonitorBankRates as of October 29, 2026.

What is the highest checking rate at BRECO Federal Credit Union?

The highest BRECO Federal Credit Union checking rate is its Super-Charged (rewards) Checking at 5.10% APY, verified by MonitorBankRates as of October 29, 2026.

What is the lowest auto loan rate at BRECO Federal Credit Union?

The lowest BRECO Federal Credit Union auto loan rate is its New/Used Auto - 0-36 Months at 6.49% APR, verified by MonitorBankRates as of October 29, 2026. BRECO Federal Credit Union auto loan rates are 6.49% APR for a 36 month auto loan, 6.49% APR for a 48 month auto loan, 6.99% APR for a 60 month auto loan, 7.29% APR for a 72 month auto loan and 7.64% APR for an 84 month auto loan.

What is the lowest personal loan rate at BRECO Federal Credit Union?

The lowest BRECO Federal Credit Union personal loan rate is its Signature Loan at 9.49% APR, verified by MonitorBankRates as of October 29, 2026.

What is the lowest credit card APR at BRECO Federal Credit Union?

The lowest BRECO Federal Credit Union credit card APR is its Visa Platinum Credit Card at 7.90% APR, verified by MonitorBankRates as of October 29, 2026.

How many branches does BRECO Federal Credit Union operate?

BRECO Federal Credit Union currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is a member application needed to join BRECO Federal Credit Union?

Yes, to access services at BRECO Federal Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations.

Is there a first-time homebuyer program?

Currently, BRECO Federal Credit Union does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Are credit management and repair services offered?

While formal credit repair services are not currently listed, BRECO Federal Credit Union provides members with tools to manage their accounts and build a solid financial history.

Does BRECO Federal Credit Union offer online and mobile banking?

Most modern institutions like BRECO Federal Credit Union provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.brecofcu.com.

Are all CD rates listed on MonitorBankRates federally insured?

Most are. Banks are insured by the FDIC and most credit unions by the NCUA, up to $250,000 per depositor, per ownership category. A small number of credit unions are privately insured instead, and we label them on their pages. MonitorBankRates is not a bank or credit union; deposit insurance comes from the institution where you open the account.

I want to open a CD with an institution listed on MonitorBankRates. How do I open the account?

You open the account directly with the bank or credit union. Use the View button next to a rate to go to the institution's website, then apply online, by phone or at a branch. Credit unions require membership, so you may need to join first. Confirm the current rate and terms with the institution before you deposit.

If I open a CD I found on MonitorBankRates, is my account with MonitorBankRates or the institution?

Your account is with the financial institution. MonitorBankRates is a rate comparison site; we do not open accounts, hold deposits or handle your money.

Why are some CD offers not available for me to open?

Some offers are limited to certain states or local areas, require membership in the credit union, need a minimum deposit, or were promotions that have since ended. Rates can also change after we verify them. The institution's website has the current eligibility rules.

How do BRECO Federal Credit Union rates compare?

BRECO Federal Credit Union's CD rates are 16% higher than the MonitorBankRates national average, and it has an A+ health rating. BRECO Federal Credit Union's top rates are its 9 Month Term CD at 3.90% APY, its Extended Insurance Savings at 2.84% APY, its Money Market at 0.35% APY, its Super-Charged (rewards) Checking at 5.10% APY, its Signature Loan at 9.49% APR and its Visa Platinum Credit Card at 7.90% APR, verified by MonitorBankRates on October 29, 2026.

Current BRECO Federal Credit Union Rates

12-Month CD3.75%
18-Month CD3.65%
24-Month CD3.50%
60-Month CD3.10%
Savings2.84%
MMA0.35%

Retrieved from our database of financial products. Rates subject to change.

Compare to Other Credit Unions

BRECO Federal Credit Union Rates & Review November 2026

Brian McKay

Overall Health & Safety Grade

MonitorBankRates Star Rating

BRECO Federal Credit Union Texas Ratio

BRECO Federal Credit Union Health Trend

BRECO Federal Credit Union CD Rates

BRECO Federal Credit Union Savings Rates

BRECO Federal Credit Union Money Market Rates

BRECO Federal Credit Union Checking Rates

BRECO Federal Credit Union Home Equity & HELOC

BRECO Federal Credit Union Auto Loan Rates

BRECO Federal Credit Union RV, Boat and Powersport Loan Rates

BRECO Federal Credit Union Credit Card Rates

BRECO Federal Credit Union Personal Loan Rates

BRECO Federal Credit Union Other Rates

Financial Health History

Methodology & Data Sources

Credit Union Profile & Overview

Financials

BRECO Federal Credit Union earned the Verified Healthy badge

Customer Reviews

Frequently Asked Questions About BRECO Federal Credit Union

Does BRECO Federal Credit Union offer CDs?

Are CDs from BRECO Federal Credit Union NCUA insured?

What is the highest CD rate at BRECO Federal Credit Union?

What CD terms does BRECO Federal Credit Union offer?

What is the highest savings rate at BRECO Federal Credit Union?

What is the highest money market rate at BRECO Federal Credit Union?

What is the highest checking rate at BRECO Federal Credit Union?

What is the lowest auto loan rate at BRECO Federal Credit Union?

What is the lowest personal loan rate at BRECO Federal Credit Union?

What is the lowest credit card APR at BRECO Federal Credit Union?

How many branches does BRECO Federal Credit Union operate?

Is a member application needed to join BRECO Federal Credit Union?

Is there a first-time homebuyer program?

Are credit management and repair services offered?

Does BRECO Federal Credit Union offer online and mobile banking?

Are all CD rates listed on MonitorBankRates federally insured?

I want to open a CD with an institution listed on MonitorBankRates. How do I open the account?

If I open a CD I found on MonitorBankRates, is my account with MonitorBankRates or the institution?

Why are some CD offers not available for me to open?

How do BRECO Federal Credit Union rates compare?

Current BRECO Federal Credit Union Rates

Compare to Other Credit Unions