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BRECO Federal Credit Union Rates & Review October 2026
Content reviewed by
Brian McKay
Brian McKay
Founder & Data Architect
Expertise
Automated Online Rate Data Aggregation
Location-Based Rate Tables
Bank & Credit Union Health Safety Ratings
Bank & Credit Union Star Ratings
Finance Calculators
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
|✓Fact Checked|Rates Last Updated and Verified: October 9, 2026
BRECO Federal Credit Union's top rates as of October 9, 2026 are 3.90% APY on its 9 Month Term CD & IRA, 2.84% APY on savings, 0.35% APY on money market accounts, 5.10% APY on checking, personal loans from 9.49% APR, and credit cards from 7.90% APR, according to rates verified by MonitorBankRates. Other BRECO Federal Credit Union CD rates include 12 Month Term CD & IRA at 3.75%, 13 Month Term CD & IRA at 3.75%, and 18 Month Term CD & IRA at 3.65%. 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 10/09/2026.
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.
BRECO Federal Credit Union has earned an overall safety grade of A+ (Exceptional, Score: 97/100).
This proprietary letter grade is calculated by combining the institution's Star Rating with its Texas Ratio, providing a straightforward indicator of its financial stability and reliability.
Grades range from A+ (Exceptional) to F (High Risk) based on objective NCUA regulatory data.
MonitorBankRates Rating
?
5.0
ExceptionalOut of 5.0 Stars
MonitorBankRates Star Rating
BRECO Federal Credit Union has earned a Star Rating of 5.0 out of 5 stars (Exceptional).
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
?
5.53%
ExcellentLower than avg
BRECO Federal Credit Union Texas Ratio
BRECO Federal Credit Union's Texas Ratio is 5.53%, which is considered excellent and is lower than the national average of 6.13%.
BRECO Federal Credit Union has a very low volume of non-performing assets compared to its available capital, signifying a strong balance sheet.
The Texas Ratio compares non-performing assets to tangible common equity and loan loss reserves. Lower is better.
3.07% to 5.53% over 12 quarters, steadyFull history
Star Rating 5.0 to 5.0, Health Grade A+ to A+
The Texas Ratio for this credit union has held steady at a healthy level since Q3 2023. Lower is healthier; the amber line is the 15% level required for the MBR Verified Healthy badge.
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
View More
9 Month Term Share Certificate & IRA
3.84%
3.90%
9 Months
Min Deposit$500
DetailsDividends 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 Updated10/09/2026
Rate History
No change since Oct 9, 2026 · 3.90% APY
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.53%
12 Month Term Share Certificate & IRA
3.69%
3.75%
12 Months
Min Deposit$500
DetailsDividends 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 Updated10/09/2026
Rate History
No change since Oct 9, 2026 · 3.75% APY
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.53%
13 Month Term Share Certificate & IRA
3.69%
3.75%
13 Months
Min Deposit$500
DetailsDividends 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 Updated10/09/2026
Rate History
No change since Oct 9, 2026 · 3.75% APY
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.53%
18 Month Term Share Certificate & IRA
3.59%
3.65%
18 Months
Min Deposit$500
DetailsDividends 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 Updated10/09/2026
Rate History
No change since Oct 9, 2026 · 3.65% APY
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.53%
24 Month Term Share Certificate & IRA
3.45%
3.50%
24 Months
Min Deposit$500
DetailsDividends 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 Updated10/09/2026
Rate History
No change since Oct 9, 2026 · 3.50% APY
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.53%
6 Month Term Share Certificate & IRA
3.20%
3.25%
6 Months
Min Deposit$500
DetailsDividends 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 Updated10/09/2026
Rate History
No change since Oct 9, 2026 · 3.25% APY
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.53%
36 Month Term Share Certificate & IRA
3.06%
3.10%
36 Months
Min Deposit$500
DetailsDividends 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 Updated10/09/2026
Rate History
No change since Oct 9, 2026 · 3.10% APY
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.53%
48 Month Term Share Certificate & IRA
3.06%
3.10%
48 Months
Min Deposit$500
DetailsDividends 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 Updated10/09/2026
Rate History
No change since Oct 9, 2026 · 3.10% APY
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.53%
60 Month Term Share Certificate & IRA
3.06%
3.10%
60 Months
Min Deposit$500
DetailsDividends 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 Updated10/09/2026
Rate History
No change since Oct 9, 2026 · 3.10% APY
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.53%
BRECO Federal Credit Union Savings Rates
Product
Rate
APY
View More
Extended Insurance Savings
2.81%
2.84%
Min Deposit$25,000
Min Balance$500,000
DetailsBalance: $500,000 - $999,999; Dividends Paid Monthly; Fees could reduce earnings on all accounts. APY accurate as of 5/27/2026.
Last Updated10/09/2026
Rate History
No change since Sep 14, 2026 · 2.84% APY · checked 6 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
DetailsBalance: $250,000 - $499,999; Dividends Paid Monthly; Fees could reduce earnings on all accounts. APY accurate as of 5/27/2026.
Last Updated10/09/2026
Rate History
No change since Sep 14, 2026 · 2.69% APY · checked 6 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
DetailsBalance: $100,000 - $249,999; Dividends Paid Monthly; Fees could reduce earnings on all accounts. APY accurate as of 5/27/2026.
Last Updated10/09/2026
Rate History
No change since Sep 14, 2026 · 2.53% APY · checked 6 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
DetailsBalance: $25,000 - $99,999; Dividends Paid Monthly; Fees could reduce earnings on all accounts. APY accurate as of 5/27/2026.
Last Updated10/09/2026
Rate History
No change since Sep 14, 2026 · 2.38% APY · checked 6 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
DetailsDividends Paid Quarterly. APY accurate as of 5/27/2026.
Last Updated10/09/2026
Rate History
No change since Sep 14, 2026 · 0.10% APY · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.53%
BRECO Federal Credit Union Money Market Rates
Product
Rate
APY
View More
Money Market
0.35%
0.35%
Min Deposit$1,000
Min Balance$100,000
DetailsBalance: $100,000 or greater; Dividends Paid Monthly; $1,000 minimum to open; $2,500 minimum to earn dividends. Fees could reduce earnings on all accounts. APY accurate as of 5/27/2026.
Last Updated10/09/2026
Rate History
No change since Sep 14, 2026 · 0.35% APY · checked 6 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
DetailsBalance: $50,000 - $99,999; Dividends Paid Monthly; $1,000 minimum to open; $2,500 minimum to earn dividends. Fees could reduce earnings on all accounts. APY accurate as of 5/27/2026.
Last Updated10/09/2026
Rate History
No change since Sep 14, 2026 · 0.30% APY · checked 6 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
DetailsBalance: $25,000 - $49,999; Dividends Paid Monthly; $1,000 minimum to open; $2,500 minimum to earn dividends. Fees could reduce earnings on all accounts. APY accurate as of 5/27/2026.
Last Updated10/09/2026
Rate History
No change since Sep 14, 2026 · 0.25% APY · checked 6 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
DetailsBalance: $10,000 - $24,999; Dividends Paid Monthly; $1,000 minimum to open; $2,500 minimum to earn dividends. Fees could reduce earnings on all accounts. APY accurate as of 5/27/2026.
Last Updated10/09/2026
Rate History
No change since Sep 14, 2026 · 0.20% APY · checked 6 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
DetailsBalance: $2,500 - $9,999; Dividends Paid Monthly; $1,000 minimum to open; $2,500 minimum to earn dividends. Fees could reduce earnings on all accounts. APY accurate as of 5/27/2026.
Last Updated10/09/2026
Rate History
No change since Sep 14, 2026 · 0.15% APY · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.53%
BRECO Federal Credit Union Checking Rates
Product
Rate
APY
View More
Super-Charged (rewards) Checking
-
5.10%
Min Balance$10,000
DetailsQualifications Required: 15 debit card transactions (non ATM) per month; at least one direct deposit; e-statements; Balances up to $10,000.00 will be credited with an interest rate of 5.10% APY. Balances in excess of $10,000.00 will be credited with an interest rate of 0.15% APY. If the qualifiers are not met for the current statement cycle, the account will be paid an interest rate of 0.15% APY on the entire balance.
Last Updated10/09/2026
Rate History
No change since Sep 29, 2026 · 5.10% APY · checked 3 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.53%
Super-Charged Checking
4.99%
5.10%
Min Balance$10,000
DetailsQualifications Required: Dividends Paid Monthly; Balances up to $10,000.00 will be credited 5.10% APY. Balances in excess of $10,000.00 will be credited 0.15% APY. APY accurate as of 5/27/2026.
Last Updated10/09/2026
Rate History
No change since Sep 21, 2026 · 5.10% APY · checked 4 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.53%
Super-Charged (rewards) Checking
-
0.15%
Min Balance$10,000
DetailsQualifications Required: 15 debit card transactions (non ATM) per month; at least one direct deposit; e-statements; Balances up to $10,000.00 will be credited with an interest rate of 5.10% APY. Balances in excess of $10,000.00 will be credited with an interest rate of 0.15% APY. If the qualifiers are not met for the current statement cycle, the account will be paid an interest rate of 0.15% APY on the entire balance.
Last Updated10/09/2026
Rate History
No change since Oct 9, 2026 · 0.15% APY
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.53%
Checking Accounts
0.05%
0.05%
Min Balance$100
DetailsDividends Paid Monthly. APY accurate as of 5/27/2026.
Last Updated10/09/2026
Rate History
No change since Sep 14, 2026 · 0.05% APY · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.53%
My Money Teen and Student Checking
0.05%
0.05%
DetailsDividends Paid Monthly; APY accurate as of 5/27/2026.
Last Updated10/09/2026
Rate History
No change since Sep 14, 2026 · 0.05% APY · checked 6 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
View More
Home Equity
-
-
6.20%
0-60 Months
No additional details.
Last Updated10/09/2026
Rate History
No change since Sep 18, 2026 · 6.20% APR · checked 7 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.53%
Home Equity
-
-
6.20%
61-84 Months
No additional details.
Last Updated10/09/2026
Rate History
No change since Sep 18, 2026 · 6.20% APR · checked 7 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.53%
Home Equity
-
-
6.95%
85-180 Months
No additional details.
Last Updated10/09/2026
Rate History
No change since Sep 14, 2026 · 6.95% APR · checked 8 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
View More
New/Used Auto
-
-
6.49%
0-36 Months
DetailsUp to 125% financing including TT&L, Gap Insurance, Extended Warranty, Debt Protection; Terms of 84 months over $30,000.00
Last Updated10/09/2026
Rate History
No change since Sep 17, 2026 · 6.49% APR · checked 7 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.53%
New/Used Auto
-
-
6.49%
37-48 Months
DetailsUp to 125% financing including TT&L, Gap Insurance, Extended Warranty, Debt Protection; Terms of 84 months over $30,000.00
Last Updated10/09/2026
Rate History
No change since Sep 17, 2026 · 6.49% APR · checked 7 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.53%
New/Used Auto
-
-
6.99%
49-60 Months
DetailsUp to 125% financing including TT&L, Gap Insurance, Extended Warranty, Debt Protection; Terms of 84 months over $30,000.00
Last Updated10/09/2026
Rate History
No change since Sep 14, 2026 · 6.99% APR · checked 8 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.53%
New/Used Auto
-
-
7.29%
61-72 Months
DetailsUp to 125% financing including TT&L, Gap Insurance, Extended Warranty, Debt Protection; Terms of 84 months over $30,000.00
Last Updated10/09/2026
Rate History
No change since Sep 14, 2026 · 7.29% APR · checked 8 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.53%
New/Used Auto
-
-
7.64%
73-84 Months
DetailsUp to 125% financing including TT&L, Gap Insurance, Extended Warranty, Debt Protection; Terms of 84 months over $30,000.00
Last Updated10/09/2026
Rate History
No change since Sep 14, 2026 · 7.64% APR · checked 8 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
View More
New/Used Boats Loan
-
6.75%
0-48 Months
DetailsAs Low As
Last Updated10/09/2026
Rate History
No change since Sep 14, 2026 · 6.75% APR · checked 8 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
DetailsAs Low As
Last Updated10/09/2026
Rate History
No change since Sep 14, 2026 · 6.99% APR · checked 8 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.53%
New/Used Boats Loan
-
6.99%
49-60 Months
DetailsAs Low As
Last Updated10/09/2026
Rate History
No change since Sep 17, 2026 · 6.99% APR · checked 7 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.53%
New/Used Boats Loan
-
6.99%
61-72 Months
DetailsAs Low As
Last Updated10/09/2026
Rate History
No change since Sep 17, 2026 · 6.99% APR · checked 7 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.53%
New/Used Motorcycles Loan
-
6.99%
0-48 Months
DetailsAs Low As
Last Updated10/09/2026
Rate History
No change since Sep 14, 2026 · 6.99% APR · checked 8 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
DetailsAs Low As
Last Updated10/09/2026
Rate History
No change since Sep 17, 2026 · 7.00% APR · checked 7 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
DetailsAs Low As
Last Updated10/09/2026
Rate History
No change since Sep 17, 2026 · 7.00% APR · checked 7 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
DetailsAs Low As
Last Updated10/09/2026
Rate History
No change since Sep 14, 2026 · 7.24% APR · checked 8 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.53%
New/Used Motorcycles Loan
-
7.24%
49-60 Months
DetailsAs Low As
Last Updated10/09/2026
Rate History
No change since Sep 14, 2026 · 7.24% APR · checked 8 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
DetailsAs Low As
Last Updated10/09/2026
Rate History
No change since Sep 14, 2026 · 7.39% APR · checked 8 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.53%
New/Used Boats Loan
-
7.49%
73-84 Months
DetailsAs Low As
Last Updated10/09/2026
Rate History
No change since Sep 14, 2026 · 7.49% APR · checked 8 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
DetailsAs Low As
Last Updated10/09/2026
Rate History
No change since Sep 14, 2026 · 7.64% APR · checked 8 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
DetailsAs Low As
Last Updated10/09/2026
Rate History
No change since Sep 14, 2026 · 7.64% APR · checked 8 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.53%
New/Used Motorcycles Loan
-
7.64%
61-72 Months
DetailsAs Low As
Last Updated10/09/2026
Rate History
No change since Sep 14, 2026 · 7.64% APR · checked 8 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
DetailsAs Low As
Last Updated10/09/2026
Rate History
No change since Sep 14, 2026 · 7.84% APR · checked 8 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.53%
New/Used Boats Loan
-
7.99%
85-120 Months
DetailsAs Low As
Last Updated10/09/2026
Rate History
No change since Sep 14, 2026 · 7.99% APR · checked 8 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
DetailsAs Low As
Last Updated10/09/2026
Rate History
No change since Sep 14, 2026 · 8.14% APR · checked 8 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
DetailsAs Low As
Last Updated10/09/2026
Rate History
No change since Sep 14, 2026 · 8.24% APR · checked 8 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.53%
New/Used Motorcycles Loan
-
8.24%
73-84 Months
DetailsAs Low As
Last Updated10/09/2026
Rate History
No change since Sep 14, 2026 · 8.24% APR · checked 8 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
DetailsAs Low As
Last Updated10/09/2026
Rate History
No change since Sep 14, 2026 · 8.44% APR · checked 8 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.53%
New/Used Boats Loan
-
8.49%
121-144 Months
DetailsAs Low As
Last Updated10/09/2026
Rate History
No change since Sep 14, 2026 · 8.49% APR · checked 8 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.53%
New/Used Boats Loan
-
9.49%
145-180 Months
DetailsAs Low As
Last Updated10/09/2026
Rate History
No change since Sep 14, 2026 · 9.49% APR · checked 8 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%
DetailsBorrow up to $40,000.00 for personal needs
Last Updated10/09/2026
Rate History
No change since Sep 14, 2026 · 7.90% APR · checked 8 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.53%
BRECO Federal Credit Union Personal Loan Rates
Product
APR
Term
View More
Signature Loans
9.49%
0-36 Months
DetailsBorrow up to $40,000.00 for personal needs
Last Updated10/09/2026
Rate History
No change since Sep 18, 2026 · 9.49% APR · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.53%
Signature Loans
10.49%
37-48 Months
DetailsBorrow up to $40,000.00 for personal needs
Last Updated10/09/2026
Rate History
No change since Sep 18, 2026 · 10.49% APR · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.53%
Signature Loans
11.24%
49-60 Months
DetailsBorrow up to $40,000.00 for personal needs
Last Updated10/09/2026
Rate History
No change since Sep 18, 2026 · 11.24% APR · checked 6 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
View More
Land Loans
-
-
5.20%
0-60 Months
DetailsPurchase acreage or raw land. Up to 100% Loan to Value
Last Updated10/09/2026
Rate History
No change since Sep 14, 2026 · 5.20% APR · checked 8 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.53%
Land Loans
-
-
5.45%
61-120 Months
DetailsPurchase acreage or raw land. Up to 100% Loan to Value
Last Updated10/09/2026
Rate History
No change since Sep 14, 2026 · 5.45% APR · checked 8 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.53%
Land Loans
-
-
6.70%
121-180 Months
DetailsPurchase acreage or raw land. Up to 100% Loan to Value
Last Updated10/09/2026
Rate History
No change since Sep 14, 2026 · 6.70% APR · checked 8 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.53%
New/Used Tractors, Farm Equipment, Lawnmowers, Etc. Loan
-
-
5.75%
0-36 Months
DetailsAs Low As
Last Updated10/09/2026
Rate History
No change since Sep 14, 2026 · 5.75% APR · checked 8 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.53%
New/Used Tractors, Farm Equipment, Lawnmowers, Etc. Loan
-
-
6.25%
37-48 Months
DetailsAs Low As
Last Updated10/09/2026
Rate History
No change since Sep 14, 2026 · 6.25% APR · checked 8 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.53%
New/Used Tractors, Farm Equipment, Lawnmowers, Etc. Loan
-
-
6.75%
49-60 Months
DetailsAs Low As
Last Updated10/09/2026
Rate History
No change since Sep 14, 2026 · 6.75% APR · checked 8 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.53%
Redi-Cash Line Of Credit
-
-
9.99%
DetailsBorrow up to $40,000.00 for personal needs
Last Updated10/09/2026
Rate History
No change since Sep 14, 2026 · 9.99% APR · checked 8 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.53%
Extended Insurance Account
-
-
3.00%
DetailsUp to $18 million in NCUA insurance coverage.
Last Updated10/09/2026
Rate History
No change since Sep 14, 2026 · 3.00% APY · checked 7 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.53%
IRA Share Rate
0.25%
-
0.25%
Min Balance$25
DetailsDividends Paid Quarterly. APY accurate as of 5/27/2026.
Last Updated10/09/2026
Rate History
No change since Sep 14, 2026 · 0.25% APY · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.53%
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.
Address
5711 S Sherwood Forest Blvd,
Baton Rouge, LA 70816
Phone225-273-1529
Fax
PresidentJames Freyder
CEOJoshua Poole
Full-Time Employees14
Part-Time Employees1
Branch Locations3
ATM Locations3
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
38
Number of Accounts for Regular Shares
3,906
Non Member Deposits
9
Money Market Shares
5
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
Q2 2026 MBR Health & Safety Badge
BRECO Federal Credit Union earned the Verified Healthy badge
Display this badge on your website to show visitors your Q2 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.
Copy the HTML below and paste it into your website where you’d like the badge to appear. The badge image is hosted on MonitorBankRates, so there is no need to download or upload anything. Badges are re-tested every quarter; when a new quarter is published, come back to this page for the updated code.
Learn more about the MBR Health & Safety Badge program on our methodology page.
Customer Reviews
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Average Rating
☆☆☆☆☆
Total Reviews
0
Add Your Rating and Review for BRECO Federal Credit Union
Frequently Asked Questions About BRECO Federal Credit Union
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.
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.
Brian McKay
