Loan Rates


New/Used Auto
Term APR (as low as)
0-36 Months 3.10%
37-48 Months
3.49%
49-60 Months 3.75%
61-72 Months 4.00%
73-84 Months 4.75%
Additional Information:
Up to 125% financing including TT&L, Gap Insurance, Extended Warranty, Credit Life and Disability
72 month term available over $25,000.00; 84 months over $35,000.00

Signature Loans
Term APR (as low as)
0-36 Months 8.99%
37-48 Months 9.99%
49-60 Months 10.99%
Redi-Cash Line Of Credit 8.99%
Visa Platinum Credit Card 7.90%
Additional Information:
Borrow up to $25,000.00 for personal needs

Share Secured
Term up to 120 months APR
Borrow against funds in your regular share account. Dividend Rate + 3.00%

Share Certificate Secured
Term up to 60 months APR
Borrow against funds in your share certificate Certificate Rate +3.00%

Home Equity
Term APR (as low as)
0-60 Months 3.95%
61-84 Months 4.95%
85-180 Months 5.95%
HELOC (10 year Variable rate) WSJ Prime + 4.00%

1st Mortgages
Please call 800-361-1631 for current rates or click brecofcu.mortgagewebcenter.com/
Call 225-273-1529 to pre-qualify or Login Here.

Land Loans
Term APR (as low as)
0-60 Months 5.99%
61-120 Months 6.99%
121-180 Months 7.99%
Additional Information:
Purchase acreage or raw land. Up to 80.00% Loan to Value

New/Used Motor Homes, Travel Trailers, Horse Trailers, Etc.
Term APR (as low as)
0-36 Months 4.25%
37-48 Months 4.75%
49-60 Months 5.25%
61-72 Months 5.75%
73-84 Months 6.25%
85-120 Months 7.25%
121-180 Months 7.75%
New/Used ATV, Dirt Bike, Jet Ski, Etc.
Term APR (as low as)
0-36 Months 5.75%
37-48 Months 6.25%
49-60 Months 6.75%
New/Used Motorcycles
Term APR (as low as)
0-36 Months 3.75%
37-48 Months 4.25%
49-60 Months 4.99%
New/Used Boats
Term APR (as low as)
0-36 Months 5.00%
37-48 Months 5.25%
49-60 Months 5.75%
61-72 Months 6.25%
73-84 Months 6.75%
85-120 Months 7.25%
New/Used Tractors, Farm Equipment, Lawnmowers, Etc.
Term APR (as low as)
0-36 Months 5.75%
37-48 Months 6.25%
49-60 Months 6.75%

Additional Information:

  • APR = Annual Percentage Rate

  • Loans, rates, terms and loan limits determined by credit criteria and normal underwriting standards 

  • Rates are subject to change - Call for current rates

  • There may be fees on some loans

  • "As Low As" Minimum rates apply to members with excellent credit criteria. Not all applicants will qualify