The Baton Rouge Telco Federal Credit Union is a home equity line of credit from Baton Rouge Telco Federal Credit Union. Application typically pulls a hard report from Equifax. The annual fee is No monthly or annual fees. The ongoing APR is Rate 7.000%, APR as low as 7.000%. Typical credit limit: Borrow up to 90% of the combined value of your home. Loan terms: Max. term 10 Years.