tk4100 rfid card baud rate

I'm trying to figure out the baud rate of a tk4100 rfid (em4100 compatible) card. I looked at various datasheets. One stated the rate could be either rf/16, rf/32 or rf/64 where rf means rf samples. Other sources say the baud is 9600bps, but to me, I think some math is in order because they say the operating frequency for the cards is from 100 to 150khz and none of those two numbers can evenly divide by 9600.

How can I figure out the baud rate? I want to know so I can choose the right crystal for the 8051 microcontroller the rfid reader output will connect to.