All Rates effective 4/8/2026 – Subject to Change
| Consumer Loans | |
|---|---|
| Autos & Motorcycles | |
| Term | Rates as low as* |
| 2025 & Newer | |
| 36 Months | 3.89% |
| 48 Months | 4.69% |
| 60 Months | 4.89% |
| 72 Months | 5.04% |
| 84 Months | 5.14% |
| 2023 & 2024 | |
| 36 Months | 4.49% |
| 48 Months | 4.69% |
| 60 Months | 4.94% |
| 72 Months | 5.04% |
| 84 Months | 5.14% |
| 2020 – 2022 | |
| 36 Months | 4.64% |
| 48 Months | 4.69% |
| 60 Months | 4.94% |
| 72 Months | 5.44% |
| 2018 & 2019 | |
| 36 Months | 4.74% |
| 48 Months | 4.89% |
| 60 Months | 4.94% |
| 2017 & Older | |
| 36 Months | 5.89% |
| 48 Months | 5.94% |
| 60 Months | 6.19% |
| RVs, Travel Trailers & Fish Houses | |
| Term | Rates as low as* |
| 2025 & Newer | |
| 36 Months | 4.39% |
| 48 Months | 5.34% |
| 60 Months | 5.39% |
| 72 Months | 5.64% |
| 84 Months | 5.89% |
| 2020 – 2024 | |
| 36 Months | 5.39% |
| 48 Months | 5.69% |
| 60 Months | 5.74% |
| 72 Months | 6.04% |
| 84 Months | 6.14% |
| 2018 & 2019 | |
| 36 Months | 5.39% |
| 48 Months | 6.14% |
| 60 Months | 6.19% |
| 72 Months | 6.64% |
| 2017 & Older | |
| 36 Months | 6.09% |
| 48 Months | 6.14% |
| 60 Months | 6.19% |
| RV, Travel Trailers & Fish Houses Extended Terms | |
| Term | Rates as low as* |
| 2025 & Newer | |
| 120 Months with 60 Month Balloon ($15,000 minimum) | 6.14% |
| 180 Months with 60 Month Balloon ($30,000 minimum) | 7.14% |
| 2020 – 2024 | |
| 120 Months with 60 Month Balloon ($15,000 minimum) | 6.74% |
| Boats | |
| Term | Rates as low as* |
| 2025 & Newer | |
| 36 Months | 4.39% |
| 48 Months | 4.99% |
| 60 Months | 5.24% |
| 72 Months | 5.64% |
| 84 Months | 5.94% |
| 2020 – 2024 | |
| 36 Months | 4.74% |
| 48 Months | 4.99% |
| 60 Months | 5.24% |
| 72 Months | 5.74% |
| 84 Months | 6.14% |
| 2018 & 2019 | |
| 36 Months | 4.74% |
| 48 Months | 4.99% |
| 60 Months | 5.24% |
| 72 Months | 5.74% |
| 2017 & Older | |
| 36 Months | 6.00% |
| 48 Months | 6.14% |
| 60 Months | 6.19% |
| Boat Extended Terms | |
| Term | Rates as low as* |
| 2025 & Newer | |
| 120 Months with 60 Month Balloon ($15,000 minimum) | 5.99% |
| 180 Months with 60 Month Balloon ($30,000 minimum) | 6.99% |
| 2019 – 2023 | |
| 120 Months with 60 Month Balloon ($15,000 minimum) | 6.24% |
| ATVs, Dirt Bikes, Personal Watercraft, Snowmobiles | |
| Trailers & Boat Lifts** | |
| Term | Rates as low as* |
| 2021 & Newer | |
| 36 Months | 5.19% |
| 48 Months | 5.24% |
| 60 Months | 6.14% |
| 72 Months | 6.74% |
| 84 Months | 6.84% |
| 2020 & Older | |
| 36 Months | 6.84% |
| 48 Months | 6.89% |
| 60 Months | 6.94% |
| 72 Months | 7.44% |
| Personal Loans | |
| Term | Rates as low as* |
| Unsecured | |
| 36 Months | 11.24% |
| Single Pay Notes | 11.49% |
| Line-of-Credit | |
| 36 Months | 11.00% |
| Share Secured | |
| 24 months (passbook) | 2.50% |
| Share certificates | 2.00% over certificate rate used as collateral |
| Business & Agricultural Loans | |
| Term | Rates as low as* |
| Business Equipment** | |
| 36 months | 7.49% |
| 48 months | 7.74% |
| 60 months | 7.99% |
| Lawn Tractors***- 2017 & Newer | |
| 36 months | 6.25% |
| 48 months | 6.50% |
| 60 months | 6.75% |
| 72 months | 7.25% |
| Agricultural Machinery*** | |
| 36 months | 6.25% |
| 48 months | 6.50% |
| 60 months | 6.75% |
| 72 months | 7.25% |
| Mortgage Loans | |
| Term | Rates as low as* |
| First Mortgage (up to 80% LTV) | |
| 3/3 ARM | 5.44% |
| 5/5 ARM | 5.49% |
| 7/1 ARM | 6.49% |
| Junior Mortgage (up to 80% LTV) | |
| 3/3 ARM | 5.44% |
| 5/5 ARM | 5.49% |
| 7/1 ARM | 6.49% |
| Land Loans (up to 80% LTV) | |
| 3/3 ARM | 6.94% |
| 5/5 ARM | 6.99% |
| 7/1 ARM | 7.99% |
| Multi-Family Rental Property (First Mortgage – up to 75% LTV) | |
| 3/3 ARM | 7.19% |
| 5/5 ARM | 7.24% |
| 7/1 ARM | 8.24% |
| Home Equity Line of Credit (HELOC) (up to 80% LTV) | |
| 10 Year Draw Period/5 Year Repayment Period | 6.70% |
| Land Equity Line of Credit (Land HELOC) (up to 80% LTV) | |
| 10 Year Draw Period/5 Year Repayment Period | 8.20% |
|
*Annual Percentage Rate (APR) – Actual rate may be higher based on applicant’s credit score.
|
|
| **Requires a 20% down payment | |
| ***Requires a 10% down payment | |
Contact Us
BBNCU Credit Union Office
804 Laurel Street Suite #101
Brainerd, MN 56401
NMLS ID: 619332
Routing Number: 291973357
Phone: 218-829-9065
Toll Free: 877-829-9065
Fax: 218-829-2568