All Rates effective 11/14/2024 – Subject to Change

Consumer Loans
Autos & Motorcycles
Term Rates as low as*
2023 & Newer
36 Months 4.14%
48 Months 4.44%
60 Months 4.69%
72 Months 4.94%
84 Months 5.44%
2021 & 2022
36 Months 4.64%
48 Months 4.69%
60 Months 5.19%
72 Months 5.44%
84 Months 5.94%
2018 – 2020
36 Months 4.64%
48 Months 4.69%
60 Months 5.19%
72 Months 5.44%
2016 & 2017
36 Months 5.14%
48 Months 5.84%
60 Months 5.89%
2015 & Older
36 Months 5.89%
48 Months 5.94%
60 Months 6.19%
RVs, Travel Trailers & Fish Houses
Term Rates as low as*
2023 & Newer
36 Months 4.64%
48 Months 5.59%
60 Months 5.64%
72 Months 5.89%
84 Months 6.44%
2018 – 2022
36 Months 5.64%
48 Months 6.59%
60 Months 6.64%
72 Months 6.89%
84 Months 7.09%
2016 & 2017
36 Months 5.64%
48 Months 6.59%
60 Months 6.64%
72 Months 6.89%
2015 & Older
36 Months 6.84%
48 Months 6.89%
60 Months 6.94%
RV, Travel Trailers & Fish Houses Extended Terms
Term Rates as low as*
2023 & Newer
120 Months with 60 Month Balloon ($15,000 minimum) 6.39%
180 Months with 60 Month Balloon ($30,000 minimum) 7.39%
2018 – 2022
120 Months with 60 Month Balloon ($15,000 minimum) 7.64%
Boats
Term Rates as low as*
2023 & Newer
36 Months 4.64%
48 Months 5.59%
60 Months 5.64%
72 Months 5.89%
84 Months 6.44%
2018 – 2022
36 Months 5.64%
48 Months 6.14%
60 Months 6.19%
72 Months 6.69%
84 Months 7.09%
2016 & 2017
36 Months 5.64%
48 Months 6.14%
60 Months 6.19%
72 Months 6.69%
2015 & Older
36 Months 6.09%
48 Months 6.14%
60 Months 6.19%
Boat Extended Terms
Term Rates as low as*
2023 & Newer
120 Months with 60 Month Balloon ($15,000 minimum) 6.39%
180 Months with 60 Month Balloon ($30,000 minimum) 7.39%
2018 – 2022
120 Months with 60 Month Balloon ($15,000 minimum) 7.19%
ATVs, Dirt Bikes, Personal Watercraft, Snowmobiles
Trailers & Boat Lifts**
Term Rates as low as*
2019 & Newer
36 Months 6.14%
48 Months 6.19%
60 Months 6.64%
72 Months 7.69%
2018 & Older
36 Months 7.34%
48 Months 7.39%
60 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 7.74%
48 months 7.99%
60 months 8.24%
Lawn Tractors***- 2015 & Newer
36 months 7.25%
48 months 7.50%
60 months 7.75%
72 months 8.25%
Agricultural Machinery***
36 months 7.25%
48 months 7.50%
60 months 7.75%
72 months 8.25%
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 7.70%
Land Equity Line of Credit (Land HELOC) (up to 80% LTV)
10 Year Draw Period/5 Year Repayment Period 9.20%
*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
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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