All Rates effective 5/13/2022 – Subject to Change

Consumer Loans
Autos, Boats, Motorcycles & RVs
Term Rates as low as*
2021 & Newer
36 Months 1.74%
48 Months 1.99%
60 Months 2.24%
72 Months 2.74%
84 Months 3.24%
2020 & 2019
36 Months 1.74%
48 Months 1.99%
60 Months 2.24%
72 Months 2.74%
84 Months 3.24%
2018 – 2016
36 Months 1.74%
48 Months 1.99%
60 Months 2.24%
72 Months 2.74%
2015 & 2014
36 Months 2.49%
48 Months 2.74%
60 Months 2.99%
2013 & Older
36 Months 3.24%
48 Months 3.99%
60 Months 4.24%
Boat & RV Extended Terms
Term Rates as low as*
2021 & Newer
120 Months with 60 Month Balloon ($15,000 minimum) 2.74%
180 Months with 60 Month Balloon ($30,000 minimum) 3.74%
2020 & 2019
120 Months with 60 Month Balloon ($15,000 minimum) 2.74%
180 Months with 60 Month Balloon ($30,000 minimum) 3.74%
2018 – 2016
120 Months with 60 Month Balloon ($15,000 minimum) 2.74%
ATVs, Dirt Bikes, Personal Watercraft, Snowmobiles
Trailers & Boat Lifts**
Term Rates as low as*
2017 & Newer
36 Months 2.49%
48 Months 2.74%
60 Months 3.74%
72 Months 4.24%
2016 & Older
36 Months 3.74%
48 Months 4.24%
60 Months 4.99%
Personal Loans
Term Rates as low as*
Unsecured
36 Months 8.99%
Single Pay Notes 9.24%
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 4.74%
48 months 4.99%
60 months 5.24%
Lawn Tractors***- 2013 & Newer
36 months 3.90%
48 months 3.95%
60 months 4.00%
72 months 4.25%
Agricultural Machinery***
36 months 3.90%
48 months 3.95%
60 months 4.00%
72 months 4.25%
Mortgage Loans
Term Rates as low as*
First Mortgage (up to 80% LTV)
3/3 ARM 2.70%
5/5 ARM 2.75%
7/1 ARM 3.50%
Junior Mortgage (up to 80% LTV)
3/3 ARM 2.70%
5/5 ARM 2.75%
7/1 ARM 3.50%
Land Loans (up to 80% LTV)
3/3 ARM 4.20%
5/5 ARM 4.25%
7/1 ARM 5.00%
Multi-Family Rental Property (First Mortgage – up to 75% LTV)
3/3 ARM 4.45%
5/5 ARM 4.50%
7/1 ARM 5.25%
Home Equity Line of Credit (HELOC) (up to 80% LTV)
10 Year Draw Period/5 Year Repayment Period 3.95%
Land Equity Line of Credit (Land HELOC) (up to 80% LTV)
10 Year Draw Period/5 Year Repayment Period 5.45%
*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