All Rates effective 3/10/2023 – Subject to Change

Consumer Loans
Autos & Motorcycles
Term Rates as low as*
2022 & Newer
36 Months 4.24%
48 Months 4.49%
60 Months 4.74%
72 Months 5.24%
84 Months 5.74%
2020 & 2021
36 Months 4.24%
48 Months 4.49%
60 Months 4.74%
72 Months 5.24%
84 Months 5.74%
2017 – 2019
36 Months 4.24%
48 Months 4.49%
60 Months 4.74%
72 Months 5.24%
2015 & 2016
36 Months 4.24%
48 Months 4.49%
60 Months 4.74%
2014 & Older
36 Months 4.99%
48 Months 5.74%
60 Months 5.99%
RVs, Travel Trailers & Fish Houses
Term Rates as low as*
2022 & Newer
36 Months 4.34%
48 Months 5.24%
60 Months 5.34%
72 Months 5.59%
84 Months 6.24%
2017 – 2021
36 Months 4.99%
48 Months 5.24%
60 Months 5.74%
72 Months 5.99%
84 Months 6.24%
2015 & 2016
36 Months 5.34%
48 Months 5.84%
60 Months 6.34%
72 Months 6.59%
2014 & Older
36 Months 6.50%
48 Months 6.75%
60 Months 7.00%
RV, Travel Trailers & Fish Houses Extended Terms
Term Rates as low as*
2022 & Newer
120 Months with 60 Month Balloon ($15,000 minimum) 6.09%
180 Months with 60 Month Balloon ($30,000 minimum) 7.09%
2017 – 2021
120 Months with 60 Month Balloon ($15,000 minimum) 6.74%
Boats
Term Rates as low as*
2022 & Newer
36 Months 4.24%
48 Months 4.49%
60 Months 4.74%
72 Months 5.24%
84 Months 5.74%
2017 – 2021
36 Months 4.24%
48 Months 4.49%
60 Months 4.74%
72 Months 5.24%
84 Months 5.74%
2015 & 2016
36 Months 4.24%
48 Months 4.49%
60 Months 4.74%
72 Months 5.24%
2014 & Older
36 Months 5.24%
48 Months 5.37%
60 Months 5.49%
Boat Extended Terms
Term Rates as low as*
2022 & Newer
120 Months with 60 Month Balloon ($15,000 minimum) 5.49%
180 Months with 60 Month Balloon ($30,000 minimum) 6.49%
2017 – 2021
120 Months with 60 Month Balloon ($15,000 minimum) 5.74%
ATVs, Dirt Bikes, Personal Watercraft, Snowmobiles
Trailers & Boat Lifts**
Term Rates as low as*
2018 & Newer
36 Months 4.99%
48 Months 5.24%
60 Months 6.24%
72 Months 6.74%
2017 & Older
36 Months 6.24%
48 Months 6.74%
60 Months 6.99%
Personal Loans
Term Rates as low as*
Unsecured
36 Months 10.99%
Single Pay Notes 11.24%
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 6.24%
48 months 6.49%
60 months 6.74%
Lawn Tractors***- 2014 & 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 4.19%
5/5 ARM 4.24%
7/1 ARM 5.24%
Junior Mortgage (up to 80% LTV)
3/3 ARM 4.19%
5/5 ARM 4.24%
7/1 ARM 5.24%
Land Loans (up to 80% LTV)
3/3 ARM 5.69%
5/5 ARM 5.74%
7/1 ARM 6.74%
Multi-Family Rental Property (First Mortgage – up to 75% LTV)
3/3 ARM 5.94%
5/5 ARM 5.99%
7/1 ARM 6.99%
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

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