All Rates effective 1/10/2024 – Subject to Change

Consumer Loans
Autos & Motorcycles
Term Rates as low as*
2023 & Newer
36 Months 5.19%
48 Months 5.89%
60 Months 5.94%
72 Months 6.04%
84 Months 6.14%
2021 & 2022
36 Months 5.74%
48 Months 5.89%
60 Months 5.94%
72 Months 6.04%
84 Months 6.14%
2018 – 2020
36 Months 5.74%
48 Months 5.89%
60 Months 5.94%
72 Months 6.44%
2016 & 2017
36 Months 5.84%
48 Months 5.89%
60 Months 5.94%
2015 & Older
36 Months 6.59%
48 Months 6.64%
60 Months 6.69%
RVs, Travel Trailers & Fish Houses
Term Rates as low as*
2023 & Newer
36 Months 5.19%
48 Months 5.94%
60 Months 5.99%
72 Months 6.44%
84 Months 6.49%
2018 – 2022
36 Months 6.19%
48 Months 6.69%
60 Months 6.74%
72 Months 7.04%
84 Months 7.14%
2016 & 2017
36 Months 6.19%
48 Months 6.94%
60 Months 6.99%
72 Months 7.44%
2015 & Older
36 Months 6.94%
48 Months 6.99%
60 Months 7.04%
RV, Travel Trailers & Fish Houses Extended Terms
Term Rates as low as*
2023 & Newer
120 Months with 60 Month Balloon ($15,000 minimum) 6.74%
180 Months with 60 Month Balloon ($30,000 minimum) 7.74%
2018 – 2022
120 Months with 60 Month Balloon ($15,000 minimum) 7.74%
Boats
Term Rates as low as*
2023 & Newer
36 Months 5.19%
48 Months 5.94%
60 Months 5.99%
72 Months 6.44%
84 Months 6.49%
2018 – 2022
36 Months 5.99%
48 Months 6.19%
60 Months 6.24%
72 Months 6.74%
84 Months 7.14%
2016 & 2017
36 Months 5.99%
48 Months 6.19%
60 Months 6.24%
72 Months 6.74%
2015 & Older
36 Months 6.14%
48 Months 6.19%
60 Months 6.24%
Boat Extended Terms
Term Rates as low as*
2023 & Newer
120 Months with 60 Month Balloon ($15,000 minimum) 6.74%
180 Months with 60 Month Balloon ($30,000 minimum) 7.74%
2018 – 2022
120 Months with 60 Month Balloon ($15,000 minimum) 7.24%
ATVs, Dirt Bikes, Personal Watercraft, Snowmobiles
Trailers & Boat Lifts**
Term Rates as low as*
2019 & Newer
36 Months 6.19%
48 Months 6.24%
60 Months 7.19%
72 Months 7.74%
2018 & Older
36 Months 7.39%
48 Months 7.44%
60 Months 7.49%
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 8.00%
48 months 8.25%
60 months 8.50%
72 months 9.00%
Agricultural Machinery***
36 months 8.00%
48 months 8.25%
60 months 8.50%
72 months 9.00%
Mortgage Loans
Term Rates as low as*
First Mortgage (up to 80% LTV)
3/3 ARM 5.69%
5/5 ARM 5.74%
7/1 ARM 6.74%
Junior Mortgage (up to 80% LTV)
3/3 ARM 5.69%
5/5 ARM 5.74%
7/1 ARM 6.74%
Land Loans (up to 80% LTV)
3/3 ARM 7.19%
5/5 ARM 7.24%
7/1 ARM 8.24%
Multi-Family Rental Property (First Mortgage – up to 75% LTV)
3/3 ARM 7.44%
5/5 ARM 7.49%
7/1 ARM 8.49%
Home Equity Line of Credit (HELOC) (up to 80% LTV)
10 Year Draw Period/5 Year Repayment Period 8.45%
Land Equity Line of Credit (Land HELOC) (up to 80% LTV)
10 Year Draw Period/5 Year Repayment Period 9.95%
*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