All Rates effective 11/10/2022 – Subject to Change

Consumer Loans
Autos & Motorcycles
Term Rates as low as*
2021 & Newer
36 Months 2.99%
48 Months 3.49%
60 Months 3.74%
72 Months 4.24%
84 Months 4.74%
2019 & 2020
36 Months 3.24%
48 Months 3.49%
60 Months 3.74%
72 Months 4.24%
84 Months 4.74%
2016 – 2018
36 Months 3.24%
48 Months 3.49%
60 Months 3.74%
72 Months 4.24%
2014 & 2015
36 Months 3.24%
48 Months 3.49%
60 Months 3.74%
2013 & Older
36 Months 3.99%
48 Months 4.74%
60 Months 4.99%
RVs, Travel Trailers & Fish Houses
Term Rates as low as*
2021 & Newer
36 Months 3.34%
48 Months 3.99%
60 Months 4.34%
72 Months 4.59%
84 Months 4.99%
2016 – 2020
36 Months 3.74%
48 Months 3.99%
60 Months 4.49%
72 Months 4.74%
84 Months 4.99%
2014 & 2015
36 Months 4.34%
48 Months 4.84%
60 Months 5.34%
72 Months 5.59%
2013 & Older
36 Months 5.24%
48 Months 5.49%
60 Months 5.74%
RV, Travel Trailers & Fish Houses Extended Terms
Term Rates as low as*
2021 & Newer
120 Months with 60 Month Balloon ($15,000 minimum) 5.09%
180 Months with 60 Month Balloon ($30,000 minimum) 6.09%
2016 – 2020
120 Months with 60 Month Balloon ($15,000 minimum) 5.49%
Boats
Term Rates as low as*
2021 & Newer
36 Months 3.24%
48 Months 3.49%
60 Months 3.74%
72 Months 4.24%
84 Months 4.74%
2016 – 2020
36 Months 3.24%
48 Months 3.49%
60 Months 3.74%
72 Months 4.24%
84 Months 4.74%
2014 & 2015
36 Months 3.24%
48 Months 3.49%
60 Months 3.74%
72 Months 4.24%
2013 & Older
36 Months 4.49%
48 Months 4.99%
60 Months 5.49%
Boat Extended Terms
Term Rates as low as*
2021 & Newer
120 Months with 60 Month Balloon ($15,000 minimum) 4.49%
180 Months with 60 Month Balloon ($30,000 minimum) 5.49%
2016 – 2020
120 Months with 60 Month Balloon ($15,000 minimum) 4.74%
ATVs, Dirt Bikes, Personal Watercraft, Snowmobiles
Trailers & Boat Lifts**
Term Rates as low as*
2017 & Newer
36 Months 3.99%
48 Months 4.24%
60 Months 4.99%
72 Months 5.49%
2016 & Older
36 Months 5.24%
48 Months 5.74%
60 Months 5.99%
Personal Loans
Term Rates as low as*
Unsecured
36 Months 10.24%
Single Pay Notes 10.49%
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 6.24%
48 months 6.49%
60 months 6.74%
Lawn Tractors***- 2013 & Newer
36 months 6.50%
48 months 6.75%
60 months 7.00%
72 months 7.50%
Agricultural Machinery***
36 months 6.50%
48 months 6.75%
60 months 7.00%
72 months 7.50%
Mortgage Loans
Term Rates as low as*
First Mortgage (up to 80% LTV)
3/3 ARM 3.69%
5/5 ARM 3.74%
7/1 ARM 4.74%
Junior Mortgage (up to 80% LTV)
3/3 ARM 3.69%
5/5 ARM 3.74%
7/1 ARM 4.74%
Land Loans (up to 80% LTV)
3/3 ARM 5.19%
5/5 ARM 5.24%
7/1 ARM 6.24%
Multi-Family Rental Property (First Mortgage – up to 75% LTV)
3/3 ARM 5.44%
5/5 ARM 5.49%
7/1 ARM 6.49%
Home Equity Line of Credit (HELOC) (up to 80% LTV)
10 Year Draw Period/5 Year Repayment Period 6.95%
Land Equity Line of Credit (Land HELOC) (up to 80% LTV)
10 Year Draw Period/5 Year Repayment Period 8.45%
*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