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.
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**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