| Consumer Loans | |
|---|---|
| Autos, Boats, Motorcycles & RVs | |
| Term | Rates as low as* |
| 2019 & Newer | |
| 36 Months | 2.24% |
| 48 Months | 2.49% |
| 60 Months | 2.74% |
| 72 Months | 3.24% |
| 84 Months (must be greater than $25k) | 3.49% |
| 2018 & 2017 | |
| 36 Months | 2.24% |
| 48 Months | 2.49% |
| 60 Months | 2.74% |
| 72 Months | 3.24% |
| 84 Months (must be greater than $25k) | 3.49% |
| 2016 & 2015 | |
| 36 Months | 2.24% |
| 48 Months | 2.49% |
| 60 Months | 2.74% |
| 72 Months | 3.49% |
| 2014 – 2012 | |
| 36 Months | 2.24% |
| 48 Months | 2.49% |
| 60 Months | 2.74% |
| 2011 & Older | |
| 36 Months | 3.50% |
| 48 Months | 4.24% |
| Boat & RV Extended Terms | |
| Term | Rates as low as* |
| 2019 & Newer | |
| 120 Months with 60 Month Balloon | 3.24% |
| 2018 & 2017 | |
| 120 Months with 60 Month Balloon | 3.24% |
| ATVs, Dirt Bikes, Personal Watercraft, Snowmobiles | |
| Trailers & Boat Lifts** | |
| Term | Rates as low as* |
| 2015 & Newer | |
| 36 Months | 2.49% |
| 48 Months | 2.74% |
| 60 Months | 3.74% |
| 72 Months | 4.25% |
| 2014 & Older | |
| 36 Months | 3.74% |
| 48 Months | 4.25% |
| 60 Months | 5.00% |
| 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 | 4.24% |
| 48 months | 4.49% |
| 60 months | 4.74% |
| Agricultural Machinery & Lawn Tractors** – New thru 2008 | |
| 36 months | 3.15% |
| 48 months | 3.20% |
| 60 months | 3.25% |
| 72 months | 3.50% |
| Agricultural Machinery** – 2007 & Older | |
| 36 months | 4.20% |
| 48 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 Equtiy Line of Credit (HELOC) (up to 80% LTV) | |
| 10 Year Draw Period/5 Year Repayment Period | 3.20% |
| Land Equtiy Line of Credit (Land HELOC) (up to 80% LTV) | |
| 10 Year Draw Period/5 Year Repayment Period | 4.70% |
| All Rates effective 10/13/2020 – Subject to Change | |
|
*Annual Percentage Rate (APR) – Actual rate may be higher based on applicant’s credit score.
|
|
| **Requires a 20% 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