--- title: "Brainerd B. N. Credit Union Rates (Nov 2026): CDs to 4.37%" description: "Brainerd B. N. Credit Union rates today: savings & CDs up to 4.37% APY. Every rate verified daily from the official website — no pay-to-rank. See who can join Brainerd B. N. Credit Union — verified membership eligibility with the requirements and cost to join." canonical: "https://rateapi.dev/credit-unions/minnesota/brainerd-b-n" last-updated: "2026-11-13" source: "https://rateapi.dev/llms.txt" --- # Brainerd B. N. Credit Union Rates (Nov 2026): CDs to 4.37% ### Mortgage rates 3 offers | Product | Published | Rate | Term / condition | Status | | **Consumer Loans (3/3 ARM)** 3 3 arm | — APR | 5.440% | — | Standard | | **Consumer Loans (5/5 ARM)** 5 5 arm | — APR | 5.490% | — | Standard | | **Consumer Loans (7/1 ARM)** 7 1 arm | — APR | 6.490% | — | Standard | Brainerd B. N. Credit Union mortgage rates as of November 12, 2026 ### Personal loan rates 1 offer | Product | Published | Rate | Term / condition | Status | | **Consumer Loans (Single Pay Notes)** personal | — APR | 11.490% | — | Standard | Brainerd B. N. Credit Union personal loan rates as of November 12, 2026 ### Savings & CD rates 23 offers | Product | Published | Rate | Term / condition | Status | | **Regular Savings** savings | 0.10% APY | 0.10% | — | Standard | | **Fax: (Regular Savings)** savings | — APY | 0.10% | — | Standard | | **Fax: (Money Market (balance of $5 - $2,499))** money_market | — APY | 0.15% | — | Standard | | **Universal Savings** savings | 0.15% APY | 0.15% | — | Standard | | **Money Market (balance of $5 - $2,499)** money_market | 0.15% APY | 0.15% | — | Standard | | **Fax: (Universal Savings)** savings | — APY | 0.15% | — | Standard | | **Christmas Club** savings | 0.30% APY | 0.30% | — | Specialty offer | | **Fax: (Christmas Club)** savings | — APY | 0.30% | — | Specialty offer | | **$1,000 minimum opening deposit and balance (IRA Passbooks)** ira | — APY | 0.40% | — | Standard | | **Money Market (balance of $2,500 and over)** money_market | 0.60% APY | 0.60% | — | Standard | | **Fax: (Money Market (balance of $2,500 and over))** money_market | — APY | 0.60% | — | Standard | | **6-Month Certificate** share_certificate_6mo | — APY | 4.10% | 6 mo | Standard | | **6-Month Certificate** share_certificate_6mo | 4.16% APY | 4.10% | 6 mo | Standard | | **12-Month IRA Certificate ($1,000+)** ira_cd_12mo | — APY | 4.20% | 12 mo | Standard | | **24-Month Certificate** share_certificate_24mo | — APY | 4.20% | 24 mo | Standard | | **24-Month IRA Certificate ($1,000+)** ira_cd_24mo | — APY | 4.20% | 24 mo | Standard | | **12-Month Certificate** share_certificate_12mo | — APY | 4.20% | 12 mo | Standard | | **24-Month IRA Certificate** ira_cd_24mo | 4.27% APY | 4.20% | 24 mo | Standard | | **12-Month IRA Certificate** ira_cd_12mo | 4.27% APY | 4.20% | 12 mo | Standard | | **12-Month Certificate** share_certificate_12mo | 4.27% APY | 4.20% | 12 mo | Standard | | **24-Month Certificate** share_certificate_24mo | 4.27% APY | 4.20% | 24 mo | Standard | | **18-Month Certificate** share_certificate_18mo | — APY | 4.30% | 18 mo | Standard | | **18-Month Certificate** share_certificate_18mo | 4.37% APY | 4.30% | 18 mo | Standard | Brainerd B. N. Credit Union savings & cd rates as of November 12, 2026 ### Other rates 13 offers | Product | Published | Rate | Term / condition | Status | | **Consumer Loans (24 months (passbook))** other | — % | 2.500% | — | Standard | | **Consumer Loans (36 Months)** other | — % | 4.040% | — | Standard | | **Consumer Loans (48 Months)** other | — % | 4.540% | — | Standard | | **Consumer Loans (60 Months)** other | — % | 4.790% | — | Standard | | **Consumer Loans (72 Months)** other | — % | 5.290% | — | Standard | | **Consumer Loans (120 Months with 60 Month Balloon ($15,000 minimum))** other | — % | 5.540% | — | Standard | | **Consumer Loans (84 Months)** other | — % | 5.790% | — | Standard | | **Consumer Loans (36 months)** other | — % | 6.500% | — | Standard | | **Consumer Loans (180 Months with 60 Month Balloon ($30,000 minimum))** other | — % | 6.540% | — | Standard | | **Consumer Loans (10 Year Draw Period/5 Year Repayment Period)** other | — % | 6.700% | — | Standard | | **Consumer Loans (48 months)** other | — % | 6.750% | — | Standard | | **Consumer Loans (60 months)** other | — % | 7.000% | — | Standard | | **Consumer Loans (72 months)** other | — % | 7.500% | — | Standard | Brainerd B. N. Credit Union other rates as of November 12, 2026 Savings and certificate yields up to 4.37% APY. > Source: [RateAPI.dev](https://rateapi.dev/credit-unions/minnesota/brainerd-b-n) , verified from [Brainerd B. N. Credit Union's official website](https://bbncu.org/) Loading branch locator… ## About Brainerd B. N. Credit Union Institution facts reported to the National Credit Union Administration for Invalid Date. Members 6.7K Assets $124.4M Founded 1940 Locations reported 1 NCUA charter 60436 Charter type Federally insured state-chartered credit union ### Services and member support - Online membership application - Online loan application - Electronic statements - Mobile check deposit - Mobile payments - Financial counseling - Financial education - Student scholarships Source: [NCUA quarterly call report](https://ncua.gov/analysis/credit-union-corporate-call-report-data/quarterly-data) . Services are institution-reported; confirm availability with the credit union. ### Other credit unions with branches nearby Compare membership, services, and rates from other institutions with an NCUA-reported branch nearby. [**Crow Wing Power** Corporate Office · Brainerd · MN · 56401 Branch in the same ZIP](https://rateapi.dev/credit-unions/minnesota/crow-wing-power) [**Mid Minnesota** Mid Minnesota Federal Credit Union · Brainerd · MN · 56401-3536 About 4.3 miles away](https://rateapi.dev/credit-unions/minnesota/mid-minnesota) [**Ent** Baxter · Baxter · MN · 56425 About 6.1 miles away](https://rateapi.dev/credit-unions/colorado/ent) [**Affinity Plus** Brainerd Lakes · BAXTER · MN · 56401-6952 About 7.1 miles away](https://rateapi.dev/credit-unions/minnesota/affinity-plus) [**Members Cooperative** Baxter · Baxter · MN · 56425-8457 About 7.3 miles away](https://rateapi.dev/credit-unions/minnesota/members-cooperative) [**Magnifi Financial** Little Falls Branch · Little Falls · MN · 56345 About 26.5 miles away](https://rateapi.dev/credit-unions/minnesota/magnifi-financial) Nearest-first estimates use the center of your Census ZIP area and NCUA-reported branch locations. Distances are straight-line estimates, not driving distance. ## Who Can Join Brainerd B. N. Credit Union Membership eligibility from Brainerd B. N. Credit Union's own published criteria. [How we verify this](https://rateapi.dev/eligibility-methodology) . Membership criteria are published on Brainerd B. N. Credit Union's website. Check the membership page below to confirm whether you qualify. - Employer BNSF Railway & BN Credit Union Verified from [Brainerd B. N. Credit Union's membership page](https://bbncu.org/about/) . Final membership determination is always made by the credit union. ## Membership rules for Brainerd B. N. Credit Union Employers · Family 2 3 published paths to membership, last verified August 21, 2026, quoted from Brainerd B. N. Credit Union’s own published criteria. ### Employers 1 Auto-verified against the source page quoted from the credit union’s own published criteria · last verified August 21, 2026 - Employee of BNSF Railway & BN Credit Union “Over time, our field of membership has expanded to serving BNSF Railway & BN Credit Union workers” > [source ↗](https://bbncu.org/about/) - Employee of BNSF Railway & BN Credit Union ### Family 2 Auto-verified against the source page quoted from the credit union’s own published criteria · last verified August 21, 2026 - Family of a member spouse “serving BNSF Railway & BN Credit Union workers and their spouses” > [source ↗](https://bbncu.org/about/) - Family member (spouse) of a member - Family of a member blood relative, adoptive relative, spouse “as well as blood or adoptive relatives (and their spouses) of current Brainerd BN Credit Union members.” > [source ↗](https://bbncu.org/about/) - Family member (blood relative, adoptive relative, spouse) of a member Every rule cites the exact sentence it came from; absence of evidence means unknown, never no. [How we verify membership rules](https://rateapi.dev/eligibility-methodology) . Final membership determination is always made by the credit union. Is this right for Brainerd B. N. Credit Union? Yes No ## Work at Brainerd B. N. Credit Union? This page is seen by prospective members comparing rates — and by the AI assistants they ask. Claim this profile to correct or update rates, add missing products, and get your free rate scorecard showing where Brainerd B. N. Credit Union ranks against Minnesota peers. - See which AI assistants fetched Brainerd B. N. Credit Union’s rates, and how often - See which of your products the RateAPI API returned, and where you rank in Minnesota - Correct anything we publish about you that is wrong [Claim this credit union](https://rateapi.dev/for-credit-unions/claim?cu=brainerd-b-n&state=minnesota&code=MN&name=Brainerd%20B.%20N.%20Credit%20Union) [How scorecards work](https://rateapi.dev/for-credit-unions) ## Frequently Asked Questions ### What rates does Brainerd B. N. Credit Union offer? Brainerd B. N. Credit Union currently offers mortgage, and personal loan rates. The rates shown on this page were last verified November 12, 2026 directly from the credit union's official website. ### How often are Brainerd B. N. Credit Union rates updated? RateAPI verifies Brainerd B. N. Credit Union's rates daily by scraping its official website, then normalizing the data. The figures on this page were last verified November 12, 2026. ### Where does RateAPI get Brainerd B. N. Credit Union's rate data? Rate data is collected directly from Brainerd B. N. Credit Union's official website. RateAPI has no pay-to-rank incentives; see the methodology page for how rates are collected and normalized. ### What is Brainerd B. N. Credit Union's best CD rate? As of November 12, 2026, Brainerd B. N. Credit Union offers savings and certificate (CD) yields up to 4.37% APY. ### Who can join Brainerd B. N. Credit Union? Brainerd B. N. Credit Union publishes its membership criteria on its own website. RateAPI tracks 3 published membership paths covering 1 employer for Brainerd B. N. Credit Union, each quoted from Brainerd B. N. Credit Union's own published membership criteria. Immediate family of an existing member also qualify. ## Related Rate Data Compare Brainerd B. N. Credit Union's rates against national credit-union benchmarks. [More Minnesota credit unions](https://rateapi.dev/credit-unions/minnesota) [Minnesota mortgage rate leaders](https://rateapi.dev/mortgage-rates/minnesota) [Minnesota personal loan leaders](https://rateapi.dev/personal-loan-rates/minnesota) [Mortgage rate benchmark](https://rateapi.dev/mortgage-rate-benchmark) [How we verify rates](https://rateapi.dev/methodology) ### Source Information Rate data is scraped directly from the credit union's official website and verified daily by our automated systems. [View Original Source](https://bbncu.org/) ### Methodology Learn how we collect, normalize, and verify rate data with full transparency and no pay-to-rank incentives. [View Methodology](https://rateapi.dev/methodology) ## Track Brainerd B. N. Credit Union rates Get a free API key to query these rates programmatically, or get the daily email when Minnesota credit union rates move. Get a free API key [Daily rate email](https://rateapi.dev/daily-rate-emails) ## Use it via API Access this data programmatically with our REST API terminal ``` # Get rates for Brainerd B. N. Credit Union curl "https://api.rateapi.dev/credit-unions/minnesota /brainerd-b-n " \ -H "Authorization : Bearer YOUR_API_KEY" ``` [Explore API Documentation](https://api.rateapi.dev/) [Use with Claude](https://rateapi.dev/#mcp) Branch locator ## Brainerd B. N. Credit Union locations Search, filter, and browse all 1 NCUA-reported locations. Use my location Search branches Apply Sort near a ZIP **Loading branches…** Branch services ATM Drive-through Member services Shared branch Skip to main content --- Source: https://rateapi.dev/credit-unions/minnesota/brainerd-b-n Rate data API: https://api.rateapi.dev · OpenAPI: https://api.rateapi.dev/openapi.json · MCP: https://mcp.rateapi.dev/mcp