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iAdvertiser Disclosure
Advertiser Disclosure
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 Brainerd BN Credit Union Rates & Review March 2026
Content reviewed by
Brian McKay
Brian McKayFounder & Data ArchitectExpertise
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
Read Full Bio →
Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
✓Fact Checked
Rates Last Updated: March 16, 2026
Brainerd BN Credit Union's 6-month CD rates are at 4.16%, 12-month CD rates are at 3.96%, 18-month CD rates are at 3.60%, 24-month CD rates are at 3.55%. Brainerd BN Credit Union's savings rates are at 0.10%. Brainerd BN Credit Union's money market rates are at 0.15%. MonitorBankRates evaluates the financial stability of Brainerd BN Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 1.27%. Rates were last updated on 03/16/2026. Brainerd BN Credit Union money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at Brainerd BN Credit Union? Share your experience about Brainerd BN Credit Union by leaving a review below, or read customer reviews before you decide to use Brainerd BN Credit Union. Brainerd BN Credit Union
Brainerd BN Credit Union 804 Laurel St Ste 101
https://www.bbncu.org Brainerd, MN 56401 3799 
Brainerd BN Credit Union CD Rates
Brainerd BN Credit Union Savings Rates
Brainerd BN Credit Union Money Market Rates
Methodology & Data SourcesMonitorBankRates Star Rating
Our rating for Brainerd BN Credit Union is derived from comprehensive financial data published quarterly by the NCUA. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with member feedback (user reviews) to help you make informed banking decisions.
Texas Ratio
We calculate the Texas Ratio using standard industry methodology. This ratio compares the credit union's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.
Rate Data Aggregation
We gather Brainerd BN Credit Union rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.
Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions.
It is always advisable to check with Brainerd BN Credit Union's official website for the most current offers and terms.
Credit Union Profile & Overview
Credit Union Name
Brainerd BN Credit Union
Website
https://www.bbncu.org
Address
804 Laurel St Ste 101,
Brainerd, MN 56401 3799
Phone
218-829-9065
Fax
218-829-2568
President
Wayne Larson
CEO
Kaycie Hofmann
Full-Time Employees
19
Part-Time Employees
2
Branch Locations
1
ATM Locations
0
NCUA Insured
✓ Yes — Up to $250,000 per depositor
FinancialsMonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A+ (99/100)
Texas Ratio
1.27%
Return on Assets (ROA)
0.5351%
Return on Equity (ROE)
4.8767%
Non-Performing Loans Ratio (NPL)
0.27%
Total Assets
120,925,496
Total Amount of Shares and Deposits
106,591,245
Total Shares and Deposits < 1 Year
105,983,746
Total Shares and Deposits 1 3 Years
607,499
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
7,809,055
Total Uninsured Shares and Deposits > $250K (F+J)
7,809,055
Total Insured Shares and Deposits > $250K (item 17 less item K)
98,782,190
Total Interest Expense (Sum of items 6 8)
1,690,396
Share Certificates
1,711
Number of Accounts for Share Drafts
3,339
IRA KEOGH Accounts
404
Number of Accounts for Regular Shares
7,662
Money Market Shares
771
Net Income (unless the amount is already included in Undivided Earnings)
647,105
Total Cash on Deposit (Amounts Deposited in Financial Institutions)
-450,485
Total Liabilities
107,656,177
Source: NCUA — Last Updated 09/30/2025
Frequently Asked Questions About Brainerd BN Credit UnionIs Brainerd BN Credit Union a safe place to deposit money?Yes, Brainerd BN Credit Union is considered a safe financial institution. With a Texas Ratio of 1.2704872043546%, the institution's financial health is rated as excellent. Your accounts are federally insured by the NCUA (National Credit Union Administration) up to $250,000 per depositor, for each account ownership category. How many branches does Brainerd BN Credit Union operate?Brainerd BN Credit Union currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes. Is a member application needed to join Brainerd BN Credit Union?Yes, to access services at Brainerd BN Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations. Is there a first-time homebuyer program?Currently, Brainerd BN Credit Union does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing. Are credit management and repair services offered?While formal credit repair services are not currently listed, Brainerd BN Credit Union provides members with tools to manage their accounts and build a solid financial history. Does Brainerd BN Credit Union offer online and mobile banking?Most modern institutions like Brainerd BN Credit Union provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.bbncu.org. Current Brainerd BN Credit Union Rates
Retrieved from our database of financial products. Rates subject to change.
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