Brainerd B. N. Credit Union Brainerd MN | Affordable Vehicle Loans & Quick Personal Loans

Introduction

Welcome to Brainerd B. N., your trusted partner in financial growth and community support since 1940. Located at 804 Laurel St Ste 101, Brainerd, MN 56401, we are proud to serve our vibrant community with a range of services tailored to meet your needs. With a total membership of 6,685 individuals and assets totaling $110,997,559, we are committed to providing personalized banking solutions that empower our members. At Brainerd B. N., we understand the importance of community impact. We've facilitated over 1,724 loans and leases, helping families achieve their dreams while ensuring that your deposits currently standing at $250,681 are safe and secure with us. Our net worth of $12,444,565 reflects our strong financial foundation and dedication to serving you. Led by our CEO, Kaycie Hofmann, and Board President, Wayne Larson, our team is here for you. With a dedicated staff of 19 employees, we strive to make banking simple and accessible. Whether you're interested in personal banking options like checking accounts or auto loans, or business services including merchant solutions and business loans, we're here to help you every step of the way. While members can visit us at our branch for all their banking needs, official correspondence should be sent to the same address: 804 Laurel St Ste 101, Brainerd, MN 56401-3799. Our hours of operation are Monday through Friday from 7:30 AM to 5:30 PM, with drive-thru service available from 9:00 AM to 5:00 PM. Join us today and discover how Brainerd B. N. can help you navigate your financial journey! For more information or assistance, please call us at 218-829-9065 or visit our website at bbncu.org. Let's build a brighter financial future together!

Branch History & Mission

Welcome to the Brainerd B. N. Credit Union, where our rich legacy and commitment to community run deep. Since our doors first opened in 1940, we have proudly served the residents of Brainerd, MN, from our convenient location at 804 Laurel St Ste 101. Over the years, we have grown alongside our members, building a vibrant community with a total membership of 6,685 and total assets reaching an impressive $110,997,559. Our mission is clear: to provide accessible financial services while uplifting our community. We believe in empowering individuals and families to achieve their financial goals through personalized service and innovative banking solutions. Whether you're looking for checking and savings accounts, auto loans, or mortgage refinancing, we're here to help you every step of the way. At Brainerd B. N., we understand the importance of adapting to changing times. That's why we've embraced digital advancements to enhance your banking experience. Our online and mobile banking services make it easy for you to manage your finances anytime, anywhere. While members can visit us at our branch address for in-person service, official correspondence should be sent to our mailing address at 804 Laurel St Ste 101, Brainerd, MN 56401-3799. We take pride in being more than just a financial institution; we are an integral part of the Brainerd community. Our partnerships with local organizations and outreach efforts reflect our dedication to supporting those around us. From youth programs to community events, we strive to make a positive impact. Our operating hours are designed with your convenience in mind: Monday through Friday from 7:30 AM to 5:30 PM in the lobby and from 9:00 AM to 5:00 PM at the drive-thru. Though we currently do not have ATM services available at this branch, our drive-thru banking offers essential transactions such as deposits and withdrawals. As we look toward the future, we invite you to join us on this journey. Experience firsthand how Brainerd B. N. Credit Union can make a difference in your financial life and strengthen our community together. Reach out today at 218-829-9065 or visit us online at bbncu.org for more information about membership and services offered. Join us at Brainerd B. N., where your financial well-being is our top priority!

Branch Location & Accessibility

Welcome to Brainerd B. N., your friendly neighborhood credit union located at 804 Laurel St Ste 101 in the heart of Brainerd, MN. We pride ourselves on being easily accessible, whether you're coming from downtown or nearby landmarks like the beautiful Northland Arboretum. Our branch is designed with your convenience in mind, offering ample parking and features that ensure everyone feels welcome. If you need to reach us by mail, please send correspondence to our mailing address at 804 Laurel St Ste 101, Brainerd, MN 56401-3799. At Brainerd B. N., we understand that time is valuable. That's why our lobby hours are set from 7:30 AM to 5:30 PM, Monday through Friday, making it easy for you to stop by before or after work. Plus, if you're on the go, take advantage of our drive-thru banking services available until 5:00 PM for quick deposits and withdrawals. Accessibility is a priority for us. Our branch complies with ADA standards, ensuring that all members can easily access our facilities. Whether you prefer to walk in or use the drive-thru service for simple transactions, we have options tailored just for you. We invite you to explore a variety of services designed to meet your financial needs from personal checking and savings accounts to auto loans and mortgage refinancing. If you have questions or need assistance, feel free to give us a call at 218-829-9065. Our team is always ready to help! Come visit us at Brainerd B. N., where your financial well-being is our top priority!

Member Eligibility

At Brainerd B. N., we believe that everyone deserves a supportive financial community. Joining us as a member is easy and welcoming! If you live, work, or worship in the area, you're likely eligible to become part of our family. We also welcome immediate family members of existing members, so if your loved ones are already with us, you can join in on the benefits too. The perks of membership include access to personalized banking services, competitive loan rates, and a team that truly cares about your financial well-being. To learn more about the specific eligibility criteria, feel free to visit our website at https://bbncu.org/about/membership/ . Once you're ready to take the next step towards becoming a member, opening an account is straightforward! You can find all the details you need at https://www.financial-net.com/bbncu/lending/internetloans?language=en . Should you have any questions or need assistance, don't hesitate to give us a call at (218) 829-9065. We're here for you every step of the way!

Business Banking & Commercial Services

Business Loans That Fuel Growth

Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs: - We've funded over $2 in commercial loans for our members, helping businesses scale and succeed. - With an outstanding commercial loan portfolio of $141,142, we continue to drive economic growth by financing new and expanding businesses.

Merchant Services Made Easy

Imagine managing your transactions effortlessly our merchant services provide just that. With tools designed for everyday use, you can focus on what matters most: serving your customers and growing your business. From credit card processing to point-of-sale solutions, we offer practical options that make handling payments smooth and simple. Located at 804 Laurel St Ste 101 Brainerd Mn 56401 in Brainerd, MN, we're here to help you navigate your financial journey. Reach out to us at (218) 829-9065 and discover how we can partner with you for success!

Comprehensive List Of Services

Business Banking

For entrepreneurs, our business banking services include merchant services and business loans designed to support growth and innovation. Whether you're starting a new venture or looking to expand an existing one, we provide the resources needed to help your business thrive.

Credit Cards & Rewards

At Brainerd B. N., we also offer credit cards with rewards that allow you to earn points for everyday purchases. Imagine enjoying perks while simply buying groceries or filling up your gas tank! It's a convenient way to make the most out of your spending.

Digital Banking Features

In today's fast-paced world, convenience is key. That's why we've invested in robust online and mobile banking features. You can easily manage your accounts from anywhere using our mobile application or access online banking for a full suite of services like transferring funds, paying bills, or checking balances all at the touch of a button. Plus, with options for ATM and cash withdrawal services, accessing your money has never been easier.

Drive-Thru & Basic Transactions

For those who prefer in-person interactions but want quick service, our basic drive-thru banking allows for easy deposits, withdrawals, and simple transactions without leaving your vehicle. We invite you to explore all these services and see how Brainerd B. N. can make managing your finances easier and more rewarding. If you have any questions or would like assistance with opening an account or applying for a loan, please give us a call at (218) 829-9065 or visit us today! Your financial journey starts here at Brainerd Bn Credit Union!

Personal Banking

We understand that managing your money can be overwhelming, which is why our personal banking services are designed with you in mind. From checking and savings accounts that help you keep track of your daily expenses to auto loans and vehicle financing that make purchasing your dream car easier, we've got you covered. If you're considering buying a home, our mortgage loans and refinancing options can provide the financial flexibility you need. Additionally, if life throws unexpected expenses your way, our personal loans and debt consolidation solutions can help ease your financial burden.

Digital & Online Banking

Key Features

Our online banking services at https://bbncu.org/ are available 24/7, so you can check balances, transfer funds, and pay bills whenever it suits you. Plus, with e-statements available, you can go paperless and keep all your financial records organized in one place. It's not just about convenience; it's about taking control of your finances in a way that works for you. For those who enjoy the ease of mobile payments, you'll be pleased to know that our mobile application allows you to make quick transactions right from your smartphone. Whether you're out shopping or dining with friends, paying is just a tap away. And if you need to send money to family or friends, our person-to-person transfer feature makes it simple and fast.

Security and Accessibility

Security is a top priority at Brainerd B. N.. While we currently do not support electronic signature authorization for documents, rest assured that all online transactions are safeguarded by robust security measures. You can manage your account with peace of mind knowing that your information is protected. Our mobile app enhances accessibility even further, providing real-time account management right at your fingertips. From setting up alerts to viewing transaction history, everything you need is easily accessible. In summary, whether you're checking your balance or making payments on the go, Brainerd B. N. has the tools to help you manage your money effectively. Explore our digital banking services today by visiting https://bbncu.org/ and experience the ease of banking from wherever life takes you!

Financial Strength

Community Trust

The strength of our credit union is further demonstrated by our growing membership base; we proudly support 13,725 total share accounts that trust us with their finances. This solid community connection allows us to focus on what truly matters helping our members thrive. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, Brainerd B. N. is your trusted partner. Visit us at 804 Laurel St Ste 101 Brainerd Mn 56401 or call 218-829-9065 to learn more about how we can help you achieve your financial goals.

Member-Centric Savings Options

Members' savings are secured through $38,418,849 in share certificates and $17,324,393 in money market shares, offering stable and rewarding financial growth opportunities. Unlike traditional banks, we prioritize our members; with non-member deposits at $0, our resources are focused solely on benefiting you through better loan rates, lower fees, and exclusive perks.

Operational Efficiency

Our commitment to operational efficiency is reflected in our net income of $690,833, enabling us to continue offering competitive loan rates and solid financial products for our members. We also take pride in having 17 full-time employees and 2 part-time employees, ensuring our branches are always ready to serve you with a knowledgeable and committed team.

Reinvestment in Member Services

With $9,831,784 in undivided earnings, we reinvest in innovative banking tools and stronger lending options to serve our members better. Our lending capacity supports your financial goals across various sectors, with $641 in used auto loans and a total of $58,834,145 in loans and leases available to help you achieve your dreams.

Solid Financial Health

With a net worth of $12,444,565, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of 11.21% demonstrates a solid capital foundation, ensuring that we can continue providing loans, competitive savings rates, and uninterrupted services even in uncertain economic times.

Loan Offering

Auto Loans

Looking to buy a new car? Our auto loans offer some of the lowest rates in the industry, with over $8,677,449 in used vehicle loans and $2,163,037 in new vehicle loans already helping members get on the road. We provide financing solutions tailored to fit your budget, whether you're purchasing a brand-new model or a reliable used vehicle.

Business Financing

If you're a business owner seeking capital for growth, our outstanding commercial loans totaling $141,142 are designed to support your ambitions. Whether it's expanding operations or investing in new equipment, we provide tailored solutions to help your business thrive. At Brainerd B. N., we believe in making borrowing easy and accessible. If you're interested in exploring refinancing options or checking your eligibility for any of our loan products, please visit us at our website or call us at 218-829-9065. We're here to assist you from Monday to Friday between 7:30 AM - 5:30 PM. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov , based on the latest results. Let us help you take the next step towards achieving your financial goals!

Mortgage Loans

Thinking about homeownership? Our mortgage options, including Junior Lien 1-4 Family Residential Properties loans totaling $5,994,691, make buying or refinancing simple. We offer guidance through every step of the process and work hard to ensure that your experience is smooth and straightforward.

Unsecured Credit Card Loans

For those looking for flexibility in managing finances, we also offer flexible terms on unsecured credit card loans. Although we currently have $0 in unsecured credit card loans available, our past offerings have helped many members effectively manage their expenses while building their credit.

Loan Aggregator

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Ensuring Accurate Comparisons

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BRAINERD B. N. CREDIT UNION