Credit union · NCUA insured
Brainerd BN Credit Union
A $124.4M credit union headquartered in Brainerd, MN, with 6,689 members and 1 branch in Minnesota. Best rates: CDs 4.37% and savings 0.60% APY.
Brainerd BN Credit Union Carrot Score
82
Carrot Score
Higher than 59% of U.S. banks and credit unions
#6 of 12 in Brainerd, MN metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About Brainerd BN Credit Union
Headquartered in Brainerd, Minnesota, Brainerd BN Credit Union was organized in 1940 as Brainerd NP Credit Union to serve Northern Pacific Railway workers in central Minnesota.
In 1970, the member-owned institution adopted its current name after a railway merger.
- Headquarters
- 804 Laurel St Ste 101, Brainerd, MN 56401-3799
- NCUA charter
- 60436
Membership
Who can join
This may be incomplete or out of date, so check with the credit union before you apply.
Employers and groups
- Employees of BNSF Railway and BN Credit Union, along with their spouses, are eligible for membership.
Family and household
- Blood or adoptive relatives (and their spouses) of current Brainerd BN Credit Union members are eligible for membership.
- The surviving spouse of a qualified member, as well as the blood or adoptive relatives of either of them and their spouse, may become members.
Other ways
- When an individual member leaves the field of membership, that member and all individuals who became members by virtue of their membership may continue as members.
- Organizations composed mostly of the same general group as credit union membership may become members.
Branches
1 branch in Minnesota
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Minnesota
1 branch
- Brainerd BN Credit UnionMain office804 Laurel St Ste 101, Brainerd, MN 56401Directions
Walk-in offices from the NCUA directory as of March 31, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
Well capitalizedas reported to the NCUA
| Measure | This credit union | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalNet worth ratio | 10.76% | 11.43% | 13.58% or more |
| Troubled loans60+ days late | 0.17% | 0.68% | 0.39% or less |
| ProfitabilityReturn on assets | 0.47% | 0.75% | 1.18% or more |
| LendingLoans per $100 deposited | $56 | $76 | — |
- CapitalNet worth ratio10.76%Peers’ middle 11.43% · Top 25% 13.58%+
- Troubled loans60+ days late0.17%Peers’ middle 0.68% · Top 25% ≤0.39%
- ProfitabilityReturn on assets0.47%Peers’ middle 0.75% · Top 25% 1.18%+
- LendingLoans per $100 deposited$56Peers’ middle $76
Compared with the 1,338 credit unions with $100 million to $1 billion in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are loans 60 or more days late.
Regulators’ own ratings of Brainerd BN Credit Union are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.