Credit union · NCUA insured
Brainerd BN Credit Union CD Rates
Brainerd BN Credit Union’s best CD rate is 4.37% APY on an 18-month share certificate (CD). Terms run from 6 months to 2 years. Rates checked October 16, 2026.
How Brainerd BN Credit Union’s CD rates compare
Compared with banks and credit unions near Brainerd, MN, where Brainerd BN Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Brainerd BN Credit Union
4.37%APY
- Term
- 18 months
- Minimum
- $1,000
- Earns on $10,000
- $663
Certificates of Deposit
Top rate
Mid Minnesota Federal Credit Union
5.09%APY
- Term
- 36 months
- Minimum
- $10
- Earns on $10,000
- $1,606
2nd-highest rate
Affinity Plus
4.50%APY
- Term
- 60 months
- Minimum
- $500
- Earns on $10,000
- $2,462
Brainerd BN Credit Union CD score
91
CD score
Higher than 93% of U.S. banks and credit unions
- 3–8 months3–8 mo4.16%
- 9–15 months9–15 mo4.27%
- 16–30 months16–30 mo4.37%
- QualifiedQualified4.37%
Each track runs from the lowest to the highest rate among U.S. banks and credit unions; the dot is this rate.Qualified: needs another account or monthly activity.
Where Brainerd BN Credit Union ranks
By CD score, in each area where it has branches
Every rate
Current CD rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
Certificates of Deposit
Up to 4.37%APY · 4 terms
All accounts provided by BBNCU are insured with the NCUA up to $250,000. $1,000.00 minimum opening deposit. Dividends are posted quarterly. Additional deposits are not allowed (except at maturity). Withdrawals are allowed only at maturity. Automatic renewal. A penalty may be imposed for early withdrawal. Fees may reduce earnings.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 monthsDividends posted quarterly. Early withdrawal penalty may apply. Automatic renewal | 4.16% | $206 |
| 12 monthsDividends posted quarterly. Early withdrawal penalty may apply. Automatic renewal | 4.27% | $427 |
| 18 monthsDividends posted quarterly. Early withdrawal penalty may apply. Automatic renewal | 4.37% | $663 |
| 24 monthsDividends posted quarterly. Early withdrawal penalty may apply. Automatic renewal | 4.27% | $872 |
Sources (1)
- bbncu.org/products/certificates-of-deposit · captured Oct 16, 2026
Special-purpose accounts
IRA Certificate of Deposits
4.27%APY · 2 terms
Insured with the NCUA up to $250,000. $1,000 minimum opening deposit and balance. Dividends earned quarterly. Additional deposits are allowed only at maturity. Automatic renewal. Can be for a Traditional or Roth IRA. Early withdrawal penalty may be imposed. Fees may reduce earnings.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 monthsCan be for a Traditional or Roth IRA. Dividends earned quarterly. Early withdrawal penalty may apply. Automatic renewal | 4.27% | $427 |
| 24 monthsCan be for a Traditional or Roth IRA. Dividends earned quarterly. Early withdrawal penalty may apply. Automatic renewal | 4.27% | $872 |
Sources (1)
- bbncu.org/products/ira-accounts · captured Oct 16, 2026
Who can join Brainerd BN Credit Union
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.
Membership information collected October 4, 2026.