Credit union · NCUA insured
Brainerd BN Credit Union Savings Rates
Brainerd BN Credit Union’s best savings rate is 0.60% APY on $10,000, with its Money Market. Rates checked October 16, 2026.
How Brainerd BN Credit Union’s savings 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
0.60%APY
- Requires
- None
- Minimum
- $5
- Earns on $10,000 a year
- $60
Money Market
Top rate
Mid Minnesota Federal Credit Union
5.00%APY
- Requires
- None
- Minimum
- —
- Earns on $10,000 a year
- $500
2nd-highest rate
Affinity Plus
3.50%APY
- Requires
- Monthly account activity
- Minimum
- —
- Earns on $10,000 a year
- $350
Brainerd BN Credit Union savings score
80
Savings score
Higher than 52% of U.S. banks and credit unions
- $1,000 balance$1,0000.15%
- $10,000 balance$10,0000.60%
- $100,000 balance$100,0000.60%
- QualifiedQualified0.60%
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 savings score, in each area where it has branches
Every rate
Current savings rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
Money Market
0.60%APY
Earns dividends quarterly. If balance drops below the minimum balance you earn the Universal Savings dividend rate.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $2,499 | 0.15% | — | |
| $2,500 and upMust maintain a balance of $2,500 to earn the highest yield. | 0.60% | $60 | Must maintain a balance of $2,500 to earn the highest yield. |
Sources (1)
- bbncu.org/products/savings-checking · captured Sep 18, 2026
Universal Savings
0.15%APY
Earns dividends quarterly.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $5 and upRequired $5 minimum balance. Earns dividends quarterly.$5 and up | 0.15% | $15 | Required $5 minimum balance. Earns dividends quarterly. |
Sources (1)
- bbncu.org/products/savings-checking · captured Oct 16, 2026
Regular Savings
0.10%APY
Required for all members to provide them with a share in the Credit Union. Earns dividends quarterly. Eligible for Minnesota Life Group Life Insurance.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $5 and upRequired $5 minimum balance. Earns dividends quarterly.$5 and up | 0.10% | $10 | Required $5 minimum balance. Earns dividends quarterly. |
Sources (1)
- bbncu.org/products/savings-checking · captured Oct 16, 2026
Special-purpose accounts
IRA savings
0.40%APY
Roth and Traditional options available.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Any balance | 0.40% | $40 |
Sources (1)
- bbncu.org/products/ira-accounts · captured Oct 16, 2026
Christmas Club
0.30%APY
In October, the Credit Union will mail you a check for the amount in this account. You cannot withdraw money from this account without closing the account. Earns dividends quarterly.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $5 and upRequired $5 minimum balance. Earns dividends quarterly.$5 and up | 0.30% | $30 | Required $5 minimum balance. Earns dividends quarterly. |
Sources (1)
- bbncu.org/products/savings-checking · 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.