|
iAdvertiser Disclosure
Advertiser Disclosure
Some institutions listed may have a business relationship with MonitorBankRates. Our proprietary systems independently track and verify all rates. Advertiser relationships do not influence our Safety Ratings, Star Ratings, Texas Ratio calculations, or the rates shown.
 Bowater Employees Credit Union Rates & Review November 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 and Verified: October 30, 2026
Bowater Employees Credit Union's 6-month CD Account (TSA) rates are at 3.94%, CD of Deposit Special - 9 Month rates are at 4.25%, CD of Deposit Special - 15 Month rates are at 4.17%, 12-month TSA/IRA rates are at 3.56%, 18-month TSA/IRA rates are at 3.04%. Bowater Employees Credit Union's checking rates are as high as 0.03%. Bowater Employees Credit Union's Personal Loan Rates are as low as 12.24%. Bowater Employees Credit Union's CD rates are 41% higher than the MonitorBankRates national average, and it has an A+ health rating. MonitorBankRates evaluates the financial stability of Bowater Employees Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 4.53%. Rates last updated and verified on 10/30/2026. Bowater Employees 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 Bowater Employees Credit Union? Share your experience about Bowater Employees Credit Union by leaving a review below, or read customer reviews before you decide to use Bowater Employees Credit Union. Bowater Employees Credit Union
Calhoun Branch 5123 Highway 11 S
https://www.bowaterecu.org Calhoun, TN 37309  Customer Reviews
Be the first to review
Write a Review
Financial health data as of Q2 2026 (NCUA 5300 call report for the quarter ended June 30, 2026). This is the most recent call report available. The NCUA publishes credit union call reports about ten weeks after each quarter ends. Bowater Employees Credit Union CD Rates
Bowater Employees Credit Union Savings Rates
Bowater Employees Credit Union Checking Rates
Bowater Employees Credit Union Home Equity & HELOC
Bowater Employees Credit Union Auto Loan Rates
Bowater Employees Credit Union RV, Boat and Powersport Loan Rates
Bowater Employees Credit Union Personal Loan Rates
Bowater Employees Credit Union Other Rates
Financial Health HistoryBowater Employees Credit Union’s Texas Ratio fell from 5.08% in Q3 2023 to 4.53% in Q2 2026, so its financial health has stayed very strong over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. Lower Texas Ratios are healthier — this credit union’s entire history sits far below the 15% threshold for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures. Swipe the chart sideways to see every quarter.
Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade
Powered by
MonitorBankRates
How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops. Show the quarterly figures
Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.
Methodology & Data SourcesMonitorBankRates Star Rating
Our rating for Bowater Employees 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 Bowater Employees 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 Bowater Employees Credit Union's official website for the most current offers and terms.
Credit Union Profile & Overview
Credit Union Name
Bowater Employees Credit Union
Website
https://www.bowaterecu.org
Address
5123 Highway 11 S,
Calhoun, TN 37309
Phone
423-336-7268
Fax
423-336-7740
President
David Lattimore
CEO
Ginger Carter
Full-Time Employees
62
Part-Time Employees
9
Branch Locations
6
ATM Locations
6
NCUA Insured
✓ Yes, up to $250,000 per depositor
FinancialsMonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A+ (98/100)
Texas Ratio
4.53%
Return on Assets (ROA)
0.8689%
Return on Equity (ROE)
8.0640%
Non-Performing Loans Ratio (NPL)
0.74%
Total Assets
302,602,859
Total Amount of Shares and Deposits
267,905,969
Total Shares and Deposits < 1 Year
266,083,995
Total Shares and Deposits 1 3 Years
1,643,622
Total Shares and Deposits > 3 Years
178,351
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
18,415,806
Total Uninsured Shares and Deposits > $250K (F+J)
18,415,806
Total Insured Shares and Deposits > $250K (item 17 less item K)
249,490,163
Total Interest Expense (Sum of items 6 8)
2,089,339
Share Certificates
2,138
Number of Accounts for Share Drafts
15,164
IRA KEOGH Accounts
690
Number of Accounts for Regular Shares
21,135
All other shares
1,554
Money Market Shares
682
Net Income (unless the amount is already included in Undivided Earnings)
2,629,237
Net Worth Classification if credit union is not new (Based upon Call Report data only See instructions)
Well Capitalized
Net Worth Classification if credit union is a new credit union
Well Capitalized
Total Cash on Deposit (Amounts Deposited in Financial Institutions)
24,390,261
Total Liabilities
269,998,344
Source: NCUA — Last Updated 06/30/2026
Customer Reviews
There are no reviews for Bowater Employees Credit Union yet. Feel free to create one below.
Looking for more bank and credit union reviews?
Visit our Community Reviews hub to read what other members are saying, ask questions, and join the conversation.
Add Your Rating and Review for Bowater Employees Credit Union
Frequently Asked Questions About Bowater Employees Credit UnionDoes Bowater Employees Credit Union offer CDs?Yes. Bowater Employees Credit Union current CD rates include its CD of Deposit Special - 9 Month at 4.25% APY, its CD of Deposit Special - 15 Month at 4.17% APY and its 6-month CD Account (TSA) at 3.94% APY, verified by MonitorBankRates as of October 30, 2026. Are CDs from Bowater Employees Credit Union NCUA insured?Yes. Bowater Employees Credit Union is insured by the National Credit Union Administration (NCUA), so CDs opened there are insured up to $250,000 per depositor, per ownership category. What is the highest CD rate at Bowater Employees Credit Union?The highest Bowater Employees Credit Union CD rate is its CD of Deposit Special - 9 Month at 4.25% APY, verified by MonitorBankRates as of October 30, 2026. What CD terms does Bowater Employees Credit Union offer?Bowater Employees Credit Union CD rates are 3.94% APY for a 6 month CD, 4.25% APY for a 9 month CD, 3.56% APY for a 12 month CD, 4.17% APY for a 15 month CD, 3.04% APY for an 18 month CD, 2.79% APY for a 2 year CD and 1.00% APY for a 5 year CD, verified by MonitorBankRates as of October 30, 2026. The institution may offer other terms or specials that are not listed here, so check with Bowater Employees Credit Union for its full lineup. What is the highest checking rate at Bowater Employees Credit Union?The highest Bowater Employees Credit Union checking rate is its Premium Interest Checking at 0.03% APY, verified by MonitorBankRates as of October 30, 2026. What is the lowest auto loan rate at Bowater Employees Credit Union?The lowest Bowater Employees Credit Union auto loan rate is its New Cars, Trucks, and Vans Loan at 3.99%, verified by MonitorBankRates as of October 30, 2026. Bowater Employees Credit Union auto loan rates are 4.99% for a 36 month auto loan, 4.99% for a 60 month auto loan and 5.49% for a 72 month auto loan. What is the lowest personal loan rate at Bowater Employees Credit Union?The lowest Bowater Employees Credit Union personal loan rate is its Personal Loan at 12.24%, verified by MonitorBankRates as of October 30, 2026. How many branches does Bowater Employees Credit Union operate?Bowater Employees 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 Bowater Employees Credit Union?Yes, to access services at Bowater Employees 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, Bowater Employees 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, Bowater Employees Credit Union provides members with tools to manage their accounts and build a solid financial history. Does Bowater Employees Credit Union offer online and mobile banking?Most modern institutions like Bowater Employees 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.bowaterecu.org. Are all CD rates listed on MonitorBankRates federally insured?Most are. Banks are insured by the FDIC and most credit unions by the NCUA, up to $250,000 per depositor, per ownership category. A small number of credit unions are privately insured instead, and we label them on their pages. MonitorBankRates is not a bank or credit union; deposit insurance comes from the institution where you open the account. I want to open a CD with an institution listed on MonitorBankRates. How do I open the account?You open the account directly with the bank or credit union. Use the View button next to a rate to go to the institution's website, then apply online, by phone or at a branch. Credit unions require membership, so you may need to join first. Confirm the current rate and terms with the institution before you deposit. If I open a CD I found on MonitorBankRates, is my account with MonitorBankRates or the institution?Your account is with the financial institution. MonitorBankRates is a rate comparison site; we do not open accounts, hold deposits or handle your money. Why are some CD offers not available for me to open?Some offers are limited to certain states or local areas, require membership in the credit union, need a minimum deposit, or were promotions that have since ended. Rates can also change after we verify them. The institution's website has the current eligibility rules. How do Bowater Employees Credit Union rates compare?Bowater Employees Credit Union's CD rates are 41% higher than the MonitorBankRates national average, and it has an A+ health rating. Bowater Employees Credit Union's top rates are its CD of Deposit Special - 9 Month at 4.25% APY, its Premium Interest Checking at 0.03% APY and its Personal Loan at 12.24% APR, verified by MonitorBankRates on October 30, 2026. Current Bowater Employees Credit Union Rates
Retrieved from our database of financial products. Rates subject to change.
Compare to Other Credit Unions
United Credit Union Tyler, TX
Magnolia Federal Credit Union
Marion County School Employees Federal Credit Union
UPS Employees Credit Union
Settlers Federal Credit Union
Hawaii Schools Federal Credit Union
WCU Credit Union
Member Preferred Federal Credit Union
Brosnan Yard Federal Credit Union
TAPCO Credit Union
Union Federal Credit Union
Rally Credit Union
Ukrainian Federal Credit Union
Rancho Federal Credit Union
Southern Pine Credit Union
Port Arthur Community Federal Credit Union
CCMH Federal Credit Union
Frontwave Credit Union
Alexandria Schools Employees Credit Union
Community 1st Credit Union Ottumwa, IA
North Penn Federal Credit Union
|
|||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
