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Bowater Employees Credit Union

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Bowater Employees Credit Union Rates & Review June 2026

Q: 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.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated: June 25, 2026

You can compare Bowater Employees Credit Union rates to other rates in our database, including 12-month share certificate rates currently at 0.15%, 6-month share certificate rates at 0.25% and 3-month share certificate rates at 0.55%. Savings rates are at 0.04% and money market rates are at 0.35%. Mortgage rates on 30-year fixed loans are around 6.24%. All these rates can be compared to Bowater Employees Credit Union rates. 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 5.74%. Rates were last updated on 06/25/2026.

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.

Verified Healthy Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

A+

Exceptional Health Score: 97/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

5.74%

Excellent Lower than avg

Bowater Employees Credit Union
Calhoun Branch

5123 Highway 11 S
Calhoun, TN 37309

https://www.bowaterecu.org

Current Rate Availability

We do not have Bowater Employees Credit Union rates right now, but we are constantly updating our database so check back often for updated rates.

Methodology & Data Sources

MonitorBankRates 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 64

Part-Time Employees 9

Branch Locations 6

ATM Locations 6

NCUA Insured ✓ Yes — Up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A+ (97/100)

Texas Ratio

5.74%

Return on Assets (ROA)

0.6856%

Return on Equity (ROE)

7.1169%

Non-Performing Loans Ratio (NPL)

0.89%

Total Assets

299,400,454

Total Amount of Shares and Deposits

267,694,120

Total Shares and Deposits < 1 Year

265,169,262

Total Shares and Deposits 1 3 Years

1,799,661

Total Shares and Deposits > 3 Years

725,198

Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)

18,196,754

Total Uninsured Shares and Deposits > $250K (F+J)

18,196,754

Total Insured Shares and Deposits > $250K (item 17 less item K)

249,497,366

Total Interest Expense (Sum of items 6 8)

4,516,776

Share Certificates

2,266

Number of Accounts for Share Drafts

14,755

IRA KEOGH Accounts

701

Number of Accounts for Regular Shares

20,571

All other shares

1,517

Money Market Shares

530

Net Income (unless the amount is already included in Undivided Earnings)

2,052,789

Total Cash on Deposit (Amounts Deposited in Financial Institutions)

36,856,709

Total Liabilities

270,688,704

Source: NCUA — Last Updated 09/30/2025

2026 MBR Health & Safety Badge

Bowater Employees Credit Union earned the Verified Healthy badge

Display this badge on your website to show visitors your 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.

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Learn more about the MBR Health & Safety Badge program on our methodology page.

Customer Reviews

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Frequently Asked Questions About Bowater Employees Credit Union

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.