Bowater Employees Credit Union

Popular Accounts at this Credit Union

APY	ACCOUNT TYPE	ACCOUNT NAME
1.00%	5-year CD	60 Month CD 1.55% - National Average
0.30%	1-year CD	12 Month CD 0.62% - National Average
0.10%	Savings	Special Shares Account 1.30% - Synchrony Bank High Yield Savings

View all Bowater Employees Credit Union rates »

Overview / Commentary

www.bowaterecu.org

423-336-7268

5123 Highway 11 S
Calhoun, TN 37309

Bowater Employees Credit Union is headquartered in Calhoun and is the 27^th largest credit union in the state of Tennessee. It is also the 1,208^th largest credit union in the nation. It was established in 1954 and as of June of 2017, it had grown to 46 employees and 18,500 members at 5 locations. Bowater Employees Credit Union has an A health rating.

Field of Membership Restrictions

Membership eligibility t0 join Bowater CU is open to your and your family members if you reside, hold employment, attend church, or attend school in these Tennessee Counties Bradley, McMinn, Meigs, Monroe, and Polk.
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Health

A

Data as of Q2 2017

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Health Grade Components

Overall
NCUA #	67970
Year Chartered	1954
Employees	46
Primary Regulator

Profit Margin
Return on Assets - YTD	0.1%
Return on Equity - YTD	1.06%
Annual Interest Income	$2.6MM

Assets and Liabilities
Assets	Q2 2017vs Q2 2016	$156.4MM$146.3MM
Loans	Q2 2017vs Q2 2016	$90.2MM$89.5MM
Deposits	Q2 2017vs Q2 2016	$140.8MM$131.4MM
Equity Capital	Q2 2017vs Q2 2016	$14.5MM$14.3MM
Loan Loss Allowance	Q2 2017vs Q2 2016	$499.00K$550.00K
Unbacked Noncurrent Loans	Q2 2017vs Q2 2016	$1.2MM$1.3MM
Real Estate Owned	Q2 2017vs Q2 2016	$209.00K$275.00K

Rates

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Money Market
Checking
CD
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Bowater Employees Credit Union Savings Account Rates

APY	MIN	MAX	ACCOUNT NAME
0.35%	-	-	Accumulative IRA Account
0.10%	-	-	Share Account
0.10%	-	-	Special Shares Account
0.10%	-	$1k	Christmas Club Account

Bowater Employees Credit Union Money Market Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
0.25%	$2,500	-	Investment Plus Money Market Account

Bowater Employees Credit Union Checking Account Rates

APY	MIN	MAX	ACCOUNT NAME
0.05%	$100	-	Premium Interest Checking Account
0.02%	-	-	Free Interest Checking Account
0.02%	-	-	Gold Interest Checking Account

Bowater Employees Credit Union CD Rates

APY	MIN	MAX	ACCOUNT NAME
1.51%	$500	-	36 Month CD
1.00%	$500	-	60 Month CD
0.90%	$500	-	48 Month CD
0.50%	$500	-	30 Month CD
0.45%	$500	-	24 Month CD
0.40%	$500	-	18 Month CD
0.40%	$1k	-	25 Month Ultra CD
0.30%	$500	-	12 Month CD
0.20%	$500	-	6 Month CD

Bowater Employees Credit Union IRA Rates

APY	MIN	MAX	ACCOUNT NAME
1.51%	$500	-	36 Month IRA
1.00%	$500	-	60 Month IRA
0.90%	$500	-	48 Month IRA
0.50%	$500	-	30 Month IRA
0.45%	$500	-	24 Month IRA
0.40%	$500	-	18 Month IRA
0.40%	$1k	-	25 Month Ultra IRA
0.30%	$500	-	12 Month IRA

Locations

Bowater Employees Credit Union Locations
Branch Office	5123 Highway 11 S	Calhoun, TN 37309
Branch Office	1112 Congress Pkwy S	Athens, TN 37303-2404
Branch Office	4531 Hardwick Farms Pkwy NE	Cleveland, TN 37312-4073
Branch Office	1040 King St SE	Cleveland, TN 37311
Branch Office	1007 Keith St NW	Cleveland, TN 37311-4302