Bowater Employees Credit Union

Overview / Commentary
5123 Highway 11 S
Calhoun, TN 37309

Bowater Employees Credit Union is headquartered in Calhoun and is the 26th largest credit union in the state of Tennessee. It is also the 1,161st largest credit union in the nation. It was established in 1954 and as of September of 2019, it had grown to 52 employees and 17,348 members at 5 locations. Bowater Employees Credit Union's money market rates are 2X the national average, and it has an A health rating.

Field of Membership Restrictions

Bowater Credit Union is open to anyone who lives, works, worships, or attends school in Bradley, McMinn, Meigs, Monroe or Polk counties in Tennessee, and family members of current credit union members.
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Health Grade Components

NCUA #67970
Year Chartered1954
Primary Regulator
Profit Margin
Return on Assets - YTD0.24%
Return on Equity - YTD2.72%
Annual Interest Income$5.3MM
Assets and Liabilities
AssetsQ3 2019vs Q3 2018$176.0MM$163.5MM
LoansQ3 2019vs Q3 2018$100.6MM$96.1MM
DepositsQ3 2019vs Q3 2018$159.2MM$146.7MM
Equity CapitalQ3 2019vs Q3 2018$15.5MM$15.0MM
Loan Loss AllowanceQ3 2019vs Q3 2018$755.00K$558.00K
Unbacked Noncurrent LoansQ3 2019vs Q3 2018$634.00K$1.2MM
Real Estate OwnedQ3 2019vs Q3 2018$282.00K$152.00K
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Bowater Employees Credit Union Savings Account Rates

1.00%--Accumulative IRA Account
0.40%$5-Share Account
0.40%--Special Shares Account
0.40%-$1kChristmas Club Account

Bowater Employees Credit Union Money Market Rates

1.00%$2.5k-Investment Plus Money Market Account

Bowater Employees Credit Union Checking Account Rates

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

2.15%$500-60 Month CD
2.02%$500-30 Month CD
2.02%$500-36 Month CD
2.02%$500-48 Month CD
1.87%$500-24 Month CD
1.76%$1k-25 Month Ultra CD
1.56%$500-18 Month CD
1.41%$500-12 Month CD
1.25%$500-6 Month CD

Bowater Employees Credit Union IRA Rates

2.15%$500-60 Month IRA
2.02%$500-30 Month IRA
2.02%$500-36 Month IRA
2.02%$500-48 Month IRA
1.87%$500-24 Month IRA
1.76%$1k-25 Month Ultra IRA
1.56%$500-18 Month IRA
1.41%$500-12 Month IRA

Bowater Employees Credit Union Locations
Branch Office5123 Highway 11 SCalhoun, TN 37309
Branch Office1112 Congress Pkwy SAthens, TN 37303-2404
Branch Office4531 Hardwick Farms Pkwy NECleveland, TN 37312-4073
Branch Office1040 King St SECleveland, TN 37311
Branch Office1007 Keith St NWCleveland, TN 37311-4302

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