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 1,199th largest credit union in the nation. It was established in 1954 and as of December of 2018, it had grown to 51 employees and 16,781 members at 5 locations. Bowater Employees Credit Union's money market rates are 2X the national average, and it has a B+ 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 Grade Components

NCUA #67970
Year Chartered1954
Primary Regulator
Profit Margin
Return on Assets - YTD0.3%
Return on Equity - YTD3.18%
Annual Interest Income$6.3MM
Assets and Liabilities
AssetsQ4 2018vs Q4 2017$163.0MM$157.8MM
LoansQ4 2018vs Q4 2017$97.2MM$91.7MM
DepositsQ4 2018vs Q4 2017$146.7MM$141.5MM
Equity CapitalQ4 2018vs Q4 2017$15.2MM$14.7MM
Loan Loss AllowanceQ4 2018vs Q4 2017$583.00K$484.00K
Unbacked Noncurrent LoansQ4 2018vs Q4 2017$1.6MM$999.00K
Real Estate OwnedQ4 2018vs Q4 2017$152.00K$273.00K
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Bowater Employees Credit Union Savings Account Rates

1.00%--Accumulative IRA Account
0.50%$5-Share Account
0.50%--Special Shares Account
0.50%-$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

3.30%$500-60 Month CD
2.79%$500-30 Month CD
2.12%$500-48 Month CD
2.02%$500-36 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

3.30%$500-60 Month IRA
2.79%$500-30 Month IRA
2.12%$500-48 Month IRA
2.02%$500-36 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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