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iAdvertiser Disclosure
Advertiser Disclosure
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 Bowater Employees Credit Union Rates & Review April 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: April 19, 2026
Bowater Employees Credit Union's 6-month CD Account (TSA) rates are at 3.63%. Bowater Employees Credit Union's Vacation Loan rates are at 5.75%. 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 6.33%. Rates were last updated on 04/19/2026. 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 
Bowater Employees Credit Union CD Rates
Bowater Employees Credit Union Savings Rates
Bowater Employees Credit Union Checking Rates
Bowater Employees Credit Union Mortgage Rates
Bowater Employees Credit Union Home Equity & HELOC
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
64
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 (97/100)
Texas Ratio
6.33%
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
Frequently Asked Questions About Bowater Employees Credit UnionIs Bowater Employees Credit Union a safe place to deposit money?Yes, Bowater Employees Credit Union is considered a safe financial institution. With a Texas Ratio of 6.3305297617322%, the institution's financial health is rated as excellent. Your accounts are federally insured by the NCUA (National Credit Union Administration) up to $250,000 per depositor, for each account ownership category. 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. Compare to Other Credit Unions
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