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Bowater Employees

PO Box 359, Calhoun, TN 37309
NCUA Insured4.0 (41 reviews)2 charter

Verified Information

NCUA Insured

Member-Owned

2 charter

Established in 1954

Contact this credit union directly for detailed information about membership eligibility and current rates.

Location & Directions

Address

PO Box 359

Calhoun, TN 37309

Service Area

This credit union is located in Calhoun and serves members in the TN area. Currently serving 20,680 members.

Membership Info:

Contact the credit union to confirm membership eligibility requirements for your area.

Note on Membership

Credit union membership is based on a common bond. Contact this credit union directly to confirm you qualify for membership.

Financial Health

Q4 2025 ยท NCUA

Key indicators from NCUA regulatory filings. Tap any metric to learn what it means.

Source: NCUA Federally Insured Credit Unions list, Q4 2025.

Loan Rates

Rates sourced from NCUA call report data (Q4 2025). Contact the credit union for current rates and terms.

New Auto Loan

1.99%

Used Auto Loan

6.74%

Personal Loan

12.49%

Credit Card APR

9.90%

Important: Rates are sourced from NCUA call report filings (Q4 2025) and reflect averages reported by the credit union โ€” not guaranteed quotes. Contact the credit union directly for current rates and terms.

Your actual rate will vary based on your credit score, loan term, and financial profile. Personal loans and credit cards tend to see the most variation.

Best Rates in TN

Lowest rates currently reported by credit unions in TN (NCUA Q4 2025).

Rates from NCUA regulatory filings. Contact credit unions directly for current rates.

Branches & Locations(6 total)

Member Reviews

4.0

41 Google reviews

Reviews sourced from Google Maps. Ratings reflect member experiences at this credit union.

View on Google Maps
caylee walker

caylee walker

5 months ago

Iโ€™ve had a great experience with Bowater Credit Union for 15 years. The staff is always friendly, helpful, and genuinely cares about their members. Anytime Iโ€™ve had a question about my account or needed assistance, theyโ€™ve gone above and beyond to make sure everything was handled quickly and smoothly. Iโ€™m proud to be a member!

R

R

6 months ago

I love Bowater Credit Union. Great place to do business. There is one older teller with black hair on the inside, that has an attitude problem though. She never ever smiles, is generally snooty and seems to do just the bare minimum when serving you. Otherwise, the credit union is great!

Kathy R. Thomas

Kathy R. Thomas

5 months ago

๐‘ฐ'๐’—๐’† ๐’ƒ๐’†๐’†๐’ ๐’‚ ๐’Ž๐’†๐’Ž๐’ƒ๐’†๐’“ ๐’‚๐’• ๐‘ฉ๐’๐’˜๐’‚๐’•๐’†๐’“ ๐‘ช๐’“๐’†๐’…๐’Š๐’• ๐‘ผ๐’๐’Š๐’๐’ ๐’‡๐’๐’“ ๐’•๐’‰๐’† ๐’‘๐’‚๐’”๐’• ๐Ÿ• ๐’š๐’†๐’‚๐’“'๐’” ๐’‚๐’๐’… ๐‘ฐ ๐’„๐’๐’–๐’๐’…๐’'๐’• ๐’‚๐’”๐’Œ ๐’‡๐’๐’“ ๐’‚ ๐’ƒ๐’†๐’•๐’•๐’†๐’“ ๐’ƒ๐’‚๐’๐’Œ ๐’•๐’‰๐’‚๐’ ๐‘ฉ๐’๐’˜๐’‚๐’•๐’†๐’“ ๐‘ช๐’“๐’†๐’…๐’Š๐’• ๐‘ผ๐’๐’Š๐’๐’. ๐‘จ๐’๐’š๐’•๐’Š๐’Ž๐’† ๐‘ฐ ๐’๐’†๐’†๐’… ๐’‰๐’†๐’๐’‘ ๐’ˆ๐’ ๐’•๐’ ๐’•๐’‰๐’† ๐‘ฉ๐’“๐’‚๐’๐’„๐’‰ ๐’‚๐’• ๐‘ฏ๐’‚๐’“๐’…๐’˜๐’Š๐’„๐’Œ ๐‘ญ๐’‚๐’“๐’Ž๐’” ๐‘ฐ ๐’”๐’•๐’‚๐’“๐’•๐’†๐’… ๐’‚๐’• ๐’•๐’‰๐’† ๐’๐’๐’† ๐’๐’๐’† ๐‘ฒ๐’Š๐’๐’ˆ ๐’”๐’•๐’“๐’†๐’†๐’• ๐’๐’๐’„๐’‚๐’•๐’Š๐’๐’ ๐’”๐’•๐’Š๐’๐’ ๐’ˆ๐’ ๐’•๐’‰๐’†๐’“๐’† ๐‘จ๐’„๐’„๐’‚๐’”๐’Š๐’๐’๐’๐’š ๐’ƒ๐’–๐’• ๐‘ฐ ๐’‘๐’†๐’“๐’—๐’†๐’“๐’† ๐’•๐’‰๐’† ๐’๐’•๐’‰๐’†๐’“ ๐‘ฐ ๐’‡๐’๐’๐’๐’๐’˜๐’†๐’… ๐‘ด๐’‚๐’๐’…๐’š ๐‘จ๐’…๐’‚๐’Ž๐’” ๐‘พ๐’‰๐’Š๐’„๐’‰ ๐’Š๐’” ๐’•๐’‰๐’† ๐‘ฉ๐’“๐’‚๐’๐’„๐’‰ ๐‘ด๐’‚๐’๐’‚๐’ˆ๐’†๐’“ ๐‘ฐ ๐’‰๐’‚๐’—๐’† ๐’Œ๐’๐’๐’˜๐’ ๐’‰๐’†๐’“ ๐’‡๐’๐’“ ๐Ÿ• ๐’š๐’†๐’‚๐’“๐’” ๐’„๐’๐’–๐’๐’…๐’'๐’• ๐’‚๐’”๐’Œ ๐’‡๐’๐’“ ๐’‚ ๐’ƒ๐’†๐’•๐’•๐’†๐’“ ๐’‘๐’†๐’“๐’”๐’๐’ ๐’‚๐’๐’š๐’•๐’Š๐’Ž๐’† ๐‘ฐ ๐’๐’†๐’†๐’… ๐’‰๐’†๐’๐’‘ ๐’”๐’‰๐’†'๐’” ๐’‚๐’๐’˜๐’‚๐’š๐’” ๐’•๐’‰๐’†๐’“๐’† ๐’Š๐’‡ ๐’”๐’‰๐’†'๐’” ๐’๐’๐’• ๐‘ฐ'๐’๐’ ๐’˜๐’‚๐’Š๐’• ๐’–๐’๐’•๐’Š๐’ ๐’”๐’‰๐’†'๐’” ๐’‚๐’—๐’‚๐’Š๐’๐’‚๐’ƒ๐’๐’†. ๐‘พ๐’‚๐’๐’• ๐’•๐’ ๐’˜๐’Š๐’”๐’‰ ๐’†๐’‚๐’„๐’‰ ๐’‚๐’๐’… ๐’†๐’—๐’†๐’“๐’š๐’๐’๐’† ๐’‚ ๐‘ฝ๐’†๐’“๐’š ๐‘ด๐’†๐’“๐’“๐’š ๐‘ช๐’‰๐’“๐’Š๐’”๐’•๐’Ž๐’‚๐’”*ฬฃฬฅโ˜†ยทอ™ฬฅโ„โ€งฬฉฬฅเฟŒเฝฒเพ€เพ‡หŸอ™โ˜ƒ๏ธหŸอ™เฟŒเฝฒเพ€เพ‡โ€งฬฉฬฅโ„ยทอ™ฬฅฬฃโ˜†*ฬฃฬฅ ๐’‚๐’๐’… ๐’‚ ๐‘ฝ๐’†๐’“๐’š ๐‘ฏ๐’‚๐’‘๐’‘๐’š ๐‘ต๐’†๐’˜ ๐’€๐’†๐’‚๐’“'๐’” ๐’‚๐’๐’… ๐‘ด๐’‚๐’š ๐‘ฎ๐’๐’… ๐‘ฉ๐’๐’†๐’”๐’” ๐’€๐’๐’– ๐‘จ๐’๐’

Lila Chaffin

Lila Chaffin

4 months ago

Just wanted to thank Courtney Crick for helping my family after mother's death. She made it easy for us to close out her account. Couldn't ask for a better experience. The Bryan family. Also to Lori for being so kind to mother over the years.

AVA

AVA

3 months ago

If you are visiting and need to get change for an event, do not waste your time here. I used their ATM for cash and selected to provide $10 bills back. The machine dispersed only $20 bills. I went inside and they refuse to give change to anyone without an account. The irony? I walked into Piggly Wiggly right down the road and they had no problem exchanging my $20s for $10s on the spot. If a grocery store can manage giving change to a stranger, a literal bank should be able to as well. It feels un-neighborly and ridiculous to punish people just for being visitors, let alone paying the $3 ATM fee and not getting the denominations I asked for. They do not understand what customer service means.

Contact Tips

Best Time to Call

Weekdays 9amโ€“4pm typically have the shortest wait times for new member inquiries.

What to Ask

  • โ€ข Current loan rates & terms
  • โ€ข Membership eligibility requirements
  • โ€ข Minimum deposit to open an account
  • โ€ข Online & mobile banking features

NCUA Insured

Your deposits are federally insured up to $250,000 per account category by the National Credit Union Administration (NCUA).