NCUA Insured
Member-Owned
2 charter
Established in 1954
Contact this credit union directly for detailed information about membership eligibility and current rates.
Membership Eligibility
Anyone who lives, works, or worships in or around Calhoun, TN may be eligible to join. Community credit unions are open to the general public within their service area.
Check eligibility on their website โNCUA Insured โ deposits protected up to $250,000
Member-Owned โ not-for-profit cooperative
2 charter
Established in 1954
Low-Income Designated
Contact this credit union directly for detailed information about membership eligibility, current rates, and services.
Services Offered
This credit union is located in Calhoun and serves members in the TN area. Currently serving 20,680 members.
Contact the credit union to confirm membership eligibility requirements for your area.
Credit union membership is based on a common bond. Contact this credit union directly to confirm you qualify for membership.
Key indicators from NCUA regulatory filings. Tap any metric to learn what it means.
Source: NCUA Federally Insured Credit Unions list, Q4 2025.
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.
Lowest rates currently reported by credit unions in TN (NCUA Q4 2025).
Calhoun, TN
Johnson City, TN
Memphis, TN
Nashville, TN
Rates from NCUA regulatory filings. Contact credit unions directly for current rates.
4.0
41 Google reviews
Reviews sourced from Google Maps. Ratings reflect member experiences at this credit union.
View on Google Mapscaylee walker
5 months ago
Iโve had a great experience with Bowater Credit Union for 15 years. The staff is always friendly, helpful, and genuinely cares about their members. Anytime Iโve had a question about my account or needed assistance, theyโve gone above and beyond to make sure everything was handled quickly and smoothly. Iโm proud to be a member!
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
5 months ago
๐ฐ'๐๐ ๐๐๐๐ ๐ ๐๐๐๐๐๐ ๐๐ ๐ฉ๐๐๐๐๐๐ ๐ช๐๐๐ ๐๐ ๐ผ๐๐๐๐ ๐๐๐ ๐๐๐ ๐๐๐๐ ๐ ๐๐๐๐'๐ ๐๐๐ ๐ฐ ๐๐๐๐๐ ๐'๐ ๐๐๐ ๐๐๐ ๐ ๐๐๐๐๐๐ ๐๐๐๐ ๐๐๐๐ ๐ฉ๐๐๐๐๐๐ ๐ช๐๐๐ ๐๐ ๐ผ๐๐๐๐. ๐จ๐๐๐๐๐๐ ๐ฐ ๐๐๐๐ ๐๐๐๐ ๐๐ ๐๐ ๐๐๐ ๐ฉ๐๐๐๐๐ ๐๐ ๐ฏ๐๐๐ ๐๐๐๐ ๐ญ๐๐๐๐ ๐ฐ ๐๐๐๐๐๐๐ ๐๐ ๐๐๐ ๐๐๐ ๐๐๐ ๐ฒ๐๐๐ ๐๐๐๐๐๐ ๐๐๐๐๐๐๐๐ ๐๐๐๐๐ ๐๐ ๐๐๐๐๐ ๐จ๐๐๐๐๐๐๐๐๐ ๐๐๐ ๐ฐ ๐๐๐๐๐๐๐ ๐๐๐ ๐๐๐๐๐ ๐ฐ ๐๐๐๐๐๐๐๐ ๐ด๐๐๐ ๐ ๐จ๐ ๐๐๐ ๐พ๐๐๐๐ ๐๐ ๐๐๐ ๐ฉ๐๐๐๐๐ ๐ด๐๐๐๐๐๐ ๐ฐ ๐๐๐๐ ๐๐๐๐๐ ๐๐๐ ๐๐๐ ๐ ๐๐๐๐๐ ๐๐๐๐๐ ๐'๐ ๐๐๐ ๐๐๐ ๐ ๐๐๐๐๐๐ ๐๐๐๐๐๐ ๐๐๐๐๐๐๐ ๐ฐ ๐๐๐๐ ๐๐๐๐ ๐๐๐'๐ ๐๐๐๐๐๐ ๐๐๐๐๐ ๐๐ ๐๐๐'๐ ๐๐๐ ๐ฐ'๐๐ ๐๐๐๐ ๐๐๐๐๐ ๐๐๐'๐ ๐๐๐๐๐๐๐๐๐. ๐พ๐๐๐ ๐๐ ๐๐๐๐ ๐๐๐๐ ๐๐๐ ๐๐๐๐๐๐๐๐ ๐ ๐ฝ๐๐๐ ๐ด๐๐๐๐ ๐ช๐๐๐๐๐๐๐๐*ฬฃฬฅโยทอฬฅโโงฬฉฬฅเฟเฝฒเพเพหอโ๏ธหอเฟเฝฒเพเพโงฬฉฬฅโยทอฬฅฬฃโ*ฬฃฬฅ ๐๐๐ ๐ ๐ฝ๐๐๐ ๐ฏ๐๐๐๐ ๐ต๐๐ ๐๐๐๐'๐ ๐๐๐ ๐ด๐๐ ๐ฎ๐๐ ๐ฉ๐๐๐๐ ๐๐๐ ๐จ๐๐
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
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.
Weekdays 9amโ4pm typically have the shortest wait times for new member inquiries.
Your deposits are federally insured up to $250,000 per account category by the National Credit Union Administration (NCUA).
Phone
(423) 336-7268Website
Visit WebsiteMembers
20,680
Total Assets
$296.3M
Year Opened
1954
Net Worth
Well Capitalized
Designations
Official NCUA Data
All data sourced from the National Credit Union Administration (NCUA).
View NCUA Profile