B. M. H.

PO BOX 3060, Cleveland, TN 37320

NCUA Insured4.7 (29 reviews)1 charter

Verified Information

NCUA Insured

Member-Owned

1 charter

Established in 1980

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 Cleveland, TN may be eligible to join. Community credit unions are open to the general public within their service area.

Check eligibility on their website →

Verified Information

NCUA Insured — deposits protected up to $250,000

Member-Owned — not-for-profit cooperative

1 charter

Established in 1980

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

Services Offered

Auto LoansPersonal LoansChecking AccountsMortgagesBusiness Loans

Location & Directions

Address

PO BOX 3060

Cleveland, TN 37320

Google Maps 🗺Waze

(423) 559-6185

Service Area

This credit union is located in Cleveland and serves members in the TN area. Currently serving 484 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 · 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

5.86%

Used Auto Loan

8.46%

Personal Loan

15.11%

Important: Rates are sourced from NCUA call report filings (Q4 2025) and reflect averages reported by the credit union — 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).

Bowater Employees— New Auto Loan

Calhoun, TN

1.99%

Select Seven— Used Auto Loan

Johnson City, TN

4.00%

Cn/Ic Employees— Personal Loan

Memphis, TN

5.00%

Tennessee Employees— Credit Card APR

Nashville, TN

7.90%

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

Branches & Locations(3 total)

Member Reviews

4.7

29 Google reviews

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

View on Google Maps

Courtney Arnwine

9 months ago

I've tried other credit unions but bowater credit union is a quick, no-hassle experience with very nice people who offer wonderful customer service! I'll never bank anywhere else!

Natalie Shealy

a year ago

Lisa was great! If you’re looking for a local community bank you switch over to, I recommend Bowater. You’re able to build great client/banker relationships with them - which is lacking at many other banks these days.

Elizabeth Herzog

a year ago

Had the absolute greatest experience becoming a member and taking out a personal loan! Blythe made our experience smooth while being welcoming and accommodating to our needs!

April “TheOG” Patterson

9 months ago

Thank you for showing compassion and great service. Top notch bank in cleveland tn!

Shannon Mcalister

3 years ago

I'm very disappointed in the new guy and girl who have came in trying to run this bank! My husband and I plus our entire family have been banking here for many years. And have spent thousands of dollars and paid back. Any loans! But when they recently came in they FIRED the Best Loan officer ever, Mrs. Susan Burris! She knew more about this bank than anyone after being there 30 + years and only 3 years to retire! It's a shame! The majority of people came there because they loved Susan, And she knew exactly what she was doing! All I can say is they made a huge mistake because this place is going down, Susan was the best they had! Good luck Bowater credit union because your gonna need it, im sure many other people will be leaving as well! As of tomorrow we will be pulling out our 2 savings accounts bank accounts and 2 loans. I'm very disappointed in the treatment she received from the new people as well! I would advise anyone who would like good and friendly customer service to try anywhere but Bowater credit union! Very displeased former customers it will come back to you! So I would suggest if you are looking for good customer service and caring people find another bank, Bowater is not what it used to be!