Bowater Employees Credit Union

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A short history of Bowater Employees CU

Since its inception in 1954 the Bowater Employees Credit Union has been serving its members in the Calhoun, Tennessee area with exceptional financial products. You can find their current interest rates on used car loans, new car loans, 1st mortgage loans and interest rates on both fixed and adjustable mortgages here on these pages. Currently led by Denley Hines, the Bowater Employees CU has grown its membership to over 18,500 with assets of more than $156,421,349. They have a main office and 5 branch offices. Please see the credit unions website or contact them by phone at (423) 336-7268 or email them at none to get exact details . There are many other credit unions in the local area. See them all here. Credit Unions in Calhoun, TN.

General Information For Bowater Employees CU was taken from their 6/30/2017 quarterly report, which is the most current available public information.

Charter Number 67970
Address PO Box 359 
City Calhoun 
State Tennessee 
Zip-Code 37309
Phone Number (423) 336-7268
Fax Number (423) 336-7740
Email Address: none
CEO/President Denley Hines
Members 18,500 
Full-Time Employees 46 
Part-Time Employees
Number of Branch Offices
Total Assets 156,421,349 

Compare Bowater Employees Credit Union To Other Local Credit Unions

Credit Union Name
Branch Name
Zip Code
Phone Number
ATM Access
Distance (Miles)
O.m.c. Employees' CU OMC Employees Credit Union 1186 Old Lower River Rd NW 37310 (423) 336-4331 No 2.64
B. M. H. CU FISERV/INTEGRASYS 13245 Reese Blvd W Ste 130 28078 (704) 948-3090 No 11.94
Pathway CU PATHWAY CREDIT UNION 2751 RALPH BUCKNER BLVD NE 37320 (423) 479-2168 No 12.09
A.u.b. Employees' CU Athens Utilities Board 100 New Englewood Rd 37371 (423) 507-6042 No 12.23
Cleveland-bradley Cty Teacher CU Cleveland Bradley County Teachers Federal Credit Union 137 Ocoee Xing NW 37320 (423) 479-6392 No 13.10

Bowater Employees Credit Union Financial Performance Charts

Performance Charts

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Financial Data

Bowater Employees Credit Union Lowest Loan Rates With State and USA Rankings

Unsecured Credit Card New Car Loans Used Car Loans 1st Mortgage Loans Other Real Estate
Rate 9.90 3.48 4.97 4.02 3.96
Mean Rate For All USA Based Credit Unions 10.56 3.72 5.00 4.48 4.95
Rank Among All USA Credit Unions 243 207 321 141 96
Rank Among All Tennessee Credit Unions 19 44 49 25 9

Bowater Employees Credit Union Highest Deposit Rates With State and USA Rankings

Checking Regular Savings Money Market Certificates of Deposits IRA/KEOGH
Rate 0.02 0.10 0.25 0.89 0.74
Mean Rate For All USA Based Credit Unions 0.19 0.26 0.29 0.73 0.66
Rank Among All USA Credit Unions 135 129 105 192 193
Rank Among All Tennessee Credit Unions 16 17 16 17 19
Bowater Employees Credit Union Loans and Leases

Interest Rate Number of Loans Amount
Unsecured Credit Card Loans 9.9001,4992,633,829
All Other Unsecured Loans/Lines of Credit 13.7201,8938,362,917
Short-Term, Small Amount Loans (STS) (Federal CU Only) 0.00000
Non-Federally Guaranteed Student Loans 0.00000
New Vehicle Loans 3.48060312,914,768
Used Vehicle Loans 4.9702,93729,771,263
Total 1st Mortgage Real Estate Loans/Lines of Credit 4.02021515,318,591
Total Other Real Estate Loans/Lines of Credit 3.96036512,546,093
Leases Receivable 0.00000
Total All Other Loans/Lines of Credit 5.2607258,623,536
TOTAL LOANS & LEASES 8,23790,170,997

Bowater Employees Credit Union Real Estate Loans and Lines of Credit


No. of Loans Outstanding Amt of Loans Outstanding No. of Loans Granted Year- to-Date Amount Granted Year-To-Date
Fixed Rate
    a. > 15 years 0000
    b. 15 Years or less 1074,262,0594231,293
    a. > 15 years 0000
    b. 15 Years or less 0000
Other Fixed Rate 0000
Adjustable Rate 1 yr or less 10710,847,157149,264
Adjustable Rate > 1 yr 1209,37500


Closed-End Fixed Rate 0000
Closed-End Adjustable Rate 62496,708549,169
Open-End Adjustable Rate 30312,049,385211,719,501
Open-End Fixed Rate 0000
TOTALS 58027,864,684312,049,227


Interest Only & Payment Option 1st Mortgage Loans 000
Interest Only & Payment Option Other RE/LOC Loans 000
    a. Federally Insured Home Equity Conversion Mortgage (HECM) 0000
    b. Proprietary Reverse Mortgage Products 0000

Bowater Employees Credit Union Member Offerings
First Time Homebuyer Program No
Real Estate Loans Yes
Pay Day Lending No
Share Secured Credit Cards No
Overdraft Protection/Courtesy Pay Yes
Overdraft Lines of Credit Yes
ATM/Debit Card Program Yes
Interest Only and Payment Option 1st Mortgage Loans No
Check Cashing Yes
Money Orders Yes
No Surcharge ATMs Yes
Home Banking Via Internet Website Yes