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Get Started

Getting started with Bowater is easy. Open an account to join today!
Open an Account

There are several ways to take advantage of what Bowater has to offer. Whether you want to move all your banking to a trusted partner or you simply want the best rates on an account or loan, we’ve got you covered. Scroll down to see all your options for getting started.

Open an Account

Open an Account

Open an account with Bowater for great savings yields, convenient checking services and features, fewer fees, and much more.
Apply for a Loan

Apply for a Loan

Apply for a loan today and enjoy no application fees, an easy application process, and your choice of no down payment loan options.

A couple discusses the benefits of Bowater Credit Union membership with an advisor.

Membership

Learn about membership eligibility, the benefits of being a member, and referral rewards. Plus join us with our easy three-step process.

A group of workmates enjoying the benefits of their credit union membership while viewing their accounts online.

Locations and Hours

Find the branch located near you and its address, lobby and drive-thru hours, contact information, and holiday closing schedule.

A couple discusses the benefits of Bowater Credit Union membership with an advisor.

Contact Us

Need support? We’re here to help via mail, phone, email, and other options. Also find important phone numbers for things like fraud, lost cards, and balance inquiries.

Printable Applications and Forms

Printable Applications and Forms

Find the printable applications and forms you need, including loan applications, credit limit increase forms, authorized users forms, and many other documents.

Competitive Rates

Five Convenient Locations

Community-focused

Local Loan Servicing

Flexible Terms

Personalized Member Service

Competitive Rates

Five Convenient Locations

Community-focused

Local Loan Servicing

Flexible Terms

Personalized Customer Service

Get Rewarded for Referring New Members!

We’ll put $10 in your share account when your friend/coworker/family member joins Bowater Credit Union. Simply print this coupon and fill in their name and yours in the appropriate places. Please check the eligibility requirements above to ensure your invitee can become a member.

Join Bowater Credit Union in Three Easy Steps!

Step
1
Apply Online Click below to fill out a membership application. You can also visit a branch to join.
Step
2
Deposit $5 All new members must open a Savings account and deposit an initial $5.
Step
3
Welcome to Our Family! Enjoy the many perks and benefits you’ve now unlocked by becoming a member!

★★★★★

This is a wonderful place for all your banking needs & a great place if you want to find a true friend. All the employees there are fantastic, they’re always wearing a smile, ready & willing to help you in any way possible; they make going to the bank a pleasurable experience. You always leave with a smile on your face & warmth in your heart. I give Bowater Credit Union employees a huge”THANK YOU ” for all that you do each & every day to make our lives a little more enjoyable by just being “YOURSELF”.

– Ruby H., Cleveland, TN

Our Branch Locations

1112 Congress Pkwy S. Athens, TN 37303
5123 Highway 11 S Calhoun, TN 37309
4531 Hardwick Farms Pky. NE Cleveland, TN 37312
1040 King Street Cleveland, TN 37311

* Annual Percentage Yield ** Variable rate ***