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Membership Eligibility

Experience the benefits our members enjoy. Join our family if you live, work, worship, or attend school in our area.
Join Today

Community Residency

A couple discusses applying for a credit union membership while walking their dog around the neighborhood.

Membership is open to those who live, work, worship, or go to school in our 5-county community:

  • Bradley County
  • McMinn County
  • Meigs County
  • Monroe County
  • Polk County

Family Ties

A happy family bonding over the benefits of their credit union membership.

Immediate family relations of current members are eligible to join. Family members include:

  • Spouse
  • spouse’s parent
  • Child
  • Step-child
  • Grandparent
  • Spouse’s grandparent
  • Grandchild
  • Brother
  • Sister
  • Brother- or sister-in-law
  • Step-brother or step-sister
  • Aunt or uncle
  • Niece or nephew

Partner Companies

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

Anyone who works for one of our Partner Companies is in!

Doing Good

A volunteer serving the homeless.

Through our partnership with The Bowater Good Fellows, a local 501c3 (non-profit organization), we will pay your contribution to the Good Fellows, and then you are in!.

Refer For Rewards

Already a member and know someone who should be a member?

Invite them to Bowater Credit Union! We’ll put $10 in your share account when your friend/coworker/family member opens their account using your invitation. Just print this coupon and fill in their name and yours in the appropriate places. Please check eligibility requirements to ensure that your invitee can be a member.

A young woman referring her friend to Bowater Credit Union.

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!

A group of people smiling after after joining Bowater Credit Union.

Why Choose Bowater Credit Union

When it comes to your financial well-being, the choice of where to entrust your money and future matters. Bowater Credit Union offers you the peace of mind, convenience, and community-driven commitment you deserve.

We pride ourselves on being more than just a financial institution; we’re your partner on the path to financial success. With a focus on personalized service, competitive rates, and a wide range of financial products, we are dedicated to helping you achieve your goals.

Experience the Bowater Credit Union difference today. Join us and discover the benefits of banking with people who care about your financial journey as much as you do.

★★★★★

“I never understood the difference in what a CU was when I was younger but finally I left banks and made the switch years ago. The difference has been night and day. I couldn’t imagine being anywhere else. They’ve been awesome every time I’ve needed help and they do nice members events from time to time. Absolutely check them out.”

– Andrew, Cleveland, TN

Need More Information Before You Join Bowater Credit Union?