News Archive All
All of our news. . .The Procrastinator’s Guide to Holiday Travel Savings
Holiday travel season is near, and peak prices already tell that story: nearly 75% of Hopper customers say that as they book travel this year, they plan to spend the same or more than what they shelled out last year. If this sounds uncomfortably familiar, don't panic!...
Bowater Credit Union Donates $1,000 to the Hiwassee Outreach Program
From left to right: Lisa Moates (Senior Loan Officer/Insurance Specialist), Nicole Andrino (Marketing Specialist), Kay Wood (Volunteer and Winner of Pay it Forward Prize), Mike Christian (VP of Human Resources), and Nikki Black (Mortgage Loan Manager)Bowater Credit...
Buy Now, Pay Later: The Cost of Convenience
“Buy Now, Pay Later" (BNPL) services have become increasingly popular, offering a tempting alternative to credit cards. A 2022 report from the Consumer Financial Protection Bureau found that from 2019 to 2021, the number of BNPL loans originated in the U.S. by the...
Member Appreciation Day 2024! 💙💚
The third Thursday of October is always Member Appreciation Day! A day to celebrate all of you – our member-owners! 💚 Stop by any branch on October 17th during regular business hours so we can say thank you. There will be smiling faces ready to hand out:• Donuts and...
Niagra Falls, Ontario 2025
June 9 -14, 2025 6 Days & 5 Nights *Includes a night in Toronto $1,187 per Person, Double Occupancy $1,593 per Person, Single Occupancy **Valid Passport required when traveling into Canada**Package includes: Overnight lodging to & from Niagara Falls 3 Nights...
Caden Heath Wins Bowater’s 2024 College Scholarship
Caden Heath from Englewood, Tennessee has been selected as this year’s recipient of Bowater Credit Union’s Annual $2,000 College Scholarship. To receive this scholarship, Caden competed against many other students who were evaluated based on grades, school activities,...
Bowater Credit Union Annual Fall Festival
We are having our second annual Fall Festival on Friday, October 25 at the Hiwassee Meadowland Park, Calhoun from 5 pm to 8 pm! 🎃 We will have carnival games, two bounce houses, a maze, face painting, snacks, and food! This year we will also have a costume contest! 👻...
Buy Now, Pay Later: The Cost of Convenience
As summer hits its stride, the idea of financially preparing for the holidays might feel like overkill. Consider this: money is the most cited source of stress during the holidays, with 58% of US adults worrying about overspending or not having enough money. July is...
Bowater Credit Union Donates $1,000 to Meigs County Historical Society
From left to right: Nikki Black (Mortgage Manager), Paulette Jones (President of the Historical Society), Henry Ricker (Board Member of the Historical Society), Jason Laymon (Volunteer and Winner of Pay it Forward Prize), Nicole Andrino (Marketing Specialist), and...
Athens Chamber of Commerce 17th Annual Benefit!
The Athens Chamber of Commerce is excited to announce that Hendon Hooker will be the speaker for the 17th Annual Benefit on June 22 at McMinn County High School. Tickets are available by calling the chamber at 423-745-0334 or visiting...
New Member Benefit! With CU Travel!
We are so excited to announce our newest member benefit! We have partnered with Credit Union Travel! With CU Travel, you can save on 1.2 million brand-name hotels worldwide, plus book flights and car rentals - all from one place with 24/7 booking support. This...
Bowater Wealth Management: Is Money Your Master?
Unfortunately, too many Americans have become enslaved to the all-might dollar. The truth is, however, that money was never meant to be your master. It was never meant to tell you what to do. Instead, you should be telling your money what to do! Davey Ramsey said...
Bowater Credit Union Donates $1,000 to Project Free to Fly
From left to right: Mckenzie Holmes (AmeriCorps VISTA), Hailey Johnston (Founder CEO), Nicole Andrino (Marketing Specialist), Mandy Adams (King St Branch Manager).Bowater Credit Union Member McKenzie Holmes has won a $1,000 Pay It Forward prize for her favorite...
Share the Credit Union Difference! Our Referral Program
If you’ve felt the difference of banking locally, seen the community support, benefitted from our lower rates and fees, or have genuinely enjoyed our services, then help us reach out to more members in our community! Refer a friend and both you and your friend can get...
Bowater Credit Union’s Annual $2,000 College Scholarship
Any graduating senior who is a member-owner before March 1st of the year they graduate is eligible to apply for our $2000 College Scholarship. Applicants must submit an application and all requirements before July 1st. Requirements:- Grade transcript from senior year...
2024 Annual Meeting: April 22
Get Ready! Our 2024 Annual Meeting will be held on Monday, April 22 at Hiwassee Meadowland Park! We will start serving food at 6:00 pm for a social hour. 2 Dudes BBQ food truck will be catering for us that evening. We will also hand out gifts as you take your seat for...
Update On Compromised Debit Cards
On January 28th, our fraud detection team identified a small set of members' debit cards that had been compromised. All members affected will be contacted and provided with information about next steps. No member will incur a loss due to this event. Be advised that...
Mackinac Island, Michigan 2024
September 22-28, 2024 7 Days & 6 Nights $1,638.00 per Person, Double Occupancy $2,297.00 per Person, Single OccupancyPackage includes: 6 nights lodging, including overnights & 3 nights at the Murray Hotel 6 Breakfasts 1 Lunch 4 Full course dinners, including...
Owning Your Finances and Paying Off Debt in 2024!
If one of your New Year’s resolutions is to have control of your finances and be debt-free in 2024, we can help! We want you to achieve financial success! We know what kind of burden debt causes, so want to help you feel confident enough to get yourself in a better...
Bowater Credit Union Donates $1,000 to McMinn County Sheriff Department’s “Shop with a Cop”
From left to right: Kelsey O'Daniel, Doug Bailey, Larae Graves, Joe Guy, Lisa Rhea, Nicole Andrino, Julie Simbeck, and Jordan HaugenBowater Credit Union Member Doug Bailey has won a $1,000 Pay It Forward prize for his favorite non-profit doing good in our area, McMinn...
Bowater Credit Union Donates $1,000 to Got Her Covered.
From left to right: Amy Blake, Nicole Andrino, Jenny Vassell, Mandy Adams, Linda Casper, and Judy GaultBowater Credit Union Member, Amy Blake, has won a $1,000 Pay It Forward prize for her favorite non-profit doing good in our area. She chose Got Her Covered located...
Bowater’s First-Ever Fall Festival! 🍂
This year we wanted to try something new! We will be having our first-ever Fall Festival at the Hiwassee Meadowland Park Calhoun, on October 13, 2023, from 5 pm to 8 pm. There will be carnival games, a bounce house, a slide, vendors, and snacks! Costumes are welcome!...
Member Appreciation Day 2023 ☕🍩🌭💰
The third Thursday of October is always Member Appreciation Day! A day to celebrate all of you - our member-owners! Stop by any branch on October 19th during regular business hours so we can say thank you. There will be smiling faces ready to hand out: Donuts and...
5 Mistakes You Should Avoid When Buying a New Car
Buying a car, whether it is new or used, is a significant decision. Cars require a long-term financial commitment, and it is important to avoid making mistakes that could have negative financial consequences. Here are five mistakes to avoid when purchasing a new car:...
Brody Lewis Wins Bowater CU’s Annual College Scholarship
Brody Lewis of Benton, Tennessee has been selected as this year’s recipient of Bowater Credit Union’s Annual $2,000 College Scholarship. In order to receive this scholarship, Brody competed against many other students who were evaluated based on grades, school...
Creating a Successful Budget
What is budgeting? It is a financial plan to divide out your income most effectively and efficiently for your needs and wants. Budgeting can help you manage and avoid debt, achieve short- and long-term goals, and prepare for the curve balls life throws at you....
Bowater Credit Union Donates $1,000 to City Fields
Bowater Credit Union Member Michell Goldston has won a $1,000 Pay It Forward prize for her favorite non-profit doing good in our area, City Fields located in Southeast Cleveland. Bowater Credit Union asks its members to nominate their favorite non-profit helping...
Glenna Pritchett Retires, LaKota Pierce Named CFO
Glenna Pritchett, Chief Financial Officer of Bowater Credit Union retired on May 1, 2023. “Glenna Pritchett has served as Bowater Credit Union's CFO for the last 43 years. She began with a ledger and a pencil but transitioned flawlessly to many complicated...
Make Your Home Your Dream Home
Whatever your home improvement needs are, we got you covered! We offer several financing tools to help you reach your goals. Whether it's remodeling inside, or outside, or buying new furniture, we have your back. Here are some of our fantastic options: Personal...
How to Make the Most Out of Your Tax Returns
Saving money throughout the year can be hard. It’s someone’s birthday, the kids wanted a new game, or you gave into a guilty pleasure. Either way, things happen, and saving money was the last thing on your mind. Now in tax season, you can use this money wisely and...
Start Owning Your Finances!
Do you want to start making your money work for you and prepare to start to Owning Your Financial Future? Bowater Credit Union just like other credit unions offers safe, convenient, and accessible ways to invest and is financially insured by the NCUA up to $250,000,...
Crush Your Debt & Own Your Financial Future
Debt can be a major stressor in life and at times it can feel like you will never be able to pay it all off. But we are here to tell you, YOU CAN DO IT! We can’t tell you it will be easy, but with some focus and determination, it is possible. Here are some helpful...
Bowater Credit Union College Scholarship
Any graduating senior who is a member-owner before March 1st of the year they graduate is eligible to apply for our $2000 College Scholarship. Applicants must submit application and all requirements before July 1st. Requirements:- Grade transcript from senior year of...
2023 Annual Meeting: March 27 at Calhoun Elementary
The 2023 Annual Meeting of Member-Owners will be held on Monday, March 27 at Calhoun Elementary School. We’ll enjoy a social hour with refreshments at 6pm, followed by the business meeting at 7pm. You will hear from our Volunteer Board of Directors about the year...
Does Applying for a Credit Card Hurt Your Credit?
You might have been warned about applying for too many credit cards at once, but does applying for a credit card hurt your credit? We take a closer look at how credit applications actually affect your credit score. Card Smarts: Credit Card Applications and Your Credit...
Tips to Save Money on Holiday Shopping
The holiday season can be a financially stressful time. Working a job, dealing with life, paying bills, and on top of that having to make time and a budget to go gift shopping. Fortunately, it doesn't have to be that way. You can still make this year memorable and not...
How Many Credit Cards Should You Have?
Credit cards are easy to apply for and convenient to use—so convenient that most people now carry three or more cards. But how many credit cards should you have? Let’s take a look at the financial implications of owning multiple cards and consider some tips for...
Paying Your Bowater Credit Union Loan Just Got Easier!
Don't let paying your Bowater Credit Union loan slow you down! As a valued Bowater Credit Union member, we want to give you the convenience, flexibility, and control to pay your loan anytime from anywhere. And now you can make payments, set up recurring payments,...
Bowater Wealth Management with Michael Lawson
Bowater Credit Union is excited to announce Bowater Wealth Management, a partnership with Investment Advisor Representative, Michael Lawson, at Alliance Wealth Management Partners, RIA. Bowater Wealth Management will give our members access to investment services such...
Guide to Credit Card APR [How it Works & More]
Credit card interest rates can be confusing. Determining the true cost of carrying a balance on your credit card depends on how often the interest is calculated—which may be daily. The following overview of credit card APR can be helpful in understanding how it works...
Holiday Loan Available Now Through December 31st
Together we can make this holiday season memorable with a Holiday Loan. With this limited-time loan you can borrow up to $2,000 with rates as low as 5.75% APR, which would be monthly payments of $171.89 for only one year! The Holiday Loan is offered every year from...
How To Do a Balance Transfer
If you’re wondering how to do a balance transfer, our quick guide offers tips so you get the most benefits out of this handy credit card tool. Click for more.
Tricks to Paying Off Credit Cards Faster
It can be easy to push aside credit card debt and pretend it doesn’t exist – but facing credit card debt head-on is the best way to truly tackle it. If you're wondering how to pay off credit card debt fast, our guide is here to give you eight simple tools to get your...
5 Different Credit Cards [& How to Choose]
Credit cards come in many different flavors with plenty of options to choose from. Let’s look at seven different types of credit cards and how each kind might fit your wallet. Smart Swiping: How 5 Credit Card Types Work For You Like ketchup, credit cards come...
KidZone Halloween Party 2022
Join us for our 🎃 SPOOKTACULAR 💀 KidZone Annual Halloween Party! Dying to have fun? Stop by our Calhoun Branch Friday October 28th between 8 am – 5:30 pm Come trick or treat yourselves to snacks and other ghostly festivities! 👻 It’s going to be a great time! I can...
Bowater Credit Union Donates $1,000 to Love Thy Neighbor Project
Pictured Left to right: Jordan Haugen, Bowater CU Athens Branch Manager; Blake McCaslin, TWU Vice President for Advancement; Tracey Hennessee, TWU Advancement Coordinator; Brittany Berry, Bowater CU Member and LTNP Community Relations and Fundraising Coordinator;...
Member Appreciation Day 2022 ☕🍩🌭💰
The third Thursday of October is always Member Appreciation Day! A day to celebrate all of you - our member-owners! Stop by any branch on October 20th during regular business hours so we can say thank you. There will be smiling faces ready to hand out: Donuts and...
Mobile App Upgrade Coming September 13th
Ready for an easier way to manage your cards? Our upgraded mobile app puts more control, convenience and safety in your hands. From instant card activations to clearer merchant transaction info to robust fraud protections, now you can do even more from one convenient place.
How to Maximize Credit Card Rewards
Your credit card is more than just a great way to manage spending. Choosing a rewards card will earn you points or cash back on everyday expenses. Here’s how to maximize credit card rewards to make every swipe count. Plastic Perks: Maximizing Credit Card Rewards Are...
Kendall Heath Wins Annual $2,000 College Scholarship
Kendall Heath of Englewood, Tennessee has been selected as this year’s recipient of Bowater Credit Union’s Annual $2,000 College Scholarship. In order to receive this scholarship, Kendall competed against many other students who were evaluated based on grades, school...
Larae Graves Hired As Vice President, Lending
Bowater Credit Union is pleased to announce the hiring of Larae Graves as Vice President of Lending. Graves began her career in financial services with Southeast Bank in Athens, Tennessee, serving in various capacities including Senior Mortgage Processor. She gained...
Benefits of Doing a Credit Card Balance Transfer
While you’ve probably heard about credit card balance transfers, you may be unsure how they work and the associated benefits. If you carry multiple loans or credit card balances, a balance transfer credit card may be a good option for consolidating debt and...
Anatomy of a Scam Email
How to Identify a Scam E-Mail Member Service Associate Lisa Burkhart is always on the lookout for ways to protect our members from fraud. She recently shared an example of a scam email that reached her inbox, and some pointers on how to spot that the email is fake:...
Celebrate Christmas in August: Bring New Toys to Any Branch
Bring small and medium new toys to any branch to help us celebrate Christmas in August with the Bowater Goodfellows! All toys will be gathered from the branches after August 31 and distributed by Bowater Goodfellows this Christmas to deserving children. The mission...
Best of the Best 2022: Cleveland and Athens
To our members, thank you for your dedication to YOUR Credit Union! You take pride in the Credit Union that YOU own, and for that, we are extremely grateful. Without you, we would never be able to achieve the awards that we do. To our staff, thank you for your...
myBRANCH Online and Mobile App Unavailable Sunday, July 10th 2am – 2pm
Our Core Service provider, Fiserv, will conduct an extended maintenance window Sunday, July 10 from 2am to 2pm EST. During that window, members will be unable to log in to myBRANCH online and the Mobile App. We are very sorry for the long duration of inaccessibility;...
Donate $2 for Your Chance to Win a 2 Night Luxury Stay at Hiwassee Acres
Bowater Credit Union is sponsoring the 2022 Duck Race for Charities! This year's race will take place on Saturday, July 23rd at 9am a the Hiwassee Blueway as part of the Calhoun Rivertown Festival. Donate $2 for a duck. If your duck crosses the finish line first,...
5 Reasons to Refinance Your Mortgage
[Besides a Lower Rate]
With home prices rising steadily, many homeowners are asking whether or not they should refinance their mortgage. Sure, it’s a great time to lock in a lower interest rate on your loan, but let’s have a look at some other reasons why refinancing your mortgage might be...
Credit Union vs. Bank Mortgage: Which is Better?
You found the perfect house, saved up your money and you’re ready to buy. Now, your next step is to get a mortgage. A commercial bank could be the obvious choice, but they aren’t the only option for your mortgage. Credit unions also originate mortgage loans and work...
Closed Monday June 20th: Juneteenth
Juneteenth National Independence Day is a federal holiday in the United States commemorating the emancipation of enslaved African-Americans. Originating in Galveston, Texas, it has been celebrated annually on June 19 in various parts of the United States since 1865....
Walmart Phishing Scam
Multiple local residents have reported receiving a text to "confirm a purchase from Walmart. It asks them to text back yes or no. One member texted back no and got an immediate phone call. The caller said "let me see if I can get rid of this charge for you" and that's...
Should You Get A Credit Card for Your High School Grad?
If your teen is graduating high school this spring, you probably have a lot on your mind. So here's one thing you might not have considered: Have you taught your grad to manage credit? Whether they are moving out, heading to college, or living at home, your teen is...
The Stages of Buying a House [Explained]
Buying a house is an exciting milestone in your life. And with it comes many questions about how to navigate the process and check all the boxes of getting from first inquiry to close. The stages of buying a house can be broken down into smaller steps where...
Gayle Taylor Retires After 36 Years; Reception May 20 1pm – 3pm
After 36 years of distinguished service to Bowater Credit Union, Mortgage Loan Manager Gayle Taylor has announced plans to retire – her last day at the credit union will be Friday, May 20th. A drop-in reception to celebrate Gayle will be held Friday, May 20th from 1pm...
The Myths and Mysteries of Buying Your First Home
Buying your first home is thrilling – but do you feel excited like it's your birthday or kind of spooked as if you're about to get on the ghost train at the amusement park? However you're feeling, we've got you covered with this fun list full of all the myths and...
Member Cheyenne Whitehurst Wins $1,000 Pay It Forward Donation for Athens-McMinn Family YMCA
CALHOUN - Bowater Credit Union Member Cheyenne Whitehurst has won a $1,000 Pay It Forward prize for one of her favorite non-profits doing good in our area, Athens-McMinn Family YMCA. Bowater Credit Union asks its members to nominate their favorite non-profit helping...
Declutter Your Banking Routine this Spring and You Could Win Big!
You could win one of 10 $1,000 prizes in our Spring Sweepstakes! Spring is the perfect time to clean up your finances and give them a fresh start. Did you know you can manage most banking tasks anywhere and anytime from your myBRANCH and or app? AND, as part of our...
How to Be a Competitive Home Buyer in the Cleveland/Athens Market
First-time homebuyers have their work cut out for them in the current real estate market. From metropolitan areas to smaller cities, prices are higher than ever. Despite this unprecedented appreciation, homes are still selling at record paces with many listings flying...
💰Enroll in eStatements by April 30th to be entered to WIN $100💰
All members enrolled in eStatements as of April 30, 2022 will be entered to win $100. How do I enroll in eStatements? Log in to myBRANCH (through your web browser, not the app) and click the "eStatements" link on the Account page. Besides a chance to win money, WHY...
2022 Annual Meeting: March 28 at Calhoun Elementary
The 2022 Annual Meeting of Member-Owners will be held on Monday, March 28 at Calhoun Elementary School. We'll enjoy a social hour with refreshments at 6pm, followed by the business meeting at 7pm. You will hear from our Volunteer Board of Directors about the year...
Reminder: Do Not Use Mobile Deposit for Tax Refund Checks
Please note that Tax Refund checks are government checks, and as such they come with very specific rules for depositing or cashing. For this reason, we will not accept government checks, including tax refund checks, by mobile deposit. For your tax refund check,...
Member Dave Whaley Wins $1,000 Donation to Santa’s Angel
Pictured left to right: Brad Alexander, Bowater Hardwick Farms Branch Manager; Rev. Dave Whaley, Bowater CU Member; Donna Calhoun, Santa’s Angel Youth Director; Kay Green, Benton United Methodist ChurchCALHOUN – Bowater Credit Union Member Dave Whaley has won a $1,000...
Fee Updates Effective March 1, 2022: Mailed Statement Fee for myBRANCH Users, Returned Mail Fee
Please note the addition of the following fees:Mailed Statement Fee: $2 per mailed statement if the member is enrolled in myBRANCH online banking. The purpose of this fee is to pass through the cost of mailing a statement when the member has free access to eStatements...
All locations open at 10am on Friday, January 7th
All branches will open at 10am on Friday, January 7th. Stay safe and warm in this winter weather!
Athens Branch Drive-Thru Closing at 5pm 1/6/2022 Due to Winter Weather
Due to winter weather, our Athens Branch Drive Thru will close at 5pm on Thursday, January 6, 2022. The lobby will also close at 5pm, as usual.
💰Enroll in eStatements by February 28th to be entered to WIN $100💰
All members enrolled in eStatements as of February 28, 2022 will be entered to win $100. How do I enroll in eStatements? Log in to myBRANCH (through your web browser, not the app) and click the "eStatements" link on the Account page. Besides a chance to win money,...
Debit vs. Credit Cards: What’s the Difference?
Both debit and credit cards play a vital role in today's financial landscape. Your best bet is to have one of each but it can be confusing trying to figure out when to use which card. Luckily, once you've learned the difference between a debit and credit card, you'll...
Credit Union Here For Members Through Indefinite Idling At Resolute
In response to the recent announcement of indefinite idling of pulp and paper operations at Resolute Calhoun, we would like to make sure our members know that Bowater Credit Union is here to be a partner through this difficult time. The credit union has established...
A Smart Guide to Credit Cards
Financial literacy is important to making smart financial decisions. But if you’ve never had a credit card before, you may not know the best ways to use them. We are here to help with this quick guide to credit cards and smart credit card usage. Keep reading to learn...
Member Cheyenne Whitehurst Wins $1,000 Donation to Grace and Mercy Ministries
Pictured Left to Right: Ministry Director Tanya Murphy, Bowater CU Member Cheyenne Whitehurst, and Bowater CU Athens Branch Manager Tiffany Wilson stand in front of the van the ministry uses to provide transportation to their ministry meals.CALHOUN – Bowater Credit...
Holiday Loan Available through December 31st 🎄🎅🎁
One of the benefits of banking with a credit union is knowing that we exist to serve the membership. It is with that spirit that we offer the Holiday Loan each year, from October 15 through December 31. With this limited-time loan, you can borrow up to $2,000 at a...
What Is a Personal Loan?
A personal loan can provide the flexibility you need to cover planned and unplanned expenses without breaking your budget. But, what is a personal loan? If you’re not familiar with personal loans, how they work, or why you might get one, Bowater Credit Union is here...
2021 Member Appreciation Day 👕🌭🍩🤑
Thank you so much for being a member-owner!! We're excited to celebrate outside in front of all our branches this year! Stop by any branch on October 21st during regular business hours and let us thank you for being a member-owner. There will be a tent out front full...
2021 KidZone Halloween Party👻
Join us for our 🧛♂️ SPOOKTACULAR 🧟♂️ KidZone Annual Halloween Party! Things are a little different this year but we know we can still have so much fun with all you boys and ghouls this year at our Annual Halloween Party Stop by our Calhoun Branch Friday October 29th...
How to Use a Credit Card to Build Credit
Do you know how to use a credit card to build credit? It’s one of the oldest tricks in the book! Getting a credit card and using it regularly and responsibly is one of the quickest and most effective ways to build or rebuild your credit. Read below for some good...
Stephanie McGreevy Wins $1000 Pay It Forward Donation to Women At The Well
Pictured Left to Right: Tiffany Wilson, Bowater Credit Union Athens Branch Manager; Stephanie McGreevy, WATW Program Director; Robin Nation, WATW Executive DirectorCALHOUN – Bowater Credit Union Member Stephanie McGreevy has won a $1,000 Pay It Forward prize for her...
You can transfer from another bank to your CU!
It's easy to set up automatic payments for your loan, even if you want to make payments from an account at another financial institution. The payments are made by ACH transfer, which means you'll need to have the account number of the account you want to make the...
Anniston Mullinax Wins Annual $2,000 College Scholarship
Anniston Mullinax of Rossville, Georgia has been selected as this year’s recipient of Bowater Credit Union’s Annual $2,000 College Scholarship. In order to receive this scholarship, Anniston competed against many other students who were evaluated based on grades,...
Retired Bowater CU CEO Denley Hines Inducted into Tennessee Credit Union Hall of Fame
Retired Bowater Credit Union CEO Denley Hines was celebrated at the 2021 Annual Convention with induction into the Tennessee Credit Union Hall of Fame. The Hall of Fame was created by the Tennessee Credit Union League to honor those in the credit union movement who...
How to Get and Use a Personal Loan [Guide]
Whether you need funds for an unexpected medical bill, a broken-down vehicle, or that dream vacation – a personal loan is a great way to get cash quickly. If you’ve ever wondered how to get a personal loan, the good news is that the process is easier than you might...
How Does Credit Card Interest Work?
If you've found yourself deep in the fine print of a credit card agreement wondering what exactly it all means, you're not alone. Credit card interest can be incredibly confusing, and even a single card may have multiple interest rates. How does credit card interest...
The Pros and Cons of Personal Loans
Whether you're thinking of consolidating high-interest credit card debt or looking for some extra cash to provide you with more budget flexibility, you may be investigating your various loan options. For many, a personal loan can provide this flexibility while giving...
Is Credit Or Debit Safer For Online Shopping?
Are credit cards or debit cards safer online? Whether using a debit card or credit card there are two laws in place to protect you. Debit card transactions are protected by the Electronic Funds Transfer Act (EFTA) and credit cards are protected by the Fair Credit...
Thank you for voting us BEST OF THE BEST!
Thank you for voting your credit union as the BEST OF THE BEST in both the Daily Post Athenian and the Cleveland Daily Banner, and for nominating us for the News 12 Now Viewer's Choice Awards. Thanks to your voting, our team was recognized with the following readers...
It’s time to vote for your favorite T-Shirt!
July is here, and although we love the fireworks and cookouts, Bowater Credit Union is already waiting in anticipation for this fall’s Member Appreciation Day! We have received tons of t-shirt designs this year that have exceeded expectations and we are excited about...
Gold Travel Club Trip to Patti’s 1880’s Settlement
$178 per person, double occupancy. Tuesday October 12 - Wednesday October 13 (SOLD OUT!) Tuesday October 19 - Wednesday October 20 DEPART CLEVELAND, TN 8AM Day 1: Board your spacious video and restroom equipped Motorcoach and set off for Grand Rivers, Kentucky - home...
Get An Auto Loan and Enjoy No Payment for 90 Days
Rates as low as 1.99% APR up to 72 months Get an auto loan with Bowater Credit Union and you can enjoy rates as low as 1.99% APR and no payment for 90 days. You have to have reliable transportation, and that means you have to have an auto loan. But with a loan from...
Bowater Credit Union Member Survey Shows High Satisfaction, Loyalty
Bowater Credit Union Member Survey results show that members have maintained high levels of satisfaction and loyalty, and an increasinly choose Bowater Credit Union as their Primary Financial Institution. Every four years Bowater Credit Union hires an independent firm...
👕TShirt Design Contest: Winning Member Gets $100!
Combine your design skills with your love of Bowater Credit Union to create the perfect Member Appreciation Day T-shirt! This Member Appreciation Day we’ll be giving away hundreds of T-shirts as a “thank you” gift for our members. We want help designing a shirt that...
Understanding Personal Loan Terms and Conditions
If you take out a personal loan, your lender will give you a document listing its terms and conditions. You will want to keep this document for future reference because it contains important information on the details of the loan. If you have a question, there’s a...
Penalty Free Early CD Withdrawals Till May 31st!
Needing access to some of that money you set to the side? Until the end of May you can enjoy Penalty Free Early CD Withdrawals. Withdraw any CD penalty-free, even if the term isn’t complete. We hope the opportunity to access your money without concern for penalties...
Declutter Your Banking Routine this Spring and You Could Win Big
Be entered to win one of 10 $1,000 prizes! Spring has sprung! And what better time to tidy up and organize your banking routine, improve financial health and potentially get rewarded for it! For every new qualifying transaction made during our Spring Sweepstakes,...
Patti Brand Wins $500 Pot O’ Gold Drawing
Pictured left to right: Meggan Casey, Member Service; Patti Brand, Member; Brad Alexander, Branch Manager; Andria Eldredge, Member Service.Congratulations to this year's $500 Pot O' Gold winner, Patti Brand! Patti has been a member-owner of Bowater Credit Union for...
HELOC for Home Improvements
What is a HELOC? A HELOC - pronounced "Hee-Lock" - is a Home Equity Line of Credit. You are borrowing against the value if your house (like a mortgage), but can access as much or as little of the amount you are approved for as need (like a credit card). Want to learn...
Member Amanda Rogers wins $1000 Donation for Wild River Retreat!
Bowater Credit Union Member Amanda Rogers has won a $1,000 Pay It Forward prize for her favorite non-profit doing good in our area, Wild River Retreat. Bowater Credit Union has asked its members to nominate their favorite non-profit helping people in the counties...
Questions About Your 2021 Stimulus Payment?
Millions of Americans will be receiving another stimulus check from the federal government as part of the 2021 American Rescue Plan to help with economic difficulties caused by the pandemic. We know there will be questions. How much will you get? When will the payment...
What happens if someone applies for unemployment with my name?
Digital fraud is common and constantly evolving. In fact the increased hardship many are experiencing from the Covid-19 pandemic has lead to a now popular scheme "Unemployment Insurance Fraud". Unemployment Insurance Fraud is when someone uses your personal...
Annual Meeting Date Change to Monday May 24, 6pm
In order to provide a safe and comfortable outdoor event, the 2021 Annual Meeting of Member-Owners will be on Monday, May 24th at the Hiwassee Meadowlands Park in Calhoun, Tennessee. Join us 6pm under the Pavilion that offers shade for up to 250 people. We look...
Clearing Your “Data Cache”
Web browsers have something called a "data cache" that stores quick information about websites to give you a faster browsing experience. Unfortunately due to the three-day outage of myBRANCH, many members browsers stored "bad information" in their data cache which has...
New Check Vendor: New Styles, Lower Cost!
Bowater Credit Union has partnered with Main Street Member Services to offer our members a new variety of check options, and at a lower cost! There are over 60 styles to choose from at a much lower cost, higher quantity, and with faster shipping too. Check reorders...
Scam Alert: “Auto Wrap Campaign”
Update 2/8/2021: More members have been receiving letters and "checks". This scam is ongoing; read below to ensure you don't fall victim! Multiple members have brought in checks they received in the mail claiming to be payment for an "Auto Wrap Campaign". The members...
ScoreCard Rewards VISA: No Balance Transfer Fee
If you're carrying a balance on a high rate credit card, the new year is a great time to make the switch to the ScoreCard Rewards VISA. We offer no balance transfer fee, which means there's no cost for you to switch to a card available right here through your credit...
Special Offer: No Penalty for Early CD Withdrawals
2020 is behind us and there’s hope for better times ahead. Throughout the pandemic and the various changes it brought, Bowater Credit Union offered a variety of flexible options to make things easier, including special loan offers, waiving fees, and more. We’re happy...
Amanda Pettit Achieves Certified Credit Union Financial Counselor Designation
Bowater Credit Union Collections Specialist Amanda Pettit has passed her final exams to achieve Certified Credit Union Financial Counselor (CCUFC) designation. Certification is an accomplishment she achieved through the CUNA Financial Counseling Certification Program...
Gayle Davis Retires January 4, 2021
After nearly eighteen years of service to members and coworkers, Gayle Davis is retiring from Bowater Credit Union on January 4, 2021. Gayle has benefited the credit union in multiple roles during her time at the credit union. Many members will know her from her days...
Consolidate Your Debt & Own Your Financial Future
Life gets busy, and having too many loan payments to keep up with is a problem you can fix with loan consolidation. Consider these options: ScoreCard Rewards VISA Credit Card: If you have multiple credit card bills, consolidate them onto one card. Unlike other cards...
Neighbors Helping Neighbors: Show your support for Meigs Thursday November 12
Bradley County Schools will host a donation event to help the Meigs County Schools families affected by the fatal bus accident that took place on Oct. 27. A head-on collision involving a Meigs County Schools bus and a utility vehicle on the 7700 block of Highway 58...
Wouldn’t it be NICE to have no car payment? Move your loan to Bowater, enjoy no payment for 90 days
Do you have a car loan somewhere besides Bowater Credit Union? Refinance your auto loan to us and you'll enjoy no payment for 90 days. That means three months without a car payment - and wouldn't that be nice during the busy holiday season! There’s no application...
Get the Shirt & Support Financial Literacy
Can you tell when it's not Mayfield Milk? We thought so. Do you call the Walmart that's been there more than ten years "the new Walmart"? Us too. Do you need to make sure people know whether you're a Cherokee or a Charger? Of course, it's important information...
Reward Yourself With Holiday Shopping 🎅💰✈
Apply Now to Earn Rewards with your Holiday Shopping! Apply now for a ScoreCard Rewards VISA Credit Card and you'll have your card and number ready to go when it's time to shop for the holidays. You can find an application in branch, or apply online...
Member John Corum wins $1,000 Donation to Family Resource Agency
Bowater Credit Union Member John Corum has won a $1,000 Pay It Forward prize for this favorite non-profit doing good in the five counties eligible for credit union membership, Family Resource Agency. Bowater Credit Union has asked its members to nominate their...
Nikki Black Joins the HomeLoan Team
"[A mortgage] is a big financial decision and I love being a helpful part of it." Loan Officer Nikki Black has been a familiar and welcoming face at our King Street Branch in Cleveland. As of this fall, she is now expanding her talents and serving members out of our...
Customize your myBRANCH
myBRANCH was updated on August 27 - it has a new, modern, easier-to-use interface and has up-to-date security to back it up! Our favorite review described the new layout by saying "it's like putting on glasses"! Another exciting feature of myBRANCH is your ability to...
2020 Annual Meeting: Monday September 28
The 2020 Annual Meeting of Member-Owners will be held on Monday, September 28 at 6pm at the City Park in Charleston, Tennessee. (Right across Worth Street from Charleston City Hall, 126 Worth St NE, Charleston TN 37310.) In most years the Annual Meeting includes food...
No Payment for 90 Days, Rates As Low As 1.99% APR
You can borrow for your car or truck at Bowater Credit Union and as of September 14, 2020, enjoy rates as low as 1.99% APR for up to 72 months! That means payments as low as $14.75 per $1,000 borrowed. And right now you can also enjoy no payment for 90 days. That...
A New Look for Full Site myBRANCH Coming Aug 27
If you use myBRANCH on your desktop, laptop, or through your mobile browser, get ready for a new look inside myBRANCH! You'll find all the same features, but notice a simpler, updated design. Changes and updates are necessary to stay current with technology and...
Denley Hines to Retire, Matt Holden Named CEO
Denley Hines, President/CEO of Bowater Credit Union, headquartered in Calhoun, Tennessee announced his retirement effective September 1, 2020. Denley has been serving the credit union movement for 44 years, the last 20 as President/CEO of Bowater Credit Union. During...
Mollie Farris Wins Annual College Scholarship
Mollie Farris of Cleveland, Tennessee, has been selected as this year’s recipient of Bowater Credit Union’s Annual $2,000 College Scholarship. In order to receive this scholarship, Mollie competed against many other students who were evaluated based on grades, school...
👕T-shirt Contest👕 | TIME TO VOTE🗳✔👍
July is here, and although we love the fireworks and cookouts, Bowater Credit Union is already waiting in anticipation for this fall’s Member Appreciation Day! We have received many t-shirt designs this year that have exceeded expectations and we are excited about our...
New App Now Available!
The new mobile app is now available in the App Store and Google Play - just search for "Bowater Credit Union". You'll find a simplified, modern and user-friendly look and feel, and a more reliable interaction with all devices. Logging in with Face ID or your...
Should I Refinance My Auto Loan?
Refinancing is simply paying off your current loan with a new loan. This does not change the amount you owe but it can bring you some nice benefits like lowering your interest rate, lowering your monthly payment, OR often times both. With interest rates falling this...
Auto Loan Rates As Low As 1.99% & No Payment for 90 Days!
Now is a great time to lower your car payments: buy new, used, or refinance your auto loan to Bowater Credit Union and you could get a rate as low as 1.99% APR. That's payments of just $28.64 per thousand borrowed for 36 months. For a lower monthly payment, we offer...
T-Shirt Design Contest: Winning Member Gets $100 🤑
Combine your design skills with your love for Bowater Credit Union to create the perfect Member Appreciation Day T-shirt! This Member Appreciation Day we'll be giving away hundreds of t-shirts as a "thank you" gift for our members. We want your help designing a shirt...
Mobile Wallet Offers Touch-Free Payments
What is Mobile Wallet? It's a virtual wallet - an App on your phone that stores your Debit Card and Credit Card information right on your phone. When you pay at the register, instead of getting your debit card out of your wallet, inserting or swimping, and touching...
Resources for Members During Coronavirus Pandemic
Updated 3/31/2021. Part of our Credit Union Mission includes educating members to make better financial decisions. We are here for you and here to serve you always, including during the Coronavirus Pandemic. Please follow the links below for useful resources for...
Milton Palmer wins 2020 $500 Pot O’ Gold
Congratulations to this year's $500 Pot O' Gold winner, Milton Palmer! Milton and his wife, Mary Lou, have been loyal members for many years. When told about their prize they exclaimed that they've won smaller prizes at our Annual Meeting over the years, but never a...
CFPB Resources for Members During COVID-19 Pandemic
The Consumer Financial Protection Bureau (Bureau) has recently released several resources to help consumers take steps to protect their finances during the COVID-19 pandemic, including how to avoid financial scams and submit complaints to the Bureau. “During this...
March 23 Annual Meeting Cancelled
Bowater Credit Union’s Annual Meeting, which was scheduled for March 23, has been cancelled. With the continued reduction in the Center for Disease Control and Prevention recommendation on the size of public gatherings, the Board has determined the cancellation to be...
COVID-19 Response & Managing your accounts while practicing social distancing
Bowater Credit Union's Coronavirus Disease (COVID-19) ResponseUpdated 2/1/2021 As the coronavirus threat continues to evolve, we are taking proactive precautions to maintain service while keeping employees and members safe. Our Operations Bowater Credit Union's top...
Pay your loan online & other new services in myBRANCH
Whether you are on your phone, tablet, laptop, or desktop computer, you'll enjoy these convenient options found inside the Self-Service Tab, under Member Requests in myBRANCH: Make a Loan Payment from any account anywhere. ...
Could you manage your money if you can’t leave the house? Or can’t get to a branch?
Sudden snow can make traveling to a branch unsafe. So how do you make a deposit or get cash? Current concerns over the Coronavirus remind us to stay home when we're sick. How can you pay your bills or make a deposit? Severe weather can damage your home, which means...
Member Received Call That Appeared to be from the Credit Union, But It Was Not
We have had multiple members report receiving a phone call that appeared on the caller ID to be from 423-336-7268, which is the credit union's main number. The caller claimed to be from the credit union and claimed to be issuing the member a new debit card due to...
Isaiah 117 House and McMinn Co Amateur Radio Club each win $1,000
CALHOUN – Bowater Credit Union Members Joyce Johnson and Bill Luecken have each won a $1,000 Pay It Forward prize for their favorite non-profits doing good in the five counties eligible for credit union membership, Isaiah 117 House and McMinn Co. Amateur Radio Club...
Tonsie Maxwell Retiring After 30 Years
Congratulations are in order! Long-time employee Tonsie Maxwell is retiring from Bowater Credit Union. All members are encouraged to drop in to the Calhoun Branch on her last day, Wednesday, January 15, to offer their congratulations and swap stories. Tonsie began her...
FBI Warns: Your Account Could Be Fueling Crime
Like many Americans, Aaron Cole and his wife had been able to save up a nest egg through the rising value of their home. But after six years there and the births of their two children, the Oregon couple decided to sell and use the equity they had built up to purchase...
Black Friday Shopping Tips🤑
Black Friday is just around the corner and we all know how hectic and overwhelming it can be, so we hope this short list of tips can help at least a little! Make your wish list. Your goal should be to buy just the items on your list at the lowest possible price....
Members John and Jill Griffey win $1000 for North Lee PTO
Bowater Credit Union Members John and Jill Griffey have won a $1,000 Pay It Forward prize for North Lee Elementary PTO. “All seven of our children attended North Lee Elementary . . . We know first hand how diligently and successfully their PTO has supported North Lee...
KidZone Annual Halloween Party👻
Join us for our🧟♂️SPOOKTACULAR🧟♀️ KidZone Annual Halloween Party! Stop by our Calhoun Branch October 25th between 7:30 am - 5:30 pm to enjoy popcorn🍿, cotton candy, and ghostly👻 festivities. It's going to be a 😱FRIGHTFULLY😱 good...
Going Casual for Kids
People Helping People Credit Unions are all about "people helping people," and Bowater Credit Union has joined Credit Unions for Kids to work with other Credit Unions across the nation to support local children's hospitals through Children's Miracle Network Hospitals,...
Reasons to refinance your home
Not looking to move, but interested in low mortgage rates? Reasons to refinance: Switch from an adjustable rate to a fixed rate, Change from one adjustable rate to another to lower your monthly payment. Reduce you interest rate and your monthly payment. Build equity...
5 House Hunting Tips
Know what you can afford. Consider both your income and debt and see what amount you would feel comfortable with. Use mortgage calculators where you can put in your income and see suggestions for home amount and expected monthly payments. Compare down payment options....
Affected by the Equifax Breach? File a Claim for $125 or Free Credit Monitoring Now
If you were affected by the equifax breach in 2017 that included and estimated 147 million Americans, you can now file a claim for compensation. You will receive free credit monitoring OR $125 if you already have credit monitoring in place. Additional damages can be...
Scam Alert: Member Receives Phone Call that Threatens Jail, Says Car In Her Name Found in Texas With Blood
A Cleveland, Tennessee resident was recently the target of a scam based on fear: She had a message on her voicemail that mentioned Social Security, and told her if she didn't call them back in a timely manner she would be arrested. Upon calling them back, she spoke...
Mikayla Beasley Wins Annual $2000 College Scholarship
Mikayla Beasley of Cleveland, TN, has been selected as this year's recipient of Bowater Credit Union's Annual $2000 College Scholarship. In order to receive this scholarship, Mikayla competed against many other students who were evaluated based on grades, school...
5 Ways To Reduce Debt
June 2019 marked 85 years of the Federal Credit Union Act, which was signed by President Roosevelt in 1934. The act empowered all 50 states to authorize federally chartered credit unions. In honor of the anniversary, www.mycreditunion.gov honored the financial...
Congrats to Zeke Snyder and the Calhoun Food Pantry!
This years Calhoun River Town Festival's Duck Race for Charities event was nothing short of quacktastic and that is thanks to the all the wonderful people who donate both their time and money. Thanks to all the generous donations we were able to raise $1,737! The...
Auto Rates To Get Excited About!
When you are looking for a new ride a low interest rate is definitely something worth getting excited about! AND your interest rate can vary greatly depending on the institution you borrow from, your credit score, your term length, and more. Term Length ...
Bowater Credit Union donates $1,000 to Boys & Girls Club, Meigs Unit
“Unless someone like you cares a whole awful lot, nothing is going to get better. It’s not.” These famous words from Dr. Seuss’s Lorax hold a special place at the new Boys & Girls Club in Meigs County, they are printed right on the wall. And two people who care...
HELOC by the Numbers
What is a HELOC? A HELOC - pronounced "Hee-Lock" - is a Home Equity Line of Credit. You are borrowing against the value if your house (like a mortgage), but can access as much or as little of the amount you are approved for as need (like a credit card). 70% for Home...
2019 Pot O’ Gold Winner!
Congratulations to this years Pot O' Gold winner, Robert Bressler! After hearing good things about Bowater Credit Union for years, Mr. Bressler decided to give us a shot and has now been with us for several years. When asked what he would do with the money he quickly...
Ditch the float & get a BOAT!
This is the year to ditch the floats and get the boat you have always wanted! New Boat You can choose fixed-rate financing for 36 or 60 months and pay no money down on a new boat. Or, you may elect to take avantage of our 72-month variable-rate loan if your boat is...
Bowater Credit Union Donates $1000 to Habitat for Humanity of Cleveland
Bowater Employees Credit Union member Tammy Johnson has won $1,000 from Bowater Credit Union to her favorite non-profit, Habitat for Humanity of Cleveland, TN. Bowater Credit Union has asked its members to nominate their favorite non-profit helping people in...
Buying a Car
Know what you can (and should) afford Ideally, your car payment will be less than 10% of your take-home pay. Talk to a loan officer at the credit union before you shop to find out what amount you are pre-approved for. Shop and test-drive Once you know how much you...
Help us update your info!
Your credit union is making a conscious effort over the next few months to verify your address, phone numbers, and get updated photo identification scanned into our system. We apologize for the inconvenience, but we're excited to be maintaining high levels of...
Refer A Friend in February, You Both Get $50
If you love Bowater Credit Union, it's time to tell your friends and neighbors they can join and you'll both get rewarded! Refer someone to Bowater Credit Union in February, and as long as they join and open at least two qualifying accounts, and keep them open for 90...
Bowater Credit Union donates Vehicles to McMinn County CTE
When Collections Specialist Amanda Pettit considers options for a repossessed vehicle, she always works to reduce expense to the membership and the hardship on the member who purchased the vehicle. Recently, Amanda was faced with two vehicles that needed a large...
Scam warning: Phone call claiming to be from Microsoft
Several members have reported receiving calls to their cell phone from someone who claims to be with Microsoft. The scammers are asking the victims to agree to charges. These calls are not from Microsoft; they are scammers attempting to gain personal information...
Cleveland Utilities Kiosk at Hardwick Farms Branch
Your credit union has partnered with Cleveland Utilities to install a 24-hour access Payment Kiosk at our Hardwick Farms Branch. If you are a Cleveland Utilities customer, you can use cash or card to pay your bill, anytime day or night right at our Hardwick Farms...
Simplify Debt & Simplify Life
If you find yourself with far too many loan payments to keep up with you may want to look into consolidating that debt. Debt consolidation is just simply combining multiple balances into one loan so you just have one payment! Credit Cards are a great example: If you...
Use Those Gift Cards!
More than 60% of people surveyed by the National Retail Federation requested a gift for the 2016 holiday season, equaling an estimated $24.78 billion. An estimated $45.7 billion is estimated to be floating around on unused gift cards since 2005. If you are a gift card...
6th Annual Relay for Life Monster Run 5k Results
The 6th Annual Relay for Life Monster Run 5k was held on Saturday, October 27th. Thank you to all our runners and volunteers who came out for this fun fundraising event!
Holiday Loan Available October 15 – December 31
One of the benefits of banking with a credit union is knowing that we exist to serve the membership. It is with that spirit that we offer the Holiday Loan each year from October 15 through December 31. With this limited-time loan you can borrow up to $2,000 at a...
Mortgages that save you money, and stay in your Hometown!
Local service, local decisions. When you get a 7/1 Fixed to Adjustable Mortgage at Bowater Credit Union, you get a loan that is evaluated locally, and kept locally for the life of the loan. That means you can really talk to your mortgage loan officer about...
Find out if you can save on car insurance AND be entered to win a $100 Bald Headed Bistro gift card
You trust your credit to make products and services available to help you do more with what you have. That’s why we’ve joined with the TruStage Auto & Home Insurance Program through Liberty Mutual Insurance. This program can provide discounted rates...
Calhoun Branch Manager Erin Blankenship Named One of DPA’s Top 20 Under 40
Each year The Daily Post Athenian presents a salute to young adults striving to make a difference in their careers and communities. This year, Erin Blankenship, Calhoun Branch Manager, was selected as an honoree. The honored individuals "have chosen to...
Jasmine Ngo Wins Bowater CU’S Annual $2000 College Scholarship
Jasmine Ngo of Cleveland, Tennessee, has been selected as this year’s recipient of Bowater Credit Union’s Annual $2,000 College Scholarship. In order to receive this scholarship, Jasmine competed against many other students who were evaluated based on grades, school...
We Have A Winner – Duck Race for Charities
On July 14th, 2018, the River Town Festival in Calhoun, TN hosted Bowater Credit Union as we held the first Duck Race for Charities event, which went incredibly well thanks to the people who donated their time and money to make such a memorable...
Fraudulent Cashier’s Check Scam
It's no surprise that scams exist and are a part of the world that we live in. Did you know that scams, which are "a dishonest scheme" to take your money without you knowing it, affect millions of people each year? We make it our mission to educate people...
Bowater Credit Union donates $1000 to Junior Achievement of the Ocoee Region
CALHOUN – Bowater Credit Union member Deanna Hitch has won $1,000 from Bowater Credit Union to her favorite non-profit: Junior Achievement of the Ocoee Region. Bowater CU has asked its members to nominate their favorite non-profit helping people in the counties...
Best of the Best – Bradley & McMinn
To our members, thank you for your dedication to YOUR Credit Union! You take pride in the Credit Union that YOU own, and for that, we are extremely grateful. Without you, we would never be able to achieve the awards that we do. To our staff, thank you for your...
Ginger Carter Graduates from CUNA Management School
Ginger Carter, Chief Operations Officer and Vice President of Branch Operations at Bowater Credit Union, recently attained the honor of graduating from Southeast CUNA Management School. Since the school’s opening class in 1970, the school has graduated...
Lower Payments to Fuel Your Trip!
Going on a road trip is a great way to see new things at your own pace and create your own kind of journey. While a road trip may sound inexpensive like all vacations if don't plan right it can become pretty pricey. One great way you could have extra for your road...
You Should Know: Wire Scam
Sadly there are a lot scams going around these days. We want to make sure you are prepared in case someone tries one on you. A popular tactic for fraudsters is to send out bad checks to people and then ask them to wire part of it back and to keep the rest....
How Much Will Your Teen Driver Cost?
Many people buy cars in the spring, using their tax refund as a down payment. Your low-rate loan from Bowater Credit Union will help keep your teen's car payment low, but don't forget to calculate the cost of vehicle insurance. Some factors that affect...
HELOC & Drop It
With every payment you make towards your mortgage, you build equity in you home. AND you can use that equity to help finance some of your dreams! A Home Equity Line of Credit, or a H.E.L.O.C. (pronounced /hee-lock/), is a loan in which the lender agrees to...
Bowater Credit Union Donates $1,000 to the Charleston/Calhoun Hiwassee Historical Society
Bowater Credit Union member John Duggan has won $1,000 from Bowater Credit Union to his favorite non-profit: Charleston/Calhoun Hiwassee Historical Society. "The CCHHS is located in the Bradley and McMinn county area, but it is for all citizens young and...
Tax Tips for First-Time Filers in College
Unless you’re an accounting major, filing taxes may not be your idea of a good time. But if you don’t file, you may end up leaving a lot of money on the table. If you’re going to file taxes for the first time this year, here are a few tips to make this...
What To Do With A Little Extra Cash?
Sometimes it feels like you need thousands of dollars to move the needle on your finances even a little bit. So if you find yourself with a few hundred dollars-- say from a tax refund or anything unexpected-- the temptation to spend it can be great! Often we have the...
How to Build Credit with a Pledge Loan
If you are expecting a tax refund this year, and you are looking to build or repair your credit score this is the article for you! As we all know buying any big ticket item is hard without a good credit score. We also know it takes more work to raise our...
What is a Shimmer?
With the shift to EMV chip cards there has also been a shift to what is called a shimmer. A "Shimmer" is just an evolved version of ATM skimming. It is a slim card-shaped device that is wedged or shimmed into the card reader between the chip on a card and...
How To Save By Switching Auto Insurance
Are you paying too much on your auto insurance? Switching to a different provider may save you lots of money! Many of us stay with the same provider for years because we do not want to deal with the hassle of switching. This is understandable because life...
Get Linked Up With Turbo Tax
Bowater Credit Union has partnered with Turbo Tax to help our members when filing their 2018 tax returns. Turbo Tax is a fast and easy way to prepare and file tax returns. It has all the tax knowledge for you and will walk you step-by-step through your return. If you...
Too Many Payments To Keep Up With?
If you find yourself with far too many loan payments to keep up with you may want to look into consolidating that debt. Debt consolidation is just simply combining multiple balances into one loan so you just have one payment! Credit Cards are a great example: If you...
Bowater Credit Union Donates $1000 Each to American Legion Auxiliary Unit 81, Kairos Prison Ministry
Bowater Credit Union member Melba Baumuller, and Bowater CU account owner Cheryl Bressler have each won $1000 from Bowater Credit Union to their favorite non-profit: American Auxiliary Unit 81 and Kairos Prison Ministry, respectively. Bowater CU has asked...
8 Tips To Prevent Holiday Scammers
Credit Union Members – It’s the holiday season! All things may be merry and bright, but online and in-person scams are not. We want to equip you so that scammers don’t take away your Christmas spirit! CUNA Mutual Group is here to help prepare for the holiday scams.
Bowater Credit Union Donates $1,000 to Manna Kitchen
Bowater Credit Union member Lori Freeman has won $1,000 from Bowater Credit Union for her favorite non-profit, The Manna Kitchen. This prize was awarded through the Pay It Forward program. Each year, Bowater Credit Union asks its members to nominate their...
Tennessee Credit Unions Surprise Shoppers with Grocery Buy
The Tennessee Credit Union League (TCUL) has embraced the holiday season. On Friday, November 17, credit unions across Tennessee teamed up to gift shoppers with free groceries in preparation for Thanksgiving. Locally, this act of kindness was expressed at...
Skimmers found on pump at Ocoee Circle K from 10/9 to 10/23
Did you pay at the pump at the Circle K in Ocoee any time from October 9th to October 23rd? If so, you'll want to watch your account carefully for fraud. The Polk County Sheriff's Department has found skimmers on the pumps at the Circle K located...
Charles Lachlan Baker Wins Bowater CU’s Annual $2,000 College Scholarship
Charles Lachlan Baker of Riceville, Tennessee, has been selected as this year’s recipient of Bowater Credit Union’s Annual $2,000 College Scholarship. In order to receive this scholarship, Charles competed against many other students who were evaluated...
Equifax Data Breach 2017 Information
What happened? Equifax, one of the three major credit bureaus, has acknowledged a breach of their data. As a credit bureau they stored information that, in the wrong hands, can be used for identity theft: Names, addresses, social security numbers, account...
Payments Coming Out of Accounts Faster
Payments will come out faster Soon, there will be a change to the way electronic payments, also known as ACH debits, are processed by the Federal Reserve. Starting September 15, 2017, the Federal Reserve will begin processing most ACH debits the same day...
Winona K. Pless Winner of Pay it Forward Program
CALHOUN – Bowater Employees Credit Union member Winona K. Pless, has won $1,000 from Bowater Credit Union to her favorite non-profit, McMinn County Education and Community Foundation (MCEF), where she also serves on the Board of Directors....
Mobile Deposit Now Available!
Thanks to the hard work of our employees, Bowater Credit Union is now happy to offer you Mobile Deposit! Mobile Deposit is a quick and easy way to deposit your checks without even having to go into your local branch. Simply open up the Bowater Credit Union App, tap on...
Joyce Johnson wins $1000 Donation to Foundation House Ministries
CALHOUN – Bowater Credit Union account owner Joyce Johnson, has won $1,000 from Bowater Credit Union to her favorite non-profit: Foundation House Ministries. Bowater Credit Union has asked its members to nominate their favorite non-profit helping people in the...
Vote for Your Favorite Member-Designed TShirt!
It's time once again to vote for your favorite T-shirt design! Each design was created by a Member-Owner of Bowater Credit Union. The winning design will be on the T-shirts handed out at every branch on Thursday, October 19 - A.K.A. Member Appreciation Day! Here's...
Junior Achievement: Bowling for Financial Literacy
Junior Achievement hosted an event this year to raise money for their organization, which seeks to help educate our younger generation in the subject of finances. This year, Bowater Credit Union raised $3,618.78 at the Junior Achievement Bowl for Education as well as...
The Smart Option Student Loan® for Bowater Credit Union by Sallie Mae®
For borrowers attending degree-granting institutions. Now you can pay for college the smart way with three great repayment options and competitive interest rates! This loan is an ideal solution to help you pay for college expenses not covered by scholarships and...
Bowater Credit Union wins Top Financial Institution at JA’s Bowl for Education
Bowater Credit Union has once again won the title of Top Financial Institution in Junior Achievement's Bowl for Education! To earn the honorific of "Top Financial Institution" your bank or credit union must raise the most money as a company. Through the power of...
Member Blanche Landers Wins $500 Pot O’ Gold
Bowater Credit Union member Blanche Landers won this year's $500 Pot O' Gold! Every member who is age 50 or better and has a checking account at Bowater Credit Union is automatically entered. Other benefits of Gold Interest Checking include free checks once a year...
Member Devin Caylor Stops Fraud with Free Service Visa Purchase Alerts
CALHOUN – Bowater Employees Credit Union member Devin Caylor actively prevented fraud on his debit card by signing up for, and paying attention to, VISA Purchase Alerts, a free service. Mr. Caylor received a text alert for a purchase of $99.58 at a Florida store. He...
Bowater Credit Union Holds FUNdraisers for Junior Achievement
Bowater Credit Union Branches put the fun in fundraiser as they hold bake sales and sell raffle tickets at each location. All the proceeds will go directly to Junior Achievement. Raffle tickets are $5, tax deductible and can be purchased at any of Bowater Credit...
Bowater Credit Union donates $1000 each to Athens VFW, Blythe Boys & Girls Club
Bowater Employees Credit Union member Cynthia Lynn, and Bowater CU Member Jim Haney have each won $1,000 from Bowater Credit Union to their favorite non-profits: Blythe Boys and Girls Club and Veterans of Foreign Wars Post 5146 Athens, respectively. Bowater CU has...
Bowater Credit Union Offers Yearly Scholarship
Every year, Bowater Credit Union offers a $2000 scholarship to one lucky member. They will receive $500 every year, totaling $2000. The scholarship is awarded to one qualified student based on grades, community involvement and a 1-2 page essay submission. If you are a...
Bowater CU Member Stops Debit Card Fraud As It Happens
CALHOUN – Bowater Employees Credit Union member Chanda Phillips actively prevented fraud on her debit card by signing up for, and paying attention to, VISA Purchase Alerts. Phillips was working from home with her phone in her hand when she saw a VISA Purchase Alert. ...
Member Lori Freeman Wins $1,000 for Feed My Sheep
Bowater Employees Credit Union member Lori Freeman, has won $1,000 from Bowater Credit Union to her favorite non-profit, Feed My Sheep Sack Pack Program through Benton United Methodist Church. Bowater Credit Union has asked its members to nominate their favorite...
Etowah ATM Damaged, Unavailable Until Further Notice
The Etowah ATM was heavily damaged early this morning. The person responsible has been apprehended. No money was lost. The ATM will be unavailable until further notice. In Etowah and need to make a withdrawal from your Bowater Credit Union Account? Nearest...
Special! Holiday Loan is available thru Dec 31
Just in time for the holidays, your credit union offers the Holiday Loan at a special low rate. Borrow up to $2,000 with rates as low as 5.75% APR!
Visa Purchase Alerts
Receive a text or email instantly, whenever your card is used to make a purchase. Enroll today and immediately begin receiving a text or email anytime a purchase is made over an amount you choose. Stop fraud in its tracks by setting your purchase amount to $1 or...
Bowater Credit Union Brings Finance Fun to the Classroom
Calhoun, TN – September 23, 2016 – Junior Achievement (JA) aims to bring the tough topic of finances to the classroom. Two Bowater Credit Union employees decided to partner with JA to help explain finances to middle schoolers at Athens Middle School in a fresh, fun...
Sara Wilson Wins Annual $2,000 Scholarship
Sara Wilson of Georgetown, TN has been selected as the winner of Bowater Employees Credit Union’s Annual $2,000 College Scholarship.
$1000 Winner | Food Pantry
JoAnne Rogers wins $1,000 for The Eastview Baptist Church Food Pantry from Bowater Credit Union Credit Union Member JoAnne Rogers has won $1,000 for her favorite charitable organization, the Eastview Baptist Church Food Pantry. Bowater Credit Union asked its members...