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...
Why Credit Unions Are Better
If you owned a business, you would do everything you could to create and drive income to grow that business and make it stronger, right? Well, your Credit Union is a business and you are an Owner! So, when you actively use the Credit Union’s products and services, you are investing in your own business, making it stronger for you and all of its other Member-Owners..
Credit Score Tips
Your credit score is calculated from 5 major categories: Payment history: 35%, Amounts owed: 30%, Length of credit history: 15%, New credit: 10%, Types of credit used: 10%
Here are some ways to improve your score in all categories: Payment History
Pay your bills on time. Delinquent payments and collections can have a major negative impact on your FICO score…