Bowater Employees Credit Union Cleveland TN

Introduction

Call to Action

Explore how Bowater Employees can support your financial journey today! Visit our website at bowaterecu.org or give us a call at 423-472-2300. Join us and experience the difference of being part of a member-focused credit union where your success is our priority.

Community Commitment

We're not just about numbers; we're about people. At Bowater Employees, our dedicated team of 65 employees, led by CEO Matthew Holden and Board President David Lattimore, strives to foster a welcoming environment. Whether you need assistance with everyday banking or have questions about loans, our knowledgeable staff is here to help. While members can visit us at our branch location for all their banking needs, official correspondence should be sent to the same address: 1007 Keith Street, Cleveland, TN 37311. We are also equipped with an ATM on-site for your convenience.

Branch History & Mission

Community Engagement

Our commitment extends beyond banking. We actively engage in community outreach programs and partnerships that uplift those around us. Whether it's sponsoring local events or providing educational workshops on financial literacy, we believe in giving back and nurturing growth within our community. We invite you to experience the warmth and dedication of Bowater Employees firsthand. Visit us during our operating hours from 7:30 AM to 5:00 PM, Monday through Friday, or give us a call at (423) 472-2300. Join us today and discover how we can help you reach your financial goals while becoming part of a caring community. Together, let's build a brighter future!

Our Mission

At Bowater Employees, our mission is clear: we strive to enhance the financial well-being of every member while fostering a sense of community. We aim to empower individuals by offering a range of services tailored to their needs from basic banking to loans and beyond. With total assets exceeding $276,810,455, we ensure that our resources are directed towards supporting you and your family's financial journey. As technology has evolved, so have we. Our branch embraces digital advancements like online banking and mobile payments, making it easier for you to manage your finances on-the-go. We also prioritize accessibility, ensuring our services comply with ADA standards so everyone can bank comfortably.

Branch Location & Accessibility

Accessibility Features

Our branch is designed with accessibility in mind, featuring ramps and ADA-compliant entrances, ensuring that everyone can easily visit us. Parking is readily available, so you won't have to worry about finding a spot when you come by.

Operating Hours and Services

We are open Monday through Friday from 7:30 AM to 5:00 PM, making it easy for you to stop in before or after work. While we currently do not offer drive-thru services, our ATM is available for your convenience, allowing you to make withdrawals and check balances anytime. While members can visit us at 1007 Keith St NW, official correspondence should be sent to the same address for clarity. If you have any questions or need assistance, feel free to give us a call at 423-472-2300. We invite you to come by and experience the welcoming environment of Bowater Employees Credit Union. Whether you're looking for basic ATM services or just want to chat with our friendly staff about your banking needs, we're here for you!

Member Eligibility

At Bowater Employees, we believe that everyone deserves a supportive community to help them achieve their financial goals. Joining us is easy! If you live, work, worship, or attend school in the Cleveland area, you're likely eligible for membership. We also welcome family members of existing members, making it simple for you to get involved with our friendly credit union. By becoming a member, you'll gain access to a range of financial services tailored just for you, along with the personal touch that makes banking enjoyable. To learn more about the specific eligibility criteria and see if you qualify, visit our website at https://bowaterecu.org/membership/ . When you're ready to take the next step, opening an account is straightforward and convenient just check out our account opening details at https://bowaterecu.org/get-started/ . If you have any questions or need assistance, feel free to give us a call at (423) 472-2300. We can't wait to welcome you into our Bowater Employees family!

Business Banking & Commercial Services

Loan Options That Fuel Growth

Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs. We've funded over $0 in commercial loans for our members, helping businesses scale and succeed. We also support the broader business community with $0 in non-member commercial loans, providing flexible financing solutions that cater to your unique needs.

Practical Merchant Services

In addition to loans, we offer merchant services designed to simplify transactions and enhance customer experiences. Whether you're processing credit card payments or managing your cash flow, our solutions make it easier for you to focus on what matters most growing your business. Visit us at 1007 Keith St Nw Cleveland Tn 37311 in Cleveland, TN or give us a call at (423) 472-2300 to learn more about how we can partner with you on your journey to success!

Comprehensive List Of Services

ATM Services

One of the key services we offer is our ATM facilities. With ATM Services Only, members can enjoy basic ATM access, allowing for easy withdrawals and balance checks. Imagine being able to withdraw cash while you're out running errands or checking your balance after a shopping trip all without needing to step inside a bank. We understand that convenience matters, especially in today's fast-paced world. In addition to these services, we pride ourselves on providing digital banking features. Our online banking platform allows you to manage your accounts from anywhere, whether you're at home or on the go. With options like mobile payments and person-to-person transfers, you can handle your finances quickly and efficiently.

Personalized Support

Our friendly team is also here to assist you with any questions or concerns you may have regarding your account or our services. You can reach us easily at (423) 472-2300 during our operating hours from 7:30 AM to 5:00 PM, Monday through Friday. We believe that personalized support makes all the difference when it comes to managing your finances. As a member of Bowater Employees, you'll find that we strive not only to meet but exceed your expectations with every interaction. Our commitment is towards building lasting relationships within the community we serve. If you're interested in learning more about how Bowater Employees can help you achieve your financial goals, please don't hesitate to visit us or check out our website at https://bowaterecu.org/ . Your journey towards better banking starts here!

Digital & Online Banking

In today's fast-paced world, convenience and security are key when it comes to managing your finances. At Bowater Employees, we understand that our members want easy access to their accounts anytime, anywhere. That's why we offer a comprehensive range of digital and online banking services designed with you in mind. With our 24/7 online banking service, you can manage your accounts from the comfort of your home or on the go. Just visit https://bowaterecu.org/ to log in and check your balance, pay bills, or transfer funds whenever it suits you. If you're always on your smartphone, our mobile application makes banking even easier. You can download it to access all your account features at your fingertips. One of the standout features is our person-to-person transfer option, allowing you to send money quickly to friends or family without hassle. Need to sign documents? With electronic signature authorization, you can complete paperwork online without needing to print anything out saving time and trees! We also provide e-statements, which means you can view and download your bank statements electronically. This not only helps keep your records organized but is also more secure than traditional paper statements. And for those who love the simplicity of mobile payments, we offer a mobile payments feature that lets you make purchases directly from your phone. At Bowater Employees, we prioritize your safety. Our online banking platform employs robust security measures to protect your information while ensuring an intuitive user experience. Whether you're checking balances late at night or sending money during lunch breaks, our services are designed for ease-of-use and peace of mind. Join us today and experience how digital banking can simplify your financial life! For more information, visit https://bowaterecu.org/ or give us a call at (423) 472-2300.

Financial Strength

A Growing Community

With total share accounts reaching 38,931, our member base continues to grow as more people trust us with their finances. Net Shares available for lending and investments amount to $4,663,640, which strengthens our ability to support you financially. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, Bowater Employees is your trusted partner. Visit us at 1007 Keith St Nw Cleveland Tn 37311 or call (423) 472-2300 to learn more about how we can help you achieve your financial goals.

Commitment to Growth

With $22,675,885 in undivided earnings, we reinvest in innovative banking tools, stronger lending options, and enhanced security measures to serve our members better. Our lending capacity supports your financial goals across various sectors with $3,310 in used auto loans and $192,110,160 in total loans and leases. Our impressive $3,074,094 reflects our operational efficiency, enabling us to continue offering competitive loan rates and solid financial products for our members. We also take pride in having 57 full-time employees and 8 part-time employees, ensuring our branches are always ready to serve you with a knowledgeable, committed team.

Member-Centric Savings

Members' savings are secured through $73,972,738 in share certificates and $18,283,826 in money market shares, offering stable and rewarding financial growth opportunities. Unlike traditional banks, we prioritize our members. With non-member deposits at $0, we ensure that our resources are focused on benefiting you through better loan rates, lower fees, and exclusive perks.

Strong Financial Foundation

With a net worth of $26,017,845, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of $939 demonstrates a solid capital foundation, ensuring that we can continue providing loans, competitive savings rates, and uninterrupted services even in uncertain economic times.

Loan Offering

Auto Loans

Looking to buy a new car? Our auto loans offer some of the lowest rates in the industry, with over $48,774,382 in used vehicle loans and $25,748,291 in new vehicle loans already helping members get on the road. We provide flexible terms that make purchasing a vehicle easier than ever.

Credit Lines and Unsecured Credit Cards

For those who need extra financial flexibility, we offer credit lines totaling $136,960,639. Additionally, our unsecured credit card loans amount to $2,509,411, helping members manage their finances effectively without the need for collateral. If you're considering refinancing or want to know about eligibility options for any of our products, please don't hesitate to ask! Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov , based on the latest results. At Bowater Employees Credit Union, we're dedicated to providing you with clear and practical financial solutions that fit your lifestyle. Come visit us today!

Mortgage Loans

Thinking about homeownership? Our mortgage options, including Junior Lien 1-4 Family Residential Properties loans totaling $44,836,595, make buying or refinancing simple. We aim to streamline the process so you can focus on making your house a home.

Loan Aggregator

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How LendMesh Ensures Accurate Loan Comparisons

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BOWATER EMPLOYEES CREDIT UNION