Credit union · NCUA insured
Bowater Credit Union CD Rates
Top CarrotBowater Credit Union’s best CD rate is 4.25% APY on a 9-month share certificate (CD). Terms run from 9 months to 15 months. Rates checked October 23, 2026.
How Bowater Credit Union’s CD rates compare
Compared with banks and credit unions near Athens, TN, where Bowater Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Bowater Credit Union
4.25%APY
- Term
- 9 months
- Requires
- None
- Minimum
- $500
- Earns on $10,000
- $317
Term Share Account
Top rate
Tennessee Valley Federal Credit Union
4.50%APY
- Term
- 12 months
- Requires
- None
- Minimum
- $1,000
- Earns on $10,000
- $450
2nd-highest rate
SouthEast Bank
4.48%APY
- Term
- 12 months
- Requires
- Another account
- Minimum
- $1,000
- Earns on $10,000
- $448
Every rate
Current CD rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
Term Share Account
4.25%APY · 2 terms
Terms from 6 to 60 months. $500 minimum opening deposit. No fees except potential early withdrawal penalties. Automatic renewal at maturity or option to withdraw without penalty. Certificate Special offers require New Money only (money not on deposit within prior 6 months) and maximum deposit of $250,000; non-members must open share account with $5 par value.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 9 monthsCertificate Special. Opened with New Money only (defined as money not on deposit at Bowater Credit Union within prior 6 months). 9-Month early withdrawal penalty is 30 days dividends. Special rate available until first maturity | 4.25% | $317 |
| 15 monthsCertificate Special. Opened with New Money only (defined as money not on deposit at Bowater Credit Union within prior 6 months). 15-Month early withdrawal penalty is 60 days dividends. Special rate available until first maturity | 4.25% | $534 |
Sources (1)
- bowaterecu.org/term-share-accounts-cds · captured Oct 23, 2026
Who can join Bowater Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Membership is open to individuals who live, work, worship, or go to school in Bradley, McMinn, Meigs, Monroe, or Polk County, Tennessee.
Employers and groups
- Membership is open to employees of Bowater Credit Union Partner Companies.
Family and household
- Membership is open to family members of current members, including parents, spouses, spouse's parents, children, step-children, grandparents, spouse's grandparents, grandchildren, brothers, sisters, brothers/sisters-in-law, stepbrothers/stepsisters, aunts/uncles, and nieces/nephews.
Other ways
- Membership is open to Bowater Good Fellows, with Bowater Credit Union paying the contribution to the organization.
Cost to join
- New members must open a Savings account and deposit an initial $5; there is no membership fee.
Membership information collected October 5, 2026.