Credit union · NCUA insured
Bowater Credit Union Credit Card Rates
Top CarrotBowater Credit Union credit cards start at 6.00% APR on purchases, after any introductory rate. Rates checked October 5, 2026.
How Bowater Credit Union’s credit card rates compare
Compared with banks and credit unions near Athens, TN, where Bowater Credit Union has the most branches. Ongoing purchase APR, lowest first.
This credit union’s lowest
Bowater Credit Union
6.00%APR
- Annual fee
- None
- Up to
- 24.00% APR
ScoreCard Rewards Visa
2nd-lowest rate
Citizens National Bank
10.90%APR
- Annual fee
- None
- Up to
- —
3rd-lowest rate
Truist Bank
13.99%APR
- Annual fee
- $450
- Up to
- —
Bowater Credit Union credit card score
99
Credit card score
Higher than 99% of U.S. banks and credit unions
- Purchase APRPurchase APR6.00%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Bowater Credit Union ranks
By credit card score, in each area where it has branches
Every rate
Current credit card rates
Rates from the credit union’s website. Most are “as low as” rates for the best credit; yours depends on your credit.
Classic VISA Credit Card
Requires a credit score of 700+. Fixed rate of 9.9% APR applies to purchases, balance transfers, and cash advances. No annual fee, no balance transfer fee, and no over-limit fee. 25-day grace period for repayment of balance for purchases. $0.50 minimum finance charge if balance is not paid in full each month.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 9.90% | None | Fixed APR of 9.9% for credit scores of 700+. Applies to purchases, balance transfers, and cash advances. No annual fee, no balance transfer fee, no over-limit fee. |
Sources (4)
- bowaterecu.org/classic-visa-credit-card
- bowaterecu.org/credit-cards
- bowaterecu.org/scorecard-rewards-visa
- bowaterecu.org/visa-credit-cards
All captured Oct 5, 2026
ScoreCard Rewards Visa
No minimum credit score required. Variable APR varies from 6% to 24% based on credit score, debt-to-income ratio, and financial history. No annual fee, no balance transfer fee, and no over-limit fee. 25-day grace period on purchases. $0.50 minimum finance charge if balance is not paid in full each month.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 6.00%–24.00% | None | Variable APR ranging from 6% to 24% based on credit score and financial profile. No annual fee, no balance transfer fee, no over-limit fee. |
Sources (4)
- bowaterecu.org/classic-visa-credit-card
- bowaterecu.org/credit-cards
- bowaterecu.org/scorecard-rewards-visa
- bowaterecu.org/visa-credit-cards
All captured Oct 5, 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.