Credit union · NCUA insured
Bowater Credit Union Savings Rates
Top CarrotBowater Credit Union’s best savings rate is 2.53% APY on $10,000, with its Investment Plus. Rates checked October 8, 2026.
How Bowater Credit Union’s savings 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
2.53%APY
- Minimum
- $2,500
- Earns on $10,000 a year
- $253
Investment Plus
Top rate
Tennessee Valley Federal Credit Union
2.55%APY
- Minimum
- $2,500
- Earns on $10,000 a year
- $255
3rd-highest rate
SouthEast Bank
0.60%APY
- Minimum
- $2,500
- Earns on $10,000 a year
- $60
Bowater Credit Union savings score
89
Savings score
Higher than 90% of U.S. banks and credit unions
- $1,000 balance$1,0000.30%
- $10,000 balance$10,0002.53%
- $100,000 balance$100,0002.53%
- QualifiedQualified2.53%
Each track runs from the lowest to the highest rate among U.S. banks and credit unions; the dot is this rate.Qualified: needs another account or monthly activity.
Where Bowater Credit Union ranks
By savings score, in each area where it has branches
Every rate
Current savings rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
Investment Plus
2.53%APY
Membership is open to individuals who live, work, or attend school in Bradley, McMinn, Meigs, Monroe, and Polk counties. Requires maintaining one share of $5.00 par value.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $2,500 and upDividends compounded and credited monthly. Daily balance method used. Minimum daily balance of $2,500.00 required to earn stated APY. Limit of 6 transfers and withdrawals per month. Rate may change at any time.$2,500 and up | 2.53% | $253 | Dividends compounded and credited monthly. Daily balance method used. Minimum daily balance of $2,500.00 required to earn stated APY. Limit of 6 transfers and withdrawals per month. Rate may change at any time. |
Sources (3)
- bowaterecu.org/investment-plus-account · captured Sep 18, 2026
- bowaterecu.org/deposits · captured Sep 18, 2026
- bowaterecu.org/wp-content/uplo…Savings-and-Checking.pdf · captured Oct 8, 2026
Investment Plus
2.53%APY
$2,500 minimum balance. Variable rate.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $2,500 and upVariable rate.$2,500 and up | 2.53% | $253 | Variable rate. |
Sources (1)
- bowaterecu.org/deposit-rates · captured Oct 5, 2026
Share Account
0.30%APY
Opened upon joining the credit union. $5 minimum balance requirement. No fees. Accrues daily, credited quarterly.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $5 and upRate represents intended rate for the current quarter as declared by the Board of Directors; actual rates declared at quarter end.$5 and up | 0.30% | $30 | Rate represents intended rate for the current quarter as declared by the Board of Directors; actual rates declared at quarter end. |
Special Shares
0.30%APY
Rate represents intended rate for the current quarter as declared by the Board of Directors; actual rates declared at quarter end.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceRate represents intended rate for the current quarter as declared by the Board of Directors; actual rates declared at quarter end.Any balance | 0.30% | $30 | Rate represents intended rate for the current quarter as declared by the Board of Directors; actual rates declared at quarter end. |
Sources (1)
- bowaterecu.org/deposit-rates · captured Oct 5, 2026
Special-purpose accounts
Accumulative IRA
2.53%APY
Variable rate. No minimum balance; deposit any amount and access funds anytime without credit union early withdrawal penalties (IRS penalties may apply).
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceVariable rate.Any balance | 2.53% | $253 | Variable rate. |
Christmas Club
0.30%APY
Maturity is Sept. 30 (term varies depending on date opened). Maximum monthly deposit is $1,000. Rate subject to change quarterly.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceMatures Sept. 30. Maximum monthly deposit is $1,000. Rate subject to change quarterly.Any balance | 0.30% | $30 | Matures Sept. 30. Maximum monthly deposit is $1,000. Rate subject to change quarterly. |
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.