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Overview / Commentary
210 E C St
Elizabethton, TN 37643-2722

Happy Valley Credit Union is headquartered in Elizabethton and is the 71st largest credit union in the state of Tennessee. It is also the 2,906th largest credit union in the nation. It was established in 1933 and as of December of 2016, it had grown to 11 employees and 4,096 members at 1 location. Happy Valley Credit Union has a B health rating.

Field of Membership Restrictions

Happy Valley Credit Union of Tennessee is open to the residents, church members, and the people that maintain employment within any of the qualified cities or towns that the credit union serves within Carter County, the employees of the varied credit union affiliated select employee groups, and the family members of current credit union members.
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Additional Factors: Institutions with a small asset base, a short operating history, or negative return on assets can represent an instability risk beyond what their financial ratios indicate. Happy Valley Credit Union has a low asset base.

Health Grade Components

NCUA #68097
Year Chartered1933
Primary Regulator
Profit Margin
Return on Assets - YTD0.68%
Return on Equity - YTD3.83%
Annual Interest Income$1.1MM
Assets and Liabilities
AssetsQ4 2016vs Q4 2015$30.0MM$30.5MM
LoansQ4 2016vs Q4 2015$17.6MM$16.9MM
DepositsQ4 2016vs Q4 2015$24.5MM$25.2MM
Equity CapitalQ4 2016vs Q4 2015$5.3MM$5.1MM
Loan Loss AllowanceQ4 2016vs Q4 2015$341.00K$408.00K
Unbacked Noncurrent LoansQ4 2016vs Q4 2015$348.00K$248.00K
Real Estate OwnedQ4 2016vs Q4 2015$0$0
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Happy Valley Credit Union Savings Account Rates

0.25%--Share Account
0.25%--Christmas Club
0.25%--Vacation Club
0.10%--Escrow Account

Happy Valley Credit Union Checking Account Rates

0.10%--Share Draft Account

Happy Valley Credit Union CD Rates

1.00%$1k-24 Month New Money CD Special
0.85%$1k-24 Month CD
0.85%$1k-18 Month New Money CD Special
0.75%$1k-12 Month New Money CD Special
0.65%$1k-18 Month CD
0.63%$1k-12 Month CD
0.50%$1k-6 Month New Money CD Special
0.45%$1k-6 Month CD

Happy Valley Credit Union IRA Rates

0.85%$1k-24 Month IRA
0.65%$1k-18 Month IRA
0.63%$1k-12 Month IRA
0.45%$1k-6 Month IRA

Happy Valley Credit Union Locations
Branch Office210 E C StElizabethton, TN 37643-2722