Happy Valley Credit Union

Overview / Commentary
210 E C St
Elizabethton, TN 37643

Happy Valley Credit Union is headquartered in Elizabethton and is the 71st largest credit union in the state of Tennessee. It is also the 2,709th largest credit union in the nation. It was established in 1933 and as of March of 2021, it had grown to 10 employees and 3,807 members at 1 location. Happy Valley Credit Union has a B+ health rating.

Field of Membership Restrictions

Membership with Happy Valley Credit Union is open to anyone who work, worships or lives, within one of their census tract areas of Carter County, TN. Additionally, employees of one of the many select employer groups are also eligible for membership.
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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 - YTD-0.31%
Return on Equity - YTD-2.18%
Annual Interest Income$212.00K
Assets and Liabilities
AssetsQ1 2021vs Q1 2020$40.9MM$34.0MM
LoansQ1 2021vs Q1 2020$13.0MM$16.1MM
DepositsQ1 2021vs Q1 2020$34.6MM$28.2MM
Equity CapitalQ1 2021vs Q1 2020$5.5MM$5.6MM
Loan Loss AllowanceQ1 2021vs Q1 2020$62.00K$103.00K
Unbacked Noncurrent LoansQ1 2021vs Q1 2020$180.00K$269.00K
Real Estate OwnedQ1 2021vs Q1 2020$0$0
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Happy Valley Credit Union Savings Account Rates

0.10%$5-Share Account
0.10%--Christmas Club
0.10%--Vacation Club
0.10%--Special Savings

Happy Valley Credit Union Checking Account Rates

0.02%--Share Draft Account

Happy Valley Credit Union CD Rates

1.00%$1k-24 Month CD
0.85%$1k-18 Month CD
0.70%$1k-12 Month CD
0.50%$1k-6 Month CD

Happy Valley Credit Union IRA Rates

1.00%$1k-24 Month IRA
0.85%$1k-18 Month IRA
0.70%$1k-12 Month IRA
0.50%$1k-6 Month IRA

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

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