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Overview / Commentary
423-542-6078
210 E C St
Elizabethton, TN 37643-2722

Happy Valley Credit Union is headquartered in Elizabethton and is the 69th largest credit union in the state of Tennessee. It is also the 2,908th largest credit union in the nation. It was established in 1933 and as of June of 2016, it had grown to 11 employees and 4,227 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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Health
B
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

Overall
NCUA #68097
Year Chartered1933
Employees11
Primary Regulator
Profit Margin
Return on Assets - YTD0.68%
Return on Equity - YTD3.9%
Annual Interest Income$538.00K
Assets and Liabilities
AssetsQ2 2016vs Q2 2015$30.2MM$30.8MM
LoansQ2 2016vs Q2 2015$17.8MM$16.3MM
DepositsQ2 2016vs Q2 2015$24.8MM$25.4MM
Equity CapitalQ2 2016vs Q2 2015$5.2MM$5.0MM
Loan Loss AllowanceQ2 2016vs Q2 2015$368.00K$410.00K
Unbacked Noncurrent LoansQ2 2016vs Q2 2015$208.00K$133.00K
Real Estate OwnedQ2 2016vs Q2 2015$0$0
Rates
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Happy Valley Credit Union Savings Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.35%--IRA
0.25%--Share Account
0.25%--Christmas Club
0.25%--Vacation Club
0.10%--Escrow Account

Happy Valley Credit Union Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.10%--Share Draft Account

Happy Valley Credit Union CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.85%$1k-24 Month CD
0.65%$1k-18 Month CD
0.63%$1k-12 Month CD
0.45%$1k-6 Month CD

Happy Valley Credit Union IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.85%$1k-24 Month IRA
0.65%$1k-18 Month IRA
0.63%$1k-12 Month IRA
0.45%$1k-6 Month IRA
Locations


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