Happy Valley Credit Union

Popular Accounts at this Credit Union

APY	ACCOUNT TYPE	ACCOUNT NAME
0.75%	1-year CD	12 Month CD 1.40% - Synchrony Bank 12 Month CD
0.25%	Savings	Share Account 1.20% - Goldman Sachs Bank USA Online Savings
1.00%	2-year CD	24 Month CD 1.65% - Synchrony Bank 24 Month CD

View all Happy Valley Credit Union rates »

Overview / Commentary

www.hvcu-tn.com

423-542-6078

210 E C St
Elizabethton, TN 37643-2722

Happy Valley Credit Union is headquartered in Elizabethton and is the 71^st largest credit union in the state of Tennessee. It is also the 2,930^th largest credit union in the nation. It was established in 1933 and as of March of 2017, it had grown to 10 employees and 4,124 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+

Data as of Q1 2017

Learn why bank health matters

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 Chartered	1933
Employees	10
Primary Regulator

Profit Margin
Return on Assets - YTD	0.57%
Return on Equity - YTD	3.2%
Annual Interest Income	$260.00K

Assets and Liabilities
Assets	Q1 2017vs Q1 2016	$30.2MM$30.2MM
Loans	Q1 2017vs Q1 2016	$17.4MM$16.9MM
Deposits	Q1 2017vs Q1 2016	$24.7MM$24.8MM
Equity Capital	Q1 2017vs Q1 2016	$5.4MM$5.2MM
Loan Loss Allowance	Q1 2017vs Q1 2016	$332.00K$381.00K
Unbacked Noncurrent Loans	Q1 2017vs Q1 2016	$185.00K$113.00K
Real Estate Owned	Q1 2017vs Q1 2016	$0$0

Rates

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Checking
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IRA

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Happy Valley Credit Union Savings Account Rates

APY	MIN	MAX	ACCOUNT NAME
0.35%	-	-	IRA
0.25%	-	-	Share Account
0.25%	-	-	Christmas Club
0.25%	-	-	Vacation Club
0.25%	-	-	Escrow Account

Happy Valley Credit Union Checking Account Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
0.10%	-	-	Share Draft Account

Happy Valley Credit Union CD Rates

APY	MIN	MAX	ACCOUNT NAME
1.00%	$1k	-	24 Month CD
0.85%	$1k	-	18 Month CD
0.75%	$1k	-	12 Month CD
0.50%	$1k	-	6 Month CD

Happy Valley Credit Union IRA Rates

APY	MIN	MAX	ACCOUNT NAME
1.00%	$1k	-	24 Month IRA
0.85%	$1k	-	18 Month IRA
0.75%	$1k	-	12 Month IRA
0.50%	$1k	-	6 Month IRA

Locations

Happy Valley Credit Union Locations
Branch Office	210 E C St	Elizabethton, TN 37643-2722