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

Happy Valley Credit Union is headquartered in Elizabethton and is the 72nd largest credit union in the state of Tennessee. It is also the 2,861st largest credit union in the nation. It was established in 1933 and as of September of 2018, it had grown to 12 employees and 4,015 members at 1 location. Happy Valley Credit Union's CD rates are 3X the national average, and it 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 - YTD0.52%
Return on Equity - YTD2.86%
Annual Interest Income$822.00K
Assets and Liabilities
AssetsQ3 2018vs Q3 2017$30.6MM$30.2MM
LoansQ3 2018vs Q3 2017$18.3MM$18.5MM
DepositsQ3 2018vs Q3 2017$24.9MM$24.4MM
Equity CapitalQ3 2018vs Q3 2017$5.6MM$5.5MM
Loan Loss AllowanceQ3 2018vs Q3 2017$190.00K$272.00K
Unbacked Noncurrent LoansQ3 2018vs Q3 2017$227.00K$250.00K
Real Estate OwnedQ3 2018vs Q3 2017$0$7.00K
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Happy Valley Credit Union Savings Account Rates

0.30%$5-Share Account
0.30%--Christmas Club
0.30%--Vacation Club
0.30%--Special Savings

Happy Valley Credit Union Checking Account Rates

0.10%--Share Draft Account

Happy Valley Credit Union CD Rates

2.80%$1k-24 Month CD
2.72%$1k-18 Month CD
2.30%$1k-12 Month CD
1.50%$1k-6 Month CD

Happy Valley Credit Union IRA Rates

2.80%$1k-24 Month IRA
2.72%$1k-18 Month IRA
2.30%$1k-12 Month IRA
1.50%$1k-6 Month IRA

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

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