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 2,898th largest credit union in the nation. It was established in 1933 and as of June of 2018, it had grown to 12 employees and 4,052 members at 1 location. Happy Valley Credit Union's CD rates are 42% higher than the national average, and it 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 - YTD0.51%
Return on Equity - YTD2.8%
Annual Interest Income$545.00K
Assets and Liabilities
AssetsQ2 2018vs Q2 2017$30.5MM$30.2MM
LoansQ2 2018vs Q2 2017$18.2MM$18.1MM
DepositsQ2 2018vs Q2 2017$24.8MM$24.4MM
Equity CapitalQ2 2018vs Q2 2017$5.6MM$5.4MM
Loan Loss AllowanceQ2 2018vs Q2 2017$223.00K$289.00K
Unbacked Noncurrent LoansQ2 2018vs Q2 2017$177.00K$243.00K
Real Estate OwnedQ2 2018vs Q2 2017$0$8.00K
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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

1.53%$1k-24 Month CD
1.38%$1k-18 Month CD
1.28%$1k-12 Month CD
0.75%$1k-6 Month CD

Happy Valley Credit Union IRA Rates

1.53%$1k-24 Month IRA
1.38%$1k-18 Month IRA
1.28%$1k-12 Month IRA
0.75%$1k-6 Month IRA

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

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