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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 72nd largest credit union in the state of Tennessee. It is also the 2,920th largest credit union in the nation. It was established in 1933 and as of June of 2017, it had grown to 10 employees and 4,128 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
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
Employees10
Primary Regulator
Profit Margin
Return on Assets - YTD0.71%
Return on Equity - YTD3.97%
Annual Interest Income$526.00K
Assets and Liabilities
AssetsQ2 2017vs Q2 2016$30.2MM$30.2MM
LoansQ2 2017vs Q2 2016$18.1MM$17.8MM
DepositsQ2 2017vs Q2 2016$24.4MM$24.8MM
Equity CapitalQ2 2017vs Q2 2016$5.4MM$5.2MM
Loan Loss AllowanceQ2 2017vs Q2 2016$289.00K$368.00K
Unbacked Noncurrent LoansQ2 2017vs Q2 2016$243.00K$208.00K
Real Estate OwnedQ2 2017vs Q2 2016$8.00K$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
0.25%--Special Savings

Happy Valley Credit Union Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.10%--Share Draft Account

Happy Valley Credit Union CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
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

APYMINMAXACCOUNT NAMEVIEW DETAILS
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 Office210 E C StElizabethton, TN 37643-2722