Happy Valley Credit Union

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

Happy Valley Credit Union is headquartered in Elizabethton and is the 71st largest credit union in the state of Tennessee. It is also the 2,811th largest credit union in the nation. It was established in 1933 and as of March of 2019, it had grown to 11 employees and 4,032 members at 1 location. Happy Valley Credit Union's CD rates are 2X 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.
See current membership details


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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 - YTD0.48%
Return on Equity - YTD2.68%
Annual Interest Income$274.00K
Assets and Liabilities
AssetsQ1 2019vs Q1 2018$32.4MM$30.9MM
LoansQ1 2019vs Q1 2018$17.0MM$18.5MM
DepositsQ1 2019vs Q1 2018$26.5MM$25.1MM
Equity CapitalQ1 2019vs Q1 2018$5.7MM$5.5MM
Loan Loss AllowanceQ1 2019vs Q1 2018$146.00K$232.00K
Unbacked Noncurrent LoansQ1 2019vs Q1 2018$224.00K$200.00K
Real Estate OwnedQ1 2019vs Q1 2018$0$0
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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

2.48%$1k-18 Month CD
2.38%$1k-24 Month CD
2.07%$1k-12 Month CD
1.00%$1k-6 Month CD

Happy Valley Credit Union IRA Rates

2.48%$1k-18 Month IRA
2.38%$1k-24 Month IRA
2.07%$1k-12 Month IRA
1.00%$1k-6 Month IRA

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

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