Happy Valley Credit Union


Overview / Commentary
423-542-6078
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 2,790th largest credit union in the nation. It was established in 1933 and as of June of 2019, it had grown to 12 employees and 4,041 members at 1 location. Happy Valley Credit Union's CD rates are 17% higher than 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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Health
B+
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
Employees12
Primary Regulator
Profit Margin
Return on Assets - YTD0.44%
Return on Equity - YTD2.6%
Annual Interest Income$557.00K
Assets and Liabilities
AssetsQ2 2019vs Q2 2018$32.6MM$30.5MM
LoansQ2 2019vs Q2 2018$17.2MM$18.2MM
DepositsQ2 2019vs Q2 2018$26.9MM$24.8MM
Equity CapitalQ2 2019vs Q2 2018$5.5MM$5.6MM
Loan Loss AllowanceQ2 2019vs Q2 2018$134.00K$223.00K
Unbacked Noncurrent LoansQ2 2019vs Q2 2018$268.00K$177.00K
Real Estate OwnedQ2 2019vs Q2 2018$0$0
Rates
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Happy Valley Credit Union Savings Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.40%--IRA
0.30%$5-Share Account
0.30%--Christmas Club
0.30%--Vacation Club
0.30%--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
2.02%$1k-24 Month CD
1.51%$1k-18 Month CD
1.05%$1k-12 Month CD
0.80%$1k-6 Month CD

Happy Valley Credit Union IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
2.02%$1k-24 Month IRA
1.51%$1k-18 Month IRA
1.05%$1k-12 Month IRA
0.80%$1k-6 Month IRA
Locations


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

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