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 2,860th largest credit union in the nation. It was established in 1933 and as of December of 2018, it had grown to 11 employees and 4,050 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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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
Employees11
Primary Regulator
Profit Margin
Return on Assets - YTD0.49%
Return on Equity - YTD2.68%
Annual Interest Income$1.1MM
Assets and Liabilities
AssetsQ4 2018vs Q4 2017$30.5MM$29.7MM
LoansQ4 2018vs Q4 2017$17.7MM$18.9MM
DepositsQ4 2018vs Q4 2017$24.6MM$24.0MM
Equity CapitalQ4 2018vs Q4 2017$5.6MM$5.5MM
Loan Loss AllowanceQ4 2018vs Q4 2017$183.00K$241.00K
Unbacked Noncurrent LoansQ4 2018vs Q4 2017$316.00K$243.00K
Real Estate OwnedQ4 2018vs Q4 2017$35.00K$6.00K
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
2.48%$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

APYMINMAXACCOUNT NAMEVIEW DETAILS
2.48%$1k-18 Month IRA
2.38%$1k-24 Month IRA
2.07%$1k-12 Month IRA
1.00%$1k-6 Month IRA
Locations


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

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