Credit union · NCUA insured
Happy Valley Credit Union
A $36.4M credit union headquartered in Elizabethton, TN, with 3,228 members and 1 branch in Tennessee. Best rates: CDs 3.10% and savings 0.20% APY.
Happy Valley Credit Union Carrot Score
73
Carrot Score
Higher than 34% of U.S. banks and credit unions
#12 of 20 in Johnson City, TN metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About Happy Valley Credit Union
Happy Valley Credit Union is a financial institution headquartered in Elizabethton, Tennessee, chartered by the State of Tennessee in 1933.
Originally named Bemberg-Glanzstoff Credit Union, it was renamed in 1934 and later merged with Thor Power Tool, Carter County Memorial Hospital, and Inland Container credit unions.
The credit union is owned by its members, who elect a board of directors to provide leadership.
- Headquarters
- 210 E C St, Elizabethton, TN 37643-2722
- NCUA charter
- 68097
Membership
Who can join
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Membership is open to anyone who worships, lives, or works within one of the credit union's census tract areas of Carter County, TN.
Employers and groups
- Membership is open to employees of the credit union's various SEG groups.
Family and household
- Membership is available to family members of existing members.
Cost to join
- A share account can be opened with a $5.00 deposit.
- A 25¢ membership fee is required.
Branches
1 branch in Tennessee
Loading map…
Tennessee
1 branch
- Happy Valley Credit UnionMain office210 E C St, Elizabethton, TN 37643Directions
Walk-in offices from the NCUA directory as of March 31, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
Well capitalizedas reported to the NCUA
| Measure | This credit union | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalNet worth ratio | 18.25% | 14.31% | 19.38% or more |
| Troubled loans60+ days late | 0.82% | 0.70% | 0.18% or less |
| ProfitabilityReturn on assets | 1.09% | 0.65% | 1.19% or more |
| LendingLoans per $100 deposited | $31 | $59 | — |
- CapitalNet worth ratio18.25%Peers’ middle 14.31% · Top 25% 19.38%+
- Troubled loans60+ days late0.82%Peers’ middle 0.70% · Top 25% ≤0.18%
- ProfitabilityReturn on assets1.09%Peers’ middle 0.65% · Top 25% 1.19%+
- LendingLoans per $100 deposited$31Peers’ middle $59
Compared with the 2,478 credit unions with under $100 million in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are loans 60 or more days late.
Regulators’ own ratings of Happy Valley Credit Union are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.