Credit union · NCUA insured
Happy Valley Credit Union Auto Loan Rates
Happy Valley Credit Union auto loans start at 4.75% APR for a new vehicle and 4.75% for a used one. Rates checked October 15, 2026.
How Happy Valley Credit Union’s auto loan rates compare
Compared with banks and credit unions near Johnson City, TN, where Happy Valley Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Happy Valley Credit Union
4.75%APR
- Terms
- —
- Up to
- —
New and Used Car and Truck Loans
Lowest rate
United Southeast Federal Credit Union
3.75%APR
- Terms
- 36–84 months
- Up to
- —
2nd-lowest rate
Greater Experience Credit Union
4.25%APR
- Terms
- 12–96 months
- Up to
- 16.25% APR
Happy Valley Credit Union auto loan score
87
Auto loan score
Higher than 76% of U.S. banks and credit unions
- New vehicleNew4.75%
- Used vehicleUsed4.75%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Happy Valley Credit Union ranks
By auto loan score, in each area where it has branches
Every rate
Current auto loan rates
Rates from the credit union’s website. Most are “as low as” rates for the best credit; yours depends on your credit, the term and the vehicle.
New and Used Car and Truck Loans
Credit restrictions may apply.
| Terms | APR | Conditions |
|---|---|---|
| — | 4.75% | Rates begin at 4.75%. Credit restrictions may apply. Call the loan officer for more details and current rates. |
Sources (1)
- hvcu-tn.net/rates · captured Oct 5, 2026
Who can join Happy Valley Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.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.
Membership information collected October 5, 2026.