Credit union · NCUA insured
Happy Valley Credit Union CD Rates
Happy Valley Credit Union’s best CD rate is 3.10% APY on a 2-year share certificate (CD). Terms run from 6 months to 2 years. Rates checked October 15, 2026.
How Happy Valley Credit Union’s CD rates compare
Compared with banks and credit unions near Johnson City, TN, where Happy Valley Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Happy Valley Credit Union
3.10%APY
- Term
- 24 months
- Minimum
- $1,000
- Earns on $10,000
- $630
Share Certificate of Deposit
Top rate
Knoxville TVA Employees Credit Union
5.00%APY
- Term
- 12 months
- Minimum
- $2,500
- Earns on $10,000
- $500
2nd-highest rate
TEN Credit Union
4.50%APY
- Term
- 7 months
- Minimum
- $500
- Earns on $10,000
- $260
Happy Valley Credit Union CD score
65
CD score
Higher than 14% of U.S. banks and credit unions
- 3–8 months3–8 mo2.02%
- 9–15 months9–15 mo2.84%
- 16–30 months16–30 mo3.10%
- QualifiedQualified3.10%
Each track runs from the lowest to the highest rate among U.S. banks and credit unions; the dot is this rate.Qualified: needs another account or monthly activity.
Where Happy Valley Credit Union ranks
By CD score, in each area where it has branches
Every rate
Current CD rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
Share Certificate of Deposit
Up to 3.10%APY · 4 terms
Interest is paid at maturity. A penalty will or may be imposed for early withdrawal. Rates subject to change without notice.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 months | 2.02% | $100 |
| 12 months | 2.84% | $284 |
| 18 months | 2.94% | $444 |
| 24 months | 3.10% | $630 |
Special-purpose accounts
IRA
0.25%APY
Rates subject to change. (423)-542-6078
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Any balance | 0.25% | $25 |
Sources (1)
- hvcu-tn.net/rates · captured Sep 24, 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This may be incomplete or out of date, so check with the credit union before you apply.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.