Credit union · NCUA insured
Happy Valley Credit Union Credit Card Rates
Happy Valley Credit Union credit cards start at 13.50% APR on purchases, after any introductory rate. Rates checked October 15, 2026.
How Happy Valley Credit Union’s credit card rates compare
Compared with banks and credit unions near Johnson City, TN, where Happy Valley Credit Union has the most branches. Ongoing purchase APR, lowest first.
This credit union’s lowest
Happy Valley Credit Union
13.50%APR
VISA Credit Card
Lowest rate
United Southeast Federal Credit Union
7.90%APR
2nd-lowest rate
Appalachian Community Federal Credit Union
9.80%APR
Happy Valley Credit Union credit card score
65
Credit card score
Higher than 14% of U.S. banks and credit unions
- Purchase APRPurchase APR13.50%
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 credit card score, in each area where it has branches
Every rate
Current credit card rates
Rates from the credit union’s website. Most are “as low as” rates for the best credit; yours depends on your credit.
VISA Credit Card
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 13.50% | None | Low fixed percentage rate (13.5%); No Annual Fee; No monthly service charge |
Sources (1)
- hvcu-tn.net/services · captured Oct 7, 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This may be incomplete or out of date, so check with the credit union before you apply.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.