Credit union · NCUA insured
Happy Valley Credit Union Savings Rates
Happy Valley Credit Union’s best savings rate is 0.20% APY on $10,000, with its Share Account (Savings). Rates checked October 15, 2026.
How Happy Valley Credit Union’s savings 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
0.20%APY
- Minimum
- —
- Earns on $10,000 a year
- $20
Share Account (Savings)
Top rate
Knoxville TVA Employees Credit Union
4.28%APY
- Minimum
- $0
- Earns on $10,000 a year
- $428
2nd-highest rate
TEN Credit Union
1.50%APY
- Minimum
- $2,500
- Earns on $10,000 a year
- $150
Happy Valley Credit Union savings score
69
Savings score
Higher than 23% of U.S. banks and credit unions
- $1,000 balance$1,0000.20%
- $10,000 balance$10,0000.20%
- $100,000 balance$100,0000.20%
- QualifiedQualified0.20%
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 savings score, in each area where it has branches
Every rate
Current savings rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
Share Account (Savings)
0.20%APY
Membership Shares with a $5.00 minimum balance earn dividends paid quarterly.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $5 and upDividends paid quarterly with a $5.00 minimum balance.$5 and up | 0.20% | $20 | Dividends paid quarterly with a $5.00 minimum balance. |
Special-purpose accounts
IRA's
0.25%APY
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Any balance | 0.25% | $25 |
Sources (1)
- hvcu-tn.com/rates · captured Sep 18, 2026
Christmas Club
0.20%APY
Dividends are paid quarterly at the same rate as a regular share savings account. Checks are issued the first of October.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceDividends are paid quarterly at the same rate as a regular share savings account. Checks are issued the first of October.Any balance | 0.20% | $20 | Dividends are paid quarterly at the same rate as a regular share savings account. Checks are issued the first of October. |
Vacation Club / Special Savings
0.20%APY
Dividends are paid quarterly at the same rate as a regular share savings account.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceDividends are paid quarterly at the same rate as a regular share savings account.Any balance | 0.20% | $20 | Dividends are paid quarterly at the same rate as a regular share savings account. |
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.