Happy Valley

P.O. BOX 1838, Elizabethton, TN 37644

NCUA Insured3.6 (34 reviews)2 charter

Verified Information

NCUA Insured

Member-Owned

2 charter

Established in 1934

Contact this credit union directly for detailed information about membership eligibility and current rates.

Membership Eligibility

Anyone who lives, works, or worships in or around Elizabethton, TN may be eligible to join. Community credit unions are open to the general public within their service area.

Check eligibility on their website →

Verified Information

NCUA Insured — deposits protected up to $250,000

Member-Owned — not-for-profit cooperative

2 charter

Established in 1934

Contact this credit union directly for detailed information about membership eligibility, current rates, and services.

Services Offered

Auto LoansPersonal LoansChecking AccountsMortgagesBusiness LoansCredit Cards

Location & Directions

Address

P.O. BOX 1838

Elizabethton, TN 37644

Google Maps 🗺Waze

(423) 542-6078

Service Area

This credit union is located in Elizabethton and serves members in the TN area. Currently serving 3,228 members.

Membership Info:

Contact the credit union to confirm membership eligibility requirements for your area.

Note on Membership

Credit union membership is based on a common bond. Contact this credit union directly to confirm you qualify for membership.

Financial Health

Q4 2025 · NCUA

Key indicators from NCUA regulatory filings. Tap any metric to learn what it means.

Source: NCUA Federally Insured Credit Unions list, Q4 2025.

Loan Rates

Rates sourced from NCUA call report data (Q4 2025). Contact the credit union for current rates and terms.

New Auto Loan

4.85%

Used Auto Loan

6.15%

Personal Loan

10.17%

Credit Card APR

13.50%

Important: Rates are sourced from NCUA call report filings (Q4 2025) and reflect averages reported by the credit union — not guaranteed quotes. Contact the credit union directly for current rates and terms.

Your actual rate will vary based on your credit score, loan term, and financial profile. Personal loans and credit cards tend to see the most variation.

Best Rates in TN

Lowest rates currently reported by credit unions in TN (NCUA Q4 2025).

Bowater Employees— New Auto Loan

Calhoun, TN

1.99%

Select Seven— Used Auto Loan

Johnson City, TN

4.00%

Cn/Ic Employees— Personal Loan

Memphis, TN

5.00%

Tennessee Employees— Credit Card APR

Nashville, TN

7.90%

Rates from NCUA regulatory filings. Contact credit unions directly for current rates.

Branches & Locations(4 total)

Member Reviews

3.6

34 Google reviews

Reviews sourced from Google Maps. Ratings reflect member experiences at this credit union.

View on Google Maps

Claude Grindstaff

4 months ago

Wife and I went to happy valley credit union for a lone on a truck and Larissa Davis and staff it was a very nice experience very fast and professional been going to happy valley for years and it's a great business experience

Crystal Hoilman

10 months ago

Had a fraudulent charges on my debit card and they told me it wasn't fraud because it was verified. I asked numerous times for the information leading them to this and I asked for the information where the location of this was at but never got any answers I also asked if I could to speak to the visa person that supposedly denied my dispute even after they already approved one of the transactions and didn't take my money out for that. I will definitely be taking my business elsewhere

Sarah Poole

5 years ago

This use to be a great place to bank. I have been a customer for 12 yrs and since this new system I have to run my check down alway holding it. This new system was a BIG MISTAKE. The bank tellers are great but the bank manager needs to look into this new system you will lose some customers if this keeps up!!!!!!

Angela Lipps

a year ago

I bank here it has good and bad days stays quite and they are one of the oldest places around to bank at .Our money is fdic insured also .All together good place to bank!

Cody Braswell

4 years ago

This is my family bank. Couldn't ask for no better service or people here. I absolutely love the workers. They always made sure I was taken care of and when I had questions they actually cared and answered to the best of there knowledge. This is my very first bank and I'm positive it's going to be only one.