Happy Valley Credit Union Elizabethton TN | Affordable Vehicle Loans & Business Banking

Introduction

Welcome to Happy Valley Credit Union, where your financial well-being is our top priority! Located at 210 E C St, Elizabethton, TN 37643, we have been proudly serving our community since 1933. With a strong commitment to our members and a vision for a brighter financial future, we invite you to discover what sets us apart. As a trusted financial partner for over 3,400 members, we boast total assets of $36,831,097 and total deposits reaching $2,203,168. Our dedicated team of eight employees, led by CEO Tonya Jeffers and Board President Sonja Culler, works tirelessly to provide personalized service that meets the unique needs of each member. We offer a wide range of services including checking and savings accounts, auto loans, mortgage financing, and more all designed with your success in mind. At Happy Valley Credit Union, we understand that each member's journey is different. That's why we maintain a robust loan portfolio with a total of 1,359 loans and leases, ensuring that you have access to the funds you need when you need them. Additionally, with a net worth of $6,418,086, we are well-positioned to support your financial goals. While members can visit us at our branch location for friendly assistance or to use our ATM and drive-thru services, any official correspondence should be sent to our mailing address: P.O. Box 1838, Elizabethton, TN 37644. We believe in giving back to our community and helping our members thrive financially. Whether you're looking to open an account or explore loan options, we're here for you every step of the way. Don't hesitate to reach out! Give us a call at 423-542-6078, or visit us online at Happy Valley Credit Union to learn more about how we can assist you. Join us today and become part of the Happy Valley family where your dreams are within reach!

Branch History & Mission

Join Us

While members can visit us at 210 E C St for all your banking needs, official correspondence should be sent to P.O. Box 1838, Elizabethton, TN 37644 if needed. Whether you're looking for personal banking options or business solutions like merchant services and business loans, we invite you to explore what Happy Valley Credit Union has to offer. Join us today and experience the difference of being part of a credit union that truly cares about its members and the wider community! For any inquiries or further information about joining us, feel free to call us at (423) 542-6078 or visit our website at Happy Valley Credit Union. Together, let's build a brighter financial future!

Our Journey

Happy Valley Credit Union began with a simple vision: to provide accessible financial services to everyone in our community. Over the decades, we have grown alongside our members, adapting to their needs and the changing economic landscape. Our total assets have reached an impressive $36,831,097, which reflects not only our growth but also our commitment to responsible management and service excellence. From humble beginnings, we've embraced technology while maintaining our core values of personal service and community focus. Today, we offer a wide range of products including checking and savings accounts, auto loans, mortgages, and credit cards with rewards all designed with you in mind. We are dedicated to ensuring that every member feels valued and supported on their financial journey.

Our Mission

At Happy Valley Credit Union, our mission is clear: we aim to provide exceptional financial services while fostering a strong sense of community. We understand that banking is about more than just transactions; it's about building relationships and supporting one another. That's why we prioritize community outreach through various initiatives designed to uplift those around us. We are committed to making banking easy for everyone. With features like online banking and mobile payments available to our members, managing your finances has never been simpler. Plus, for those who prefer face-to-face interactions or need assistance with basic transactions, we offer drive-thru banking for added convenience during our operating hours from Monday through Friday from 8 a.m. to 5 p.m.

Branch Location & Accessibility

Accessibility and Features

At Happy Valley Credit Union, we believe that banking should be convenient for everyone. Our branch is equipped with ADA-compliant features, including ramps for easy access. For those driving in, you'll find ample parking available right outside our doors. We also offer a drive-thru banking option for your convenience, making it easy to manage your banking needs without leaving your car.

Connect With Us

Have questions or want to learn more about how we can help you achieve your financial goals? Don't hesitate to give us a call at 423-542-6078. We can't wait to welcome you into our community!

Operating Hours

We are here for you during the week from Monday to Friday, with lobby hours from 8 a.m. to 5 p.m. This means you can stop by before or after work or on your lunch break to take care of all your banking needs.

Services Available

Happy Valley Credit Union provides a wide range of services tailored just for you! From checking and savings accounts to auto loans and mortgage refinancing, we have everything covered. Need quick cash? Our ATM is available for withdrawals and balance checks whenever you need it. Plus, our friendly staff is always ready to assist with personal loans or credit card options that come with rewards! While members can visit us at 210 E C St, official correspondence should be sent to P.O. Box 1838, Elizabethton, TN 37644.

Member Eligibility

At Happy Valley, we believe that everyone deserves a place in our community, and becoming a member is a warm and welcoming process. If you're looking to join us, you'll be pleased to know that eligibility is open to individuals who live, work, worship, or attend school in the Carter County area. This means you could be part of a supportive network focused on your financial well-being right here at our branch located at 210 E C St Elizabethton Tn 37643. Not only do you gain access to tailored financial products like personal loans, mortgages, and savings accounts, but you also become part of a community that prioritizes your needs. Joining Happy Valley is simple! You can find more details about eligibility and the application process by visiting our website at . If you're ready to take the next step or have any questions, feel free to call us at (423) 542-6078. We're here to help you every step of the way!

Business Banking & Commercial Services

Merchant Services That Work for You

Our merchant services make it easy for you to accept payments from customers. Picture this: a customer walks into your store, makes a purchase, and completes their transaction quickly and securely. This not only enhances their experience but also helps you manage sales efficiently. Whether you're looking for financing options or reliable payment processing, Happy Valley is here to help your business thrive. Visit us at 210 E C St Elizabethton Tn 37643 in Elizabethton, TN or call us at (423) 542-6078 to learn more about how we can support your journey!

Tailored Loan Options

Imagine having the capital to invest in new equipment, hire additional staff, or even open a new location. Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs: - We've funded over $0 in commercial loans for our members, helping businesses scale and succeed. - We also support the broader business community with $0 in non-member commercial loans, providing flexible financing solutions. - With an outstanding commercial loan portfolio of $0, we continue to drive economic growth by financing new and expanding businesses.

Comprehensive List Of Services

Accessibility and Support

Our friendly staff is ready to assist you during lobby hours from Monday to Friday, 8 a.m. to 5 p.m., at our branch located at 210 E C St Elizabethton Tn 37643. For quick inquiries or assistance while on the go, feel free to call us at (423) 542-6078. At Happy Valley, we are dedicated to helping you achieve your financial goals through personalized service and innovative solutions. Explore all that we offer by visiting us online or stopping by our branch today! For more information about opening an account or learning more about our services, visit us at our website. Your financial journey starts here!

Convenient Digital Banking

To make banking as convenient as possible, we have embraced technology with robust Online & Mobile Banking platforms. You can easily access your accounts anytime, anywhere from your smartphone or computer. Our ATM & Cash Withdrawal Services ensure that you have access to your money when you need it most, along with basic drive-thru banking for quick transactions like deposits and withdrawals.

Credit Cards and Business Banking

Our members enjoy great rewards through our Credit Cards with Rewards, making everyday purchases even more beneficial. And if you're a business owner, you'll find value in our Business Banking offerings which include Merchant Services & Business Loans supporting your growth every step of the way.

Personal Banking

Starting with our Personal Banking services, we offer various Checking & Savings Accounts tailored for every lifestyle. Whether you're saving for a dream vacation or managing everyday expenses, our accounts come with features that make banking easier and more rewarding. For those considering larger purchases, our Auto Loans & Vehicle Financing options allow you to drive away in your new car without the hassle. If you're in need of a home, our Mortgage Loans & Refinancing services can help you secure the best rates available. We also provide Personal Loans & Debt Consolidation options to assist with unexpected expenses or to help simplify your financial commitments into one manageable payment.

Digital & Online Banking

Easy Access Anytime, Anywhere

Our online banking platform is available 24/7, allowing you to check your account balances, pay bills, and transfer funds from the comfort of your home or on the go. You can dive into our services by visiting https://www.hvcu-tn.com/ . Whether it's day or night, managing your money has never been easier.

Mobile Application for On-the-Go Banking

For those who prefer banking at their fingertips, our mobile application is here to help. Available for download, it offers a user-friendly experience that makes transactions simple and fast. You can even make mobile payments directly through the app, making shopping and bill payments more convenient than ever.

Secure and User-Friendly Experience

At Happy Valley, we prioritize your security while providing an intuitive banking experience. Our digital services are built with strong encryption protocols to protect your information, giving you peace of mind as you manage your finances online. Embrace the ease of banking with us! For more details on all our digital offerings, visit https://www.hvcu-tn.com/ today and take advantage of everything Happy Valley has to offer!

Stay in Control with Real-Time Management

With person-to-person transfers, sending money to friends or family is quick and straightforward. Plus, you can opt for e-statements to keep track of your financial activities without the clutter of paper statements. Our platform also provides electronic signature authorization for easy document handling no need for printing or mailing.

Financial Strength

A Dedicated Team at Your Service

We also take pride in having 7 full-time employees and 1 part-time employees ready to assist you. This knowledgeable team ensures that every visit or call is met with expertise and a friendly attitude.

Building Trust Through Transparency

Net Shares (Funds available for lending and investments): $0. Total Share Accounts: 4,720, showing a strong and growing member base that trusts us with their finances. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, Happy Valley is your trusted partner. Visit us at 210 E C St Elizabethton Tn 37643 or call (423) 542-6078 to learn more about how we can help you achieve your financial goals.

Member-Centric Savings Options

Members' savings are secured through $4,598,913 in share certificates, offering stable and rewarding financial growth opportunities. This commitment to secure and beneficial savings options shows our dedication to helping you grow your wealth. Unlike traditional banks, we prioritize our members. With non-member deposits at $0, we ensure that our resources are focused on benefiting you through better loan rates, lower fees, and exclusive perks.

Our Financial Health

With a net worth of $6,418,086, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of $1,743 demonstrates a solid capital foundation, ensuring that we can continue providing loans, competitive savings rates, and uninterrupted services even in uncertain economic times.

Reinvesting in Your Future

With $5,990,637 in undivided earnings, we reinvest in innovative banking tools, stronger lending options, and enhanced security measures to serve our members better. This means more ways for you to achieve your financial goals with confidence. Our lending capacity supports members' financial goals across various sectors, with $333 in used auto loans and $9,225,832 in total loans and leases available for your needs. Additionally, our $427,449 reflects our operational efficiency, enabling us to continue offering competitive loan rates and solid financial products for our members.

Loan Offering

Auto Loans

Looking to buy a new car? Our auto loans provide some of the lowest rates in the industry, with over $4,212,298 in used vehicle loans and $1,939,101 in new vehicle loans already helping members get on the road. We offer flexible terms and quick approval processes to get you driving your new vehicle sooner.

Credit Lines and Unsecured Loans

In addition to auto and mortgage loans, we offer competitive credit lines totaling $1,000,000. This gives you access to funds when you need them most without the hassle of applying for a new loan each time. We also provide flexible terms on unsecured credit card loans, with a total of $262,850 in loans helping members manage their finances effectively. These cards come with benefits that can enhance your everyday spending. If you're considering refinancing any of your current loans or are unsure about eligibility options, our team is here to guide you through the process and find the best solutions available. For more information about our loan offerings or to start your application today, please give us a call at 423-542-6078 or visit our website at Happy Valley Credit Union. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov , based on the latest results. Let us help you take the next step toward achieving your financial dreams!

Mortgage Loans

Thinking about homeownership? Our mortgage options, including Junior Lien 1-4 Family Residential Properties loans totaling $266,307, make buying or refinancing simple. We work closely with you to find a plan that fits your budget and lifestyle.

Loan Aggregator

Accurate Loan Comparisons

Loan data on LendMesh is sourced directly from banks and credit unions that comply with National Credit Union Administration (NCUA) lending standards, based on the latest results (Source: https://www.ncua.gov ). This ensures fair and transparent offers, giving users peace of mind knowing they are comparing legitimate rates.

Benefits of Using LendMesh

- Verified Data: Loan offers are sourced from legitimate financial institutions, ensuring transparency. This means users can trust that the information they see reflects real lending opportunities. - No Sponsored Listings: LendMesh does not prioritize lenders based on paid promotions our goal is to provide unbiased results. Users receive a straightforward comparison without hidden agendas influencing their choices. - Real-Time Rate Comparisons: Up-to-date loan rates from multiple institutions help users make informed decisions quickly. With constant updates, you can be confident that you're viewing current offers. Thousands of users trust LendMesh for loan comparisons. One member shared: "LendMesh helped me find a lower mortgage rate in minutes, saving me thousands over the loan term!" Such testimonials highlight how effective LendMesh can be in navigating the complex world of loans. Compare real-time loan offers today at LendMesh and find the best rates for your needs. *Disclaimer: Loan approvals and interest rates are subject to creditworthiness, income verification, and applicable federal and state regulations. Rates may vary based on financial institution guidelines.*

HAPPY VALLEY CREDIT UNION - Elizabethton, TN