Business Details
50+ Years
experience
Your Trusted Financial Partner in Elizabethton, TN
Established in 1933, Happy Valley Credit Union has served Carter County, Tennessee, and surrounding areas for over nine decades. Originally chartered to serve employees of NARC & Bemberg, we expanded through strategic mergers with Thor Power Tool Credit Union, Carter County Memorial Hospital Credit Union, and Inland Container Credit Union. Our field of membership now includes residents, workers, and worshippers in designated census tracts, as well as employees of partner organizations and family members of existing members. As a not-for-profit cooperative, we prioritize member needs over profit motives, reinvesting earnings to improve services and offer competitive financial products. Our board of directors, elected by members, ensures our operations align with community needs and financial best practices.We provide personalized service through a range of products including savings and checking accounts, VISA credit and debit cards, auto and mortgage loans, and specialized savings programs like Christmas Club accounts. Our commitment to financial education extends to youth programs that teach responsible money management. With convenient branch hours, online banking, and a network of shared ATMs, we combine traditional values with modern financial tools. Our team of experienced professionals delivers tailored solutions for both personal and business banking needs. For 80+ years, we have remained dedicated to the principle of 'People helping People' while maintaining a strong focus on community development and member satisfaction.
Services
Savings Accounts
Checking Accounts
Auto Loans
Mortgage Loans
VISA Credit Cards
Debit Cards
Online Banking
Mobile Banking
Christmas Club Accounts
Specialty Savings
Details
- Year established: 1933
Highlights and features
- We have served Carter County communities for over 90 years with personalized financial solutions.
- Our not-for-profit structure returns value directly to members through better rates and lower fees.
- We offer specialized programs like youth savings accounts and holiday savings plans.
- Our local decision-making ensures faster loan approvals and community-focused policies.
- We maintain a robust network of shared ATMs and modern digital banking tools.
Services
Auto Loans
We provide competitive auto loans for new and used vehicle purchases. Our loan officers guide members through financing options with flexible terms and low rates. This service helps members achieve vehicle ownership while maintaining financial stability.
Mortgage Loans
Our mortgage loan program offers fixed and adjustable-rate options for home purchases and refinancing. With local underwriting and personalized service, we help members navigate the home financing process efficiently and affordably.
Savings Accounts
We offer various savings accounts including standard share accounts, Christmas Club savings, and vacation savings plans. These accounts help members build financial security with competitive interest rates and flexible access.
VISA Credit Cards
Our VISA credit cards provide rewards programs, fraud protection, and competitive rates. Cardholders earn points on purchases redeemable for merchandise, travel, and gift cards through our rewards platform.
Online Banking
Our online banking platform enables 24/7 account access for bill payment, transfers, and transaction monitoring. The service includes mobile banking apps with features like mobile check deposit and real-time account alerts.
People
Carrie Harrison
Interim CEO
Carrie Harrison leads Happy Valley Credit Union as Interim CEO with over two decades of financial services experience. She oversees strategic operations and member services while managing investment programs.
Lisa Blevins
Accountant
Lisa Blevins manages accounting operations and payroll processing at Happy Valley Credit Union. She ensures accurate financial reporting and handles direct deposit programs for member businesses.
Larissa Davis
VISA Credit Cards
Larissa Davis specializes in credit card services and loan processing at Happy Valley Credit Union. She assists members with VISA product applications and manages credit evaluation procedures.
Questions
How do I become a member?
Join by living, working, or worshipping in Carter County census tracts, through employer groups, or as a family member of existing members. Open a share account with $5.
What loan types are available?
We offer auto loans, mortgage loans, personal loans, and specialty financing options with competitive rates for qualified members.
How do I report a lost debit card?
Call (423) 542-6078 during business hours or use the 24/7 card blocking service at 800-417-8715 to report lost or stolen cards.
Can I customize my PIN?
Yes, call 800-992-3808 to change your debit card PIN using automated verification with your account information.
Do you offer international transaction support?
We block international transactions by default for security. Contact us at (423) 542-6078 to temporarily enable transactions outside the U.S.
What savings programs exist?
We provide Christmas Club accounts, vacation savings plans, and standard share accounts with tiered interest rates for different savings goals.
Reviews (6)
Cody Braswell
Dec 31, 2021
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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.
Google User
Jun 03, 2021
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This place has been steadily going downhill since the passing of the long time CEO in August 2020. The new CEO has come in and completely changed all the policies and procedures. She is hateful to the employees and the customers. Several long time employees have retired or flat out quit because of her actions. It used to be a friendly, fun place to bank, but now I dread even going in to do my banking.
They aren't friendly anymore. Example...I went to the window of one the newer tellers, I said "Good Morning" to her and she rolled her eyes at me. I am in the process of moving my accounts to another
They aren't friendly anymore. Example...I went to the window of one the newer tellers, I said "Good Morning" to her and she rolled her eyes at me. I am in the process of moving my accounts to another
Sarah Poole
Mar 01, 2021
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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!!!!!!
J. Republican
Feb 03, 2021
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Im sorry but the young lady that sits on the desk to the left as soon as you walk through the door is so rude. I almost cancelled my account if it wasnt for the nice ladys at the front of the bank overall experience was good but that one young girl left a bad mark on their business
Lil Brittle
Nov 02, 2020
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The best customer service. I have had an account with them for over a decade. Just takes a phone call, they will help take care of almost any problem.
Carrie Bouthillier
Jul 16, 2020
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Would give no stars if it allowed. Refused to give me a debit card for my checking account even though I had paperwork to prove the issues were not mine. Gave me a checking account as a "trial run," like I was a teenager. I've had a debit card many years. Rude staff. DO NOT USE THIS CREDIT UNION.
