Business Details
50+ Years
experience
Emergency
services
Your Trusted Financial Partner in Elizabethton, TN
Happy Valley Credit Union was established in 1933 to serve employees of NARC & Bemberg, evolving through strategic mergers while maintaining a community-focused mission. We operate as a not-for-profit financial cooperative, prioritizing member needs through personalized service and competitive financial products. Our board of directors ensures member voices shape our direction, reflecting our core principle of 'people helping people.' With over 80 years of local expertise, we offer savings and checking accounts, loans, credit cards, and insurance services tailored to individual and business needs. Our commitment to financial education empowers members to make informed decisions, while our flexible membership criteria allow anyone living, working, or worshiping in Carter County, TN to join.We invest in community development through locally managed resources and transparent financial practices. Our technology-driven solutions, including mobile banking and customizable debit cards, combine convenience with security. By maintaining low membership fees and offering shared ownership benefits, we ensure members directly participate in our success. Our operating hours and dedicated staff reflect our dedication to accessible, high-quality service.
Services
Savings Accounts
Auto Loans
Mortgage Loans
Credit Cards
Online Banking
Details
- Year established: 1933
Highlights and features
- We offer 80+ years of community banking expertise in Carter County, TN
- Our not-for-profit structure returns value directly to members
- We provide personalized financial education and flexible membership options
- We maintain transparent fee structures with low $5 minimum account requirements
- Our locally managed resources support community development initiatives
Services
Auto Loans
We provide competitive auto loan options for new and used vehicle purchases. Our loan officers guide members through financing processes with flexible terms. Members benefit from personalized support and competitive interest rates tailored to individual credit profiles.
Mortgage Loans
Our mortgage loan programs support home buying and refinancing needs. We offer personalized consultations to match members with suitable home financing solutions. Competitive rates and local decision-making streamline the home ownership process.
Savings Accounts
We offer various savings solutions including Christmas Club and Vacation accounts. Members enjoy low $5 minimum opening deposits and compound interest growth. Our savings products help achieve short-term and long-term financial goals.
Credit Cards
Our VISA credit and debit cards combine security with rewards programs. Members earn points through everyday purchases with flexible redemption options. Cardholders receive 24/7 fraud monitoring and customizable spending controls.
Online Banking
Our digital platform enables account management, bill payments, and transaction monitoring 24/7. Members access mobile check deposit and real-time balance updates. The system integrates with budgeting tools for comprehensive financial oversight.
People
Carrie Harrison
Interim CEO
Carrie Harrison leads Happy Valley Credit Union with over 25 years of financial services experience. She oversees strategic operations and member relations while managing IRA and accounting services. Her leadership emphasizes community engagement and member-centric banking practices.
Lisa Blevins
Accountant
Lisa Blevins manages accounting operations and payroll deduction programs at Happy Valley Credit Union. With expertise in financial reporting, she supports members with direct deposit solutions and accounting services while maintaining regulatory compliance standards.
Larissa Davis
Loan Officer
Larissa Davis specializes in credit card services and loan programs at Happy Valley Credit Union. She assists members with financing applications and credit management while ensuring personalized support for new account holders.
Questions
How can I become a member?
Membership is open to anyone living, working, or worshiping in Carter County, TN. Simply complete a membership form and open a share account with a $5 minimum deposit.
What loan types do you offer?
We provide auto loans, mortgage loans, and consumer loans with personalized financing options. Our loan officers help members choose appropriate terms and documentation requirements.
How do international transactions work?
International transactions are blocked by default for security. Contact us during business hours to temporarily unblock your card for international use either in-person or online.
What digital banking features are available?
Our online platform offers mobile check deposit, bill payment, account transfers, and real-time transaction alerts. The mobile app provides 24/7 access to account management tools.
How are members involved in decision-making?
As a cooperative, members elect our board of directors and vote on major decisions. Your membership gives you direct influence over our policies and service offerings.
