Services
Happy Valley Credit Union »
Share (Savings) Account Dividend Bearing
Whether you just need a place to stash your cash short-term or you’re looking for a long-term investment, Happy Valley Credit Union has what you need. Savings Account – Membership Shares with a $5.00 minimum balance earn dividends paid quarterly.
Share Draft Checking
A $1.50 Security/ID Fee will be charged monthly to provide protection against identity theft. You may write as many share drafts/checks as your account balance will support with no extra charge.
When opening your checking account, you can receive a Debit Card immediately for activation and use the next day.
Qualified applicants are also eligible for $500 overdraft privileges
VISA Credit Card
Shopping—Business—Travel—Entertainment
With your VISA card, convenience is at your fingertips…
You will enjoy shopping, dining, and traveling everywhere from across the street to around the world. With your VISA card on-line purchases are a breeze! Convenience and security are yours whenever and wherever you use your VISA card.
In business and pleasure, your VISA card will make life easier…
No Annual Fee
No monthly service charge
Cash advances
Low fixed percentage rate (13.5%)
Make the VISA card from Happy Valley Credit Union your card of choice.
For more information, contact:
Larissa Davis- ldavis@hvcu-tn.netÂ
To access your VISA Credit Card online, click here.
VISA Debit Card
A VISA Debit card provides the ultimate in freedom and flexibility with your share draft/checking account. This allows you access to your share draft/checking account 24 hours a day, seven days a week, even when the Credit Union is closed. This card can be utilized in lieu of writing checks at any establishment that honors VISA and at thousands of Automated Teller Machines (ATM).
Christmas Club Savings Account Dividend-Bearing
Enjoy the holidays to the fullest using your Christmas Club Savings account. Be prepared for the holidays and not be surprised by the after-Christmas bills. You decide how much to tuck away throughout the year. Dividends are paid quarterly on Christmas Club Savings accounts at the same rate as a regular share savings account. Checks are issued the first of October.
Vacation/Special Savings Account Dividend Bearing
Open up a special savings account for an upcoming dream vacation or other any other purpose. You decide how much to tuck away throughout the year. Dividends are paid quarterly at the same rate as a regular share savings account.
Online Banking
Access your account online at
https://hvcu-tn-dn.financial-net.com/web
Share Certificate of Deposit 6-7-12-18-24 months
Share Certificates of Deposit are designed for the serious saver. A CD allows you to lock in a higher interest rate for a fixed period of time. Interest is paid at maturity.
A minimum investment of $1,000 is required.
Loans
Vehicle
Finding the right vehicle can be hard, but getting a loan shouldn’t have to be. At Happy Valley Credit Union, you can rest easy knowing that we are working hard to get you the best rates, flexible terms, and quick processing. There are many advantages to financing your vehicle at Happy Valley Credit Union:
✔ Competitive fixed rates.
✔ Loans can be pre-approved, giving you more buying power.
✔ Guaranteed Asset Protection (GAP) insurance is available to protect you against theft or total loss of your vehicle in the event your loan is greater than the amount paid by your auto insurance.
✔ Payments can be made through payroll deductions, automatic transfers, or online.
Recreation
Whether you’re in the market for an RV, boat, or motorcycle, Happy Valley Credit Union has an affordable financing option for you. Our recreation Loans offer:
✔ Competitive Rates
Signature
Happy Valley Credit Union can provide you with the cash you need fast! A Signature Loan is an unsecured personal loan. You can borrow on the strength of your credit alone with no collateral necessary. Signature loans can be used for:
✔ Debt Consolidation
✔ Home Repairs or Improvements
✔ Unexpected Expenses
We make loans easy and affordable with competitive rates and quick turn-arounds. Complete our Pre-Qualification loan form below and our agents will contact you soon to discuss your request.
Auto Loans
Purchasing a new or used vehicle can be stressful. Let one of our loan officers help walk you through the process of purchasing and financing your next vehicle. We offer competitive interest rates and can help you find a vehicle that fits within your budget. We can assist you with purchasing Debt Protection that will protect your investment if you are unable to make your monthly payments. We also offer payroll deduction for automatic payments and offer other products such as GAP Insurance.