Auto loans available from 4.25% APR. Personal loan rates from 6.99% APR. Credit card rates from 13.5% APR.
Source: RateAPI.dev, verified from Happy Valley's official website
Membership eligibility from Happy Valley's own published criteria. How we verify this.
Community charter: live/work in Carter, TN
Cost to join: About $5.25 (a $0.25 membership fee plus a $5 minimum deposit).
Verified from Happy Valley's membership page. Final membership determination is always made by the credit union.
Rates as of July 24, 2026
Rates as of July 24, 2026
Rates as of July 24, 2026
Rates as of July 24, 2026
Happy Valley currently offers auto loan, personal loan, and credit card rates. The rates shown on this page were last verified July 24, 2026 directly from the credit union's official website.
RateAPI verifies Happy Valley's rates daily by scraping its official website, then normalizing the data. The figures on this page were last verified July 24, 2026.
Rate data is collected directly from Happy Valley's official website. RateAPI has no pay-to-rank incentives; see the methodology page for how rates are collected and normalized.
As of July 24, 2026, Happy Valley offers auto loans from 4.25% APR.
Compare Happy Valley's rates against national credit-union benchmarks.
Rate data is scraped directly from the credit union's official website and verified daily by our automated systems.
View Original SourceLearn how we collect, normalize, and verify rate data with full transparency and no pay-to-rank incentives.
View MethodologyGet a free API key to query these rates programmatically, or get the daily email when Tennessee credit union rates move.
Access this data programmatically with our REST API
# Get rates for Happy Valley
curl "https://api.rateapi.dev/credit-unions/tennessee/happy-valley" \
-H "Authorization: Bearer YOUR_API_KEY"