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iAdvertiser Disclosure
Advertiser Disclosure
Some institutions listed may have a business relationship with MonitorBankRates. Our proprietary systems independently track and verify all rates. Advertiser relationships do not influence our Safety Ratings, Star Ratings, Texas Ratio calculations, or the rates shown.
 Element Federal Credit Union Rates & Review March 2026
Content reviewed by
Brian McKay
Brian McKayFounder & Data ArchitectExpertise
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
Read Full Bio →
Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
✓Fact Checked
Rates Last Updated: March 25, 2026
Element Federal Credit Union's 13 month CD special rates are at 3.50%, 4 year CD rates are at 2.50%, 5 year CD rates are at 2.50%, 2 year CD rates are at 2.25%, 3 year CD rates are at 2.25%. Element Federal Credit Union's savings rates are at 0.10%. Element Federal Credit Union's money market rates are at 1.25%. Element Federal Credit Union's Personal Loan Rates are at 11.99%. MonitorBankRates evaluates the financial stability of Element Federal Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 5.06%. Rates were last updated on 03/25/2026. Element Federal Credit Union money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at Element Federal Credit Union? Share your experience about Element Federal Credit Union by leaving a review below, or read customer reviews before you decide to use Element Federal Credit Union. Element Federal Credit Union
Kanawha City 3418 MacCorkle Ave SE
https://www.elementfcu.org Charleston, WV 25304 
Element Federal Credit Union CD Rates
Element Federal Credit Union Savings Rates
Element Federal Credit Union Money Market Rates
Element Federal Credit Union Checking Rates
Element Federal Credit Union Credit Card Rates
Element Federal Credit Union Personal Loan Rates
Methodology & Data SourcesMonitorBankRates Star Rating
Our rating for Element Federal Credit Union is derived from comprehensive financial data published quarterly by the NCUA. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with member feedback (user reviews) to help you make informed banking decisions.
Texas Ratio
We calculate the Texas Ratio using standard industry methodology. This ratio compares the credit union's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.
Rate Data Aggregation
We gather Element Federal Credit Union rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.
Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions.
It is always advisable to check with Element Federal Credit Union's official website for the most current offers and terms.
Credit Union Profile & Overview
Credit Union Name
Element Federal Credit Union
Website
https://www.elementfcu.org
Address
3418 MacCorkle Ave SE,
Charleston, WV 25304
Phone
304-721-4145
Fax
304-342-3147
President
Stephan Looney
CEO
Linda Bodie
Full-Time Employees
13
Part-Time Employees
5
Branch Locations
4
ATM Locations
4
NCUA Insured
✓ Yes — Up to $250,000 per depositor
FinancialsMonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A+ (97/100)
Texas Ratio
5.06%
Return on Assets (ROA)
1.3828%
Return on Equity (ROE)
11.2466%
Non-Performing Loans Ratio (NPL)
1.63%
Total Assets
81,456,446
Total Amount of Shares and Deposits
70,475,041
Total Shares and Deposits < 1 Year
66,515,543
Total Shares and Deposits 1 3 Years
3,842,509
Total Shares and Deposits > 3 Years
116,989
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
34,707,621
Total Uninsured Shares and Deposits > $250K (F+J)
36,957,621
Total Insured Shares and Deposits > $250K (item 17 less item K)
33,517,420
Total Interest Expense (Sum of items 6 8)
452,040
Share Certificates
287
Number of Accounts for Share Drafts
2,761
IRA KEOGH Accounts
75
Number of Accounts for Regular Shares
6,375
Non Member Deposits
4
Money Market Shares
88
Net Income (unless the amount is already included in Undivided Earnings)
1,126,404
Total Cash on Deposit (Amounts Deposited in Financial Institutions)
7,638,594
Total Liabilities
71,444,264
Source: NCUA — Last Updated 09/30/2025
Frequently Asked Questions About Element Federal Credit UnionIs Element Federal Credit Union a safe place to deposit money?Yes, Element Federal Credit Union is considered a safe financial institution. With a Texas Ratio of 5.0583586491394%, the institution's financial health is rated as excellent. Your accounts are federally insured by the NCUA (National Credit Union Administration) up to $250,000 per depositor, for each account ownership category. How many branches does Element Federal Credit Union operate?Element Federal Credit Union currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes. Is a member application needed to join Element Federal Credit Union?Yes, to access services at Element Federal Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations. Is there a first-time homebuyer program?Currently, Element Federal Credit Union does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing. Are credit management and repair services offered?While formal credit repair services are not currently listed, Element Federal Credit Union provides members with tools to manage their accounts and build a solid financial history. Does Element Federal Credit Union offer online and mobile banking?Most modern institutions like Element Federal Credit Union provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.elementfcu.org. Current Element Federal Credit Union Rates
Retrieved from our database of financial products. Rates subject to change.
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