|
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 November 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 and Verified: October 29, 2026
Element Federal Credit Union's 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%, 1 Year CD rates are at 2.00%. Element Federal Credit Union's savings rates are at 2.49%. Element Federal Credit Union's money market rates are at 2.25%. Element Federal Credit Union's checking rates are as high as 1.60%. Element Federal Credit Union's Personal Loan Rates are as low as 11.99%. Element Federal Credit Union's Credit Card Rates are at 11.99%. Element Federal Credit Union's CD rates are 29% lower than the MonitorBankRates national average, and it has an A+ health rating. 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 3.70%. Rates last updated and verified on 10/29/2026. 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  Customer Reviews
Be the first to review
Write a Review
Financial health data as of Q2 2026 (NCUA 5300 call report for the quarter ended June 30, 2026). This is the most recent call report available. The NCUA publishes credit union call reports about ten weeks after each quarter ends. 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 Auto Loan Rates
Element Federal Credit Union RV, Boat and Powersport Loan Rates
Element Federal Credit Union Credit Card Rates
Element Federal Credit Union Personal Loan Rates
Element Federal Credit Union Other Rates
Financial Health HistoryElement Federal Credit Union’s Texas Ratio rose from 1.14% in Q3 2023 to 3.70% in Q2 2026, so its financial health has stayed very strong over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. Lower Texas Ratios are healthier; the green zone below the amber 15% line is where a credit union must stay to qualify for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures. Swipe the chart sideways to see every quarter.
Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade15% Verified Healthy limit (green zone below = healthy)
Powered by
MonitorBankRates
How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops. Show the quarterly figures
Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.
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
12
Part-Time Employees
7
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+ (98/100)
Texas Ratio
3.70%
Return on Assets (ROA)
0.4512%
Return on Equity (ROE)
2.0690%
Non-Performing Loans Ratio (NPL)
1.38%
Total Assets
47,250,057
Total Amount of Shares and Deposits
36,583,223
Total Shares and Deposits < 1 Year
35,121,079
Total Shares and Deposits 1 3 Years
1,383,236
Total Shares and Deposits > 3 Years
78,908
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
1,513,682
Total Uninsured Shares and Deposits > $250K (F+J)
1,513,682
Total Insured Shares and Deposits > $250K (item 17 less item K)
35,069,541
Total Interest Expense (Sum of items 6 8)
299,555
Share Certificates
322
Number of Accounts for Share Drafts
2,794
IRA KEOGH Accounts
74
Number of Accounts for Regular Shares
6,398
Non Member Deposits
4
Money Market Shares
89
Net Income (unless the amount is already included in Undivided Earnings)
213,170
Net Worth Classification if credit union is not new (Based upon Call Report data only See instructions)
Well Capitalized
Net Worth Classification if credit union is a new credit union
Well Capitalized
Total Cash on Deposit (Amounts Deposited in Financial Institutions)
7,830,394
Total Liabilities
36,947,216
Source: NCUA — Last Updated 06/30/2026
Customer Reviews
There are no reviews for Element Federal Credit Union yet. Feel free to create one below.
Looking for more bank and credit union reviews?
Visit our Community Reviews hub to read what other members are saying, ask questions, and join the conversation.
Add Your Rating and Review for Element Federal Credit Union
Frequently Asked Questions About Element Federal Credit UnionDoes Element Federal Credit Union offer CDs?Yes. Element Federal Credit Union current CD rates include its 4 Year CD at 2.50% APY, its 5 Year CD at 2.50% APY and its 2 Year CD at 2.25% APY, verified by MonitorBankRates as of October 29, 2026. Are CDs from Element Federal Credit Union NCUA insured?Yes. Element Federal Credit Union is insured by the National Credit Union Administration (NCUA), so CDs opened there are insured up to $250,000 per depositor, per ownership category. What is the highest CD rate at Element Federal Credit Union?The highest Element Federal Credit Union CD rate is its 13 Month CD Special at 3.50% APY, verified by MonitorBankRates as of October 29, 2026. What CD terms does Element Federal Credit Union offer?Element Federal Credit Union CD rates are 2.00% APY for a 12 month CD, 2.25% APY for a 2 year CD, 2.25% APY for a 3 year CD, 2.50% APY for a 4 year CD and 2.50% APY for a 5 year CD, verified by MonitorBankRates as of October 29, 2026. The institution may offer other terms or specials that are not listed here, so check with Element Federal Credit Union for its full lineup. What is the highest savings rate at Element Federal Credit Union?The highest Element Federal Credit Union savings rate is its Higher Rate Savings Account at 2.49% APY, verified by MonitorBankRates as of October 29, 2026. What is the highest money market rate at Element Federal Credit Union?The highest Element Federal Credit Union money market rate is its Higher Yield Money Market at 2.25% APY, verified by MonitorBankRates as of October 29, 2026. What is the highest checking rate at Element Federal Credit Union?The highest Element Federal Credit Union checking rate is its The Best Nonprofit Checking Account at 1.60% APY, verified by MonitorBankRates as of October 29, 2026. What is the lowest auto loan rate at Element Federal Credit Union?The lowest Element Federal Credit Union auto loan rate is its New/Used Autos at 5.24% APR, verified by MonitorBankRates as of October 29, 2026. What is the lowest personal loan rate at Element Federal Credit Union?The lowest Element Federal Credit Union personal loan rate is its LOC & Personal Loans at 11.99% APR, verified by MonitorBankRates as of October 29, 2026. What is the lowest credit card APR at Element Federal Credit Union?The lowest Element Federal Credit Union credit card APR is its MasterCard Credit Card at 11.99% APR, verified by MonitorBankRates as of October 29, 2026. 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. Are all CD rates listed on MonitorBankRates federally insured?Most are. Banks are insured by the FDIC and most credit unions by the NCUA, up to $250,000 per depositor, per ownership category. A small number of credit unions are privately insured instead, and we label them on their pages. MonitorBankRates is not a bank or credit union; deposit insurance comes from the institution where you open the account. I want to open a CD with an institution listed on MonitorBankRates. How do I open the account?You open the account directly with the bank or credit union. Use the View button next to a rate to go to the institution's website, then apply online, by phone or at a branch. Credit unions require membership, so you may need to join first. Confirm the current rate and terms with the institution before you deposit. If I open a CD I found on MonitorBankRates, is my account with MonitorBankRates or the institution?Your account is with the financial institution. MonitorBankRates is a rate comparison site; we do not open accounts, hold deposits or handle your money. Why are some CD offers not available for me to open?Some offers are limited to certain states or local areas, require membership in the credit union, need a minimum deposit, or were promotions that have since ended. Rates can also change after we verify them. The institution's website has the current eligibility rules. How do Element Federal Credit Union rates compare?Element Federal Credit Union's CD rates are 29% lower than the MonitorBankRates national average, and it has an A+ health rating. Element Federal Credit Union's top rates are its 13 Month CD Special at 3.50% APY, its Higher Rate Savings Account at 2.49% APY, its Higher Yield Money Market at 2.25% APY, its The Best Nonprofit Checking Account at 1.60% APY, its LOC & Personal Loans at 11.99% APR and its MasterCard Credit Card at 11.99% APR, verified by MonitorBankRates on October 29, 2026. Current Element Federal Credit Union Rates
Retrieved from our database of financial products. Rates subject to change.
Compare to Other Credit Unions
Downey Federal Credit Union
Brunswick County Teachers Federal Credit Union
Unison Credit Union
Four Seasons Federal Credit Union
NuMark Credit Union
Niagaras Choice Credit Union
Advanced Financial Federal Credit Union
SP Trainmen Federal Credit Union
Communitywide Federal Credit Union
CPM Federal Credit Union
Jefferson Credit Union
State Farm Federal Credit Union
GPO Federal Credit Union
Precision Federal Credit Union
Great Meadow Federal Credit Union
DuPont Community Credit Union
Commonwealth One Federal Credit Union
Meadowland Credit Union
UFCW Local 1776 Federal Credit Union
North Shore Federal Credit Union
State Department Federal Credit Union
|
|||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
