Element Federal Credit Union is a member-owned financial cooperative serving residents and employees within its designated field of membership in Charleston, West Virginia, and surrounding communities. Established to provide accessible financial services, the organization emphasizes democratic governance by its members, with a supervisory framework designed to ensure accountability and prudent management. Its history reflects a transition from small, locally focused savings and loan activities to a broader credit union model that prioritizes cooperative principles, member education, and community engagement.
The credit union offers a range of financial products and services aligned with the cooperative ethos, including savings accounts, share certificates, and loan products designed to meet everyday needs and long-term goals. Operationally, Element Federal Credit Union maintains a member-centric approach, operating through member deposits, internal lending practices, and centralized administrative functions. Its scope encompasses fiduciary responsibilities, regulatory compliance, risk management, and ongoing efforts to uphold financial stability for its membership while supporting local economic activity.
Better than 92% of providers in Charleston
In addition to the primary service, Element Federal Credit Union also offers:
Element Federal Credit Union is a verified financial service provider. This means we have confirmed their business information, contact details, and they have received customer reviews. You can trust this provider for your financial needs.
Find answers to common questions
Element Federal Credit Union is listed as a financial service provider in Charleston, WV and must follow both state and federal regulations that apply to this type of business. As with any financial provider, you should review the agreement carefully before signing, make sure you understand all fees and repayment terms, and only use official contact details from this page or the company's own website. Avoid sharing personal or payment information with anyone who contacts you unexpectedly and, if something seems unclear, ask Element Federal Credit Union to explain the terms in writing before you proceed.
To improve your chances of getting better terms from Element Federal Credit Union, be prepared with accurate information about your income, existing debts, and the amount you really need to borrow. If possible, check your credit history in advance, avoid late payments on other accounts, and consider offering collateral if the product allows it, as stronger overall finances can help you qualify for more favorable rates or fees. It's also a good idea to compare Element Federal Credit Union with other providers in Charleston and to ask directly about any current promotions, loyalty benefits, or ways to reduce the total cost of your loan.
Element Federal Credit Union has a rating of 5.0, which is better than 92% of providers in Charleston.
Requirements can vary by product, but for most visits you should be ready to bring a valid government-issued ID, proof of income (such as recent pay stubs or bank statements), and proof of address like a utility bill or lease. If you are applying for a title or secured loan, you may also need the vehicle title, registration, and insurance details, along with any other documents Element Federal Credit Union requests. It is always best to call ahead using the phone number on this page so Element Federal Credit Union can confirm exactly which documents you need for your specific situation.
In addition to its primary service, Element Federal Credit Union also offers: Credit union, Bank.