Element Credit Union
Verified rate book
Current Element Credit Union rates
15 published offers verified as of August 4, 2026.
Auto & vehicle rates
2 offers| Product | Published | Rate | Term / condition | Status |
|---|---|---|---|---|
| Used Auto Loanauto_used | 6.240% APR | 6.240% | used | Standard |
| Used RV Loanrv_used | 8.240% APR | 8.240% | used | Standard |
Personal loan rates
4 offers| Product | Published | Rate | Term / condition | Status |
|---|---|---|---|---|
| Credit Builder Loanpersonal | 5.000% APR | 5.000% | — | Standard |
| Personal Line of Creditploc_variable | 7.490% APR | 7.490% | — | Standard |
| Home Improvement Loanpersonal | 10.250% APR | 10.250% | — | Standard |
| LOC & Personal Loanpersonal_unsecured | 11.990% APR | 11.990% | — | Standard |
Credit card rates
1 offer| Product | Published | Rate | Term / condition | Status |
|---|---|---|---|---|
| Credit Cardcredit_card | 11.990% APR | 11.990% | — | Standard |
Savings & CD rates
8 offers| Product | Published | Rate | Term / condition | Status |
|---|---|---|---|---|
| Money Marketmoney_market | 1.25% APY | 1.25% | — | Standard |
| 12-Month Certificatecd_12mo | 2.00% APY | 2.00% | 12 mo | Standard |
| 36-Month Certificatecd_36mo | 2.25% APY | 2.25% | 36 mo | Standard |
| Higher Yield Money Marketmoney_market | 2.25% APY | 2.25% | — | Standard |
| 24-Month Certificatecd_24mo | 2.25% APY | 2.25% | 24 mo | Standard |
| 48-Month Certificatecd_48mo | 2.50% APY | 2.50% | 48 mo | Standard |
| 60-Month Certificatecd_60mo | 2.50% APY | 2.50% | 60 mo | Standard |
| 13-Month Certificatecd_13mo | 3.50% APY | 3.50% | 13 mo | Standard |
Vehicle loans available from 6.24% APR. Personal loan rates from 5% APR. Credit card rates from 11.99% APR. Savings and certificate yields up to 3.50% APY.
Source: RateAPI.dev, verified from Element Credit Union's official website
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About Element Credit Union
Institution facts reported to the National Credit Union Administration for Invalid Date.
- Members
- 4.4K
- Assets
- $51M
- Founded
- 1978
- Locations reported
- 4
- NCUA charter
- 23162
- Charter type
- Federal credit union
Services and member support
- Online membership application
- Online loan application
- Open an account online
- Electronic statements
- Mobile check deposit
- Mobile payments
- Financial counseling
- Financial education
- Credit-builder products
Source: NCUA quarterly call report. Services are institution-reported; confirm availability with the credit union.
Other credit unions with branches nearby
Compare membership, services, and rates from other institutions with an NCUA-reported branch nearby.
Nearest-first estimates use the center of your Census ZIP area and NCUA-reported branch locations. Distances are straight-line estimates, not driving distance.
Who Can Join Element Credit Union
Membership eligibility from Element Credit Union's own published criteria. How we verify this.
Membership criteria are published on Element Credit Union's website. Check the membership page below to confirm whether you qualify.
Verified from Element Credit Union's membership page. Final membership determination is always made by the credit union.
Work at Element Credit Union?
This page is seen by prospective members comparing rates — and by the AI assistants they ask. Claim this profile to correct or update rates, add missing products, and get your free rate scorecard showing where Element Credit Union ranks against West Virginia peers.
Frequently Asked Questions
What rates does Element Credit Union offer?
Element Credit Union currently offers vehicle loan, personal loan, and credit card rates. The rates shown on this page were last verified August 4, 2026 directly from the credit union's official website.
How often are Element Credit Union rates updated?
RateAPI verifies Element Credit Union's rates daily by scraping its official website, then normalizing the data. The figures on this page were last verified August 4, 2026.
Where does RateAPI get Element Credit Union's rate data?
Rate data is collected directly from Element Credit Union's official website. RateAPI has no pay-to-rank incentives; see the methodology page for how rates are collected and normalized.
What are Element Credit Union's auto & rv loan rates?
As of August 4, 2026, Element Credit Union offers vehicle loans from 6.24% APR.
What is Element Credit Union's personal loan rate?
As of August 4, 2026, Element Credit Union offers personal loans from 5% APR.
What is Element Credit Union's best CD rate?
As of August 4, 2026, Element Credit Union offers savings and certificate (CD) yields up to 3.50% APY.
Related Rate Data
Compare Element Credit Union's rates against national credit-union benchmarks.
Source Information
Rate data is scraped directly from the credit union's official website and verified daily by our automated systems.
View Original SourceMethodology
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View MethodologyTrack Element Credit Union rates
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# Get rates for Element Credit Union
curl "https://api.rateapi.dev/credit-unions/west-virginia/element" \
-H "Authorization: Bearer YOUR_API_KEY"