--- title: "Element Credit Union: #1 Personal Loan in West Virginia" description: "Element Credit Union has the lowest tracked personal loan rate in West Virginia (11.99% APR) among 22 credit unions we verify. Element Credit Union rates today: savings & CDs up to 2.50% APY, personal loans from 11.99% APR. Every rate verified daily from the official website — no pay-to-rank. See who can join Element Credit Union — verified membership eligibility with the requirements and cost to join." canonical: "https://rateapi.dev/credit-unions/west-virginia/element" last-updated: "2026-11-13" source: "https://rateapi.dev/llms.txt" --- # Element Credit Union: #1 Personal Loan in West Virginia ### Auto & vehicle rates 2 offers | Product | Published | Rate | Term / condition | Status | | **Used Auto Loan** auto_used | — APR | 6.240% | used | Standard | | **Used RV Loan** rv_used | — APR | 8.240% | used | Standard | Element Credit Union auto & vehicle rates as of November 12, 2026 ### Personal loan rates 4 offers | Product | Published | Rate | Term / condition | Status | | **Credit Builder Loan** personal | — APR | 5.000% | — | Standard | | **Personal Line of Credit** ploc_variable | — APR | 7.490% | — | Standard | | **Home Improvement Loan** personal | — APR | 10.250% | — | Standard | | **LOC & Personal Loan** personal_unsecured | 11.990% APR | 11.990% | — | Standard | Element Credit Union personal loan rates as of November 12, 2026 ### Credit card rates 1 offer | Product | Published | Rate | Term / condition | Status | | **Credit Card** credit_card | — APR | 11.990% | — | Standard | Element Credit Union credit card rates as of November 12, 2026 ### Savings & CD rates 8 offers | Product | Published | Rate | Term / condition | Status | | **Money Market** money_market | — APY | 1.25% | — | Standard | | **12-Month Certificate** cd_12mo | — APY | 2.00% | 12 mo | Standard | | **36-Month Certificate** cd_36mo | — APY | 2.25% | 36 mo | Standard | | **Higher Yield Money Market** money_market | — APY | 2.25% | — | Standard | | **24-Month Certificate** cd_24mo | 2.25% APY | 2.25% | 24 mo | Standard | | **48-Month Certificate** cd_48mo | 2.50% APY | 2.50% | 48 mo | Standard | | **60-Month Certificate** cd_60mo | — APY | 2.50% | 60 mo | Standard | | **13-Month Certificate** cd_13mo | — APY | 3.50% | 13 mo | Standard | Element Credit Union savings & cd rates as of November 12, 2026 Personal loan rates from 11.99% APR. Savings and certificate yields up to 2.50% APY. > Source: [RateAPI.dev](https://rateapi.dev/credit-unions/west-virginia/element) , verified from [Element Credit Union's official website](https://www.elementfcu.org/) Best product position **#1 of 22** personal loan Gap to state best **0 bp** State market leader Vs. state median **229 bp behind median** personal loan Products ranked **1** across tracked West Virginia markets | Product | Published APR | Position | Vs. state best | Vs. state median | | personal loan | 11.99% | #1 of 22 · lowest in West Virginia | State market leader | 229 bp behind median | Published rate position by product as of November 13, 2026 This is the public snapshot. Claim Element Credit Union's profile to see the full product-by-product breakdown, how the gap to the state best has moved over time, and the near-misses where a small change would move you up. [See the full breakdown →](https://rateapi.dev/for-credit-unions/claim?cu=element&state=west-virginia&code=WV&name=Element%20Credit%20Union) Loading branch locator… ## 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](https://ncua.gov/analysis/credit-union-corporate-call-report-data/quarterly-data) . 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. [**The State** 2200 WASHINGTON STREET E · CHARLESTON · WV · 25311-2219 About 2.5 miles away](https://rateapi.dev/credit-unions/west-virginia/the-state) [**Pioneer Appalachia** Main Office · Charleston · WV · 25301 About 3.4 miles away](https://rateapi.dev/credit-unions/west-virginia/pioneer-appalachia) [**Charleston** MAIN OFFICE · CHARLESTON · WV · 25301-2513 About 4.2 miles away](https://rateapi.dev/credit-unions/west-virginia/charleston) [**Star Usa** Star USA - Main Office · Charleston · WV · 25314-1089 About 4.4 miles away](https://rateapi.dev/credit-unions/west-virginia/star-usa) [**WV National Guard** Main Office · Charleston · WV · 25311-1022 About 4.6 miles away](https://rateapi.dev/credit-unions/west-virginia/wv-national-guard) [**Union Trades** Branch Office · Charleston · WV · 25302-2325 About 4.8 miles away](https://rateapi.dev/credit-unions/west-virginia/union-trades) 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](https://rateapi.dev/eligibility-methodology) . Membership criteria are published on Element Credit Union's website. Check the membership page below to confirm whether you qualify. - Employer Preferred Element Employer Partners Verified from [Element Credit Union's membership page](https://www.elementfcu.org/peeps/) . Final membership determination is always made by the credit union. ## Membership rules for Element Credit Union Employers · Family 2 published paths to membership, last verified September 13, 2026, quoted from Element Credit Union’s own published criteria. ### Employers 1 Auto-verified against the source page quoted from the credit union’s own published criteria · last verified September 13, 2026 - Employee of Preferred Element Employer Partners “If you need a friend to help make your employees’ lives better financially, join our PEEPs (Preferred Element Employer Partners).” > [source ↗](https://www.elementfcu.org/peeps/) - Employee of Preferred Element Employer Partners ### Family 1 Auto-verified against the source page quoted from the credit union’s own published criteria · last verified September 13, 2026 - Family of a member family “Element membership for all family members” > [source ↗](https://www.elementfcu.org/peeps/) - Family member (family) of a member Every rule cites the exact sentence it came from; absence of evidence means unknown, never no. [How we verify membership rules](https://rateapi.dev/eligibility-methodology) . Final membership determination is always made by the credit union. Is this right for Element Credit Union? Yes No ## 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. - See which AI assistants fetched Element Credit Union’s rates, and how often - See which of your products the RateAPI API returned, and where you rank in West Virginia - Correct anything we publish about you that is wrong [Claim this credit union](https://rateapi.dev/for-credit-unions/claim?cu=element&state=west-virginia&code=WV&name=Element%20Credit%20Union) [How scorecards work](https://rateapi.dev/for-credit-unions) ## 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 November 12, 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 November 12, 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 is Element Credit Union's personal loan rate? As of November 12, 2026, Element Credit Union offers personal loans from 11.99% APR. ### What is Element Credit Union's best CD rate? As of November 12, 2026, Element Credit Union offers savings and certificate (CD) yields up to 2.50% APY. ### Who can join Element Credit Union? Element Credit Union publishes its membership criteria on its own website. RateAPI tracks 2 published membership paths covering 1 employer for Element Credit Union, each quoted from Element Credit Union's own published membership criteria. Immediate family of an existing member also qualify. ## Related Rate Data Compare Element Credit Union's rates against national credit-union benchmarks. [More West Virginia credit unions](https://rateapi.dev/credit-unions/west-virginia) [West Virginia auto loan rate leaders](https://rateapi.dev/auto-loan-rates/west-virginia) [West Virginia personal loan leaders](https://rateapi.dev/personal-loan-rates/west-virginia) [Auto loan rate benchmark](https://rateapi.dev/auto-loan-rate-benchmark) [Credit card rates](https://rateapi.dev/credit-card-rates) [How we verify rates](https://rateapi.dev/methodology) ### Source Information Rate data is scraped directly from the credit union's official website and verified daily by our automated systems. [View Original Source](https://www.elementfcu.org/) ### Methodology Learn how we collect, normalize, and verify rate data with full transparency and no pay-to-rank incentives. [View Methodology](https://rateapi.dev/methodology) ## Track Element Credit Union rates Get a free API key to query these rates programmatically, or get the daily email when West Virginia credit union rates move. Get a free API key [Daily rate email](https://rateapi.dev/daily-rate-emails) ## Use it via API Access this data programmatically with our REST API terminal ``` # Get rates for Element Credit Union curl "https://api.rateapi.dev/credit-unions/west-virginia /element " \ -H "Authorization : Bearer YOUR_API_KEY" ``` [Explore API Documentation](https://api.rateapi.dev/) [Use with Claude](https://rateapi.dev/#mcp) Branch locator ## Element Credit Union locations Search, filter, and browse all 4 NCUA-reported locations. Use my location Search branches Apply Sort near a ZIP **Loading branches…** Branch services ATM Drive-through Member services Shared branch Skip to main content --- Source: https://rateapi.dev/credit-unions/west-virginia/element Rate data API: https://api.rateapi.dev · OpenAPI: https://api.rateapi.dev/openapi.json · MCP: https://mcp.rateapi.dev/mcp