Element Credit Union Charleston WV | Quick Personal Loans & Business Banking

Introduction

Welcome to Element Credit Union, your trusted financial partner located at 3418 Maccorkle Ave Se, Charleston, WV 25304. Since our establishment in 1978, we have been dedicated to serving our community with integrity and care. With a growing membership of 4,498 and total assets reaching an impressive $67,821,828, we are committed to providing the best financial solutions for individuals and families alike. At Element, we believe in putting our members first. That's why we offer a wide range of services, including personal banking options like checking and savings accounts, auto loans, mortgage refinancing, and credit cards with rewards. We also support local businesses through our business banking services. Our total deposits amount to $5,126,985, reflecting the trust our members place in us every day. Under the leadership of our CEO, Linda Bodie, and Board President, Stephan Looney, we aim to create a welcoming environment that fosters financial growth and education. With a team of 20 dedicated employees, we strive to ensure that each member receives personalized service tailored to their unique needs. While you can reach us at our branch for all your banking needs, if you prefer sending official correspondence, please address it to our mailing address: 3418 MacCorkle Ave SE, Charleston, WV 25304. We invite you to explore what Element Credit Union has to offer by visiting our website at www.elementfcu.org or calling us at 304-721-4145. Whether you're looking for a new loan or need assistance with your current accounts, we're here to help you every step of the way. Join us today and experience the Element difference!

Branch History & Mission

Community Commitment

Our commitment extends beyond banking. We actively seek partnerships within the local community and engage in outreach efforts that uplift those around us. Whether through sponsorships or volunteer initiatives, Element strives to make a positive impact in Charleston and beyond. With features like drive-thru banking and ATM availability for quick access to your funds, we prioritize your experience every step of the way. We also maintain ADA compliance standards ensuring that all members can easily access our facilities.

Join Us Today!

As we look toward the future, we invite you to become part of the Element family. Experience firsthand how joining us means more than just opening an account; it's about joining a community that cares for your well-being and supports your financial journey. Contact us today at 304-721-4145 or visit us online at Element FCU. Together, let's build a brighter financial future!

Our Evolution

From our inception, Element has been committed to providing exceptional financial services tailored to the needs of our community. Over the years, we have grown significantly, with total assets now amounting to an impressive $67,821,828. This growth reflects not only our dedication to sound financial practices but also the trust and support of our members. Our branch is more than just a place to manage finances; it's a hub for community engagement. We are proud to offer various services, including personal banking accounts, auto loans, mortgages, and business banking options. Additionally, we provide modern conveniences like online banking and mobile payment services that cater to today's fast-paced lifestyle.

Our Mission

At Element, our mission is clear: we aim to empower individuals and families by providing accessible financial solutions while fostering a sense of belonging and support within our community. We believe that everyone deserves the opportunity to achieve their financial goals. That's why we focus on offering not just products but also guidance and education that help members make informed decisions about their financial futures. While you can visit us at 3418 Maccorkle Ave SE, official correspondence should be sent to 3418 MacCorkle Ave SE, Charleston, WV 25304 if necessary. Our operating hours are designed for your convenience: Monday and Friday from 8:00 am to 5:30 pm; Tuesday through Thursday from 8:00 am to 4:30 pm.

Branch Location & Accessibility

A Convenient Visit

At Element Credit Union, we pride ourselves on accessibility. Our branch features ADA-compliant entrances and ramps, ensuring everyone can visit us with ease. We also offer ample parking right outside the building, so you won't have to worry about finding a spot when you arrive. If you're looking for banking options that fit your busy schedule, our operating hours are designed with you in mind. We're open from 8:00 AM to 4:30 PM on Tuesdays, Wednesdays, and Thursdays, and extend our hours until 5:30 PM on Mondays and Fridays. This flexibility allows you to stop by before or after work or school.

Connect With Us

Ready to take the next step toward better banking? Feel free to call us at 304-721-4145 if you have any questions or need assistance. We're here to help! Come visit us today at Element Credit Union we look forward to serving you!

Services Tailored for You

Element Credit Union provides a variety of services tailored to meet your financial needs. From personal banking options like checking and savings accounts to auto loans and mortgage financing, we have something for everyone. Need quick cash? Our drive-thru service makes deposits and withdrawals simple and efficient. For those who prefer digital convenience, we offer online and mobile banking solutions so you can manage your finances anytime, anywhere. Plus, we have an ATM available for quick cash withdrawals or balance checks. If you need assistance outside of standard transactions, our shared service center is here to help members of partner credit unions too! While members can visit us at 3418 Maccorkle Ave SE for all their banking needs, official correspondence should be sent to the same address.

Member Eligibility

Becoming a member of Element means joining a warm and welcoming community that prioritizes your financial well-being. At our branch located at 3418 Maccorkle Ave Se Charleston Wv 25304, we believe that everyone deserves access to quality financial services, and that's why we've made membership easy and accessible. If you're a resident of the area or work here, you likely qualify to join us! We cater to individuals and families from all walks of life, ensuring that you receive personalized service and support tailored to your needs. To kickstart your membership journey with Element, simply visit our website for detailed eligibility information at . It's straightforward and friendly just like our team! Once you're ready, opening an account is a breeze through our online process available at https://loans.itsme247.com/213 ?logouturl= https://www.elementfcu.org/ . If you have any questions or need assistance, feel free to reach out to us at (304) 721-4145. Join us today, and experience the benefits of being part of our family!

Business Banking & Commercial Services

Merchant Services that Work for You

In today's fast-paced market, having reliable merchant services can make all the difference. At Element, we provide payment processing solutions tailored for your business type whether you're a local shop or an online service provider. Our services help you manage transactions efficiently, allowing you to focus on what you do best: running your business. Visit us at 3418 Maccorkle Ave Se Charleston Wv 25304 in Charleston, WV, or give us a call at (304) 721-4145 to learn more about how our business banking solutions can elevate your enterprise!

Tailored Loan Options

Imagine securing the funds necessary to grow your operations or invest in new equipment. Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs. We've funded over $0 in commercial loans for our members, helping businesses scale and succeed. Additionally, we support the broader business community with $0 in non-member commercial loans, providing flexible financing solutions. With an outstanding commercial loan portfolio of $0, we continue to drive economic growth by financing new and expanding businesses.

Comprehensive List Of Services

Business Solutions That Work

For local entrepreneurs and businesses, we provide comprehensive Business Banking solutions, including essential Merchant Services & Business Loans. We believe that supporting small businesses strengthens our community, and we are committed to being your partner in success.

Convenient Digital Banking

In today's fast-paced world, convenience is key. That's why we offer robust Online & Mobile Banking features that let you manage your accounts anytime, anywhere. You can easily check balances, transfer funds, and pay bills right from your smartphone or computer. If cash is what you need, we have you covered with our ATM & Cash Withdrawal Services, available at various locations for easy access. Our basic drive-thru banking allows for quick deposits and withdrawals without leaving your vehicle. Moreover, if you're a member of a partner credit union, take advantage of our Shared Branch Transactions for seamless banking experiences.

Personal Banking Made Easy

We understand that managing your finances can sometimes be challenging. That's why we offer Checking & Savings Accounts that fit your lifestyle and financial goals. Need to buy a new car? Our Auto Loans & Vehicle Financing options make it simple to get behind the wheel without breaking the bank. Plus, if you're thinking about purchasing a home or refinancing your existing mortgage, our Mortgage Loans & Refinancing services are tailored just for you. For those unexpected expenses or projects, consider our Personal Loans & Debt Consolidation services. We aim to help you manage your debt effectively so you can focus on what really matters. And don't forget about our Credit Cards with Rewards, which allow you to earn while you spend!

Reach Out Today

At Element, we pride ourselves on creating a welcoming environment where financial decisions become easier and more accessible. Our friendly staff is ready to assist you during our operating hours: Monday and Friday from 8:00 am to 5:30 pm; Tuesday through Thursday from 8:00 am to 4:30 pm. For any inquiries or assistance, feel free to call us at 304-721-4145 or visit us online at Element. Let us help you achieve your financial goals today!

Digital & Online Banking

Key Features

Our online banking system is available 24/7, allowing you to check balances, pay bills, and transfer funds whenever it suits you. With features like electronic signature authorization, you can sign documents securely and conveniently from your device no need for paper forms or trips to the branch. For those who prefer a more hands-on approach, our mobile application brings the bank to your fingertips. You can enjoy mobile payments, making transactions quick and simple. Plus, with person-to-person transfer options, sending money to friends or family has never been easier.

Security & Accessibility

Security is a top priority at Element. Our digital services use advanced security measures to ensure your information remains safe while you manage your accounts. With e-statements available, you can keep track of your financial activity without the clutter of paper statements. Accessibility and ease-of-use are at the heart of our digital banking experience. We aim to empower you with real-time account management that fits into your busy lifestyle. No matter where life takes you, rest assured that Element is just a click away.

Financial Strength

Growing Membership Base

Total Share and Deposit Accounts: 9,658, showing a strong and growing member base that trusts us with their finances. We are here to ensure your needs are met while maintaining the highest levels of service. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, Element is your trusted partner. Visit us at 3418 Maccorkle Ave Se Charleston Wv 25304 or call (304) 721-4145 to learn more about how we can help you achieve your financial goals.

Member-Centric Savings Options

Members' savings are secured through $5,253,370 in share certificates and $3,824,059 in money market shares, offering stable and rewarding financial growth opportunities. Unlike traditional banks, we prioritize our members. With non-member deposits at $4,994,000, we ensure that our resources are focused on benefiting you through better loan rates, lower fees, and exclusive perks.

Operational Efficiency

Our $773,312 reflects our operational efficiency, enabling us to continue offering competitive loan rates and solid financial products for our members. We also take pride in having 14 full-time employees and 6 part-time employees who are always ready to assist you with a knowledgeable, committed team.

Reinvesting for Your Benefit

With $7,599,754 in undivided earnings, we reinvest in innovative banking tools, stronger lending options, and enhanced security measures to serve our members better. Our commitment to growth is reflected in our lending capacity as well; we have $925 in used auto loans and $33,931,472 in total loans and leases available to support your financial goals across various sectors.

Strong Capital Foundation

With a net worth of $8,379,766, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of $1,235 demonstrates a solid capital foundation, ensuring that we can continue providing loans, competitive savings rates, and uninterrupted services even in uncertain economic times.

Loan Offering

Auto Loans

Looking to buy a new car? Our auto loans offer some of the lowest rates in the industry, with over $14,790,922 in used vehicle loans and $5,716,117 in new vehicle loans already helping members get on the road. We provide flexible financing options whether you are purchasing a brand-new model or a reliable used vehicle.

Credit Cards

We also offer flexible terms on unsecured credit card loans. With a total of $1,041,383 in unsecured credit card loans helping members manage their finances effectively, our credit cards come with rewards and low-interest rates to help you make the most out of your purchases.

Credit Lines

For those who need ongoing access to funds, our total credit lines amount to $3,200,000, providing you with the flexibility to borrow as needed while maintaining control over your finances. If you're interested in refinancing options or want to learn about eligibility for any of these products, please visit our website or contact us directly. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov , based on the latest results. At Element, we're committed to supporting your financial journey with trustworthy services and competitive loan offerings tailored just for you!

Mortgage Loans

Thinking about homeownership? Our mortgage options make buying or refinancing simple. We offer Junior Lien 1-4 Family Residential Properties loans totaling $6,389,161. Our mortgage specialists can guide you through the process and help you find a solution that fits your budget.

Loan Aggregator

Finding the best loan rates can be overwhelming. LendMesh simplifies this process by providing real-time, unbiased comparisons of mortgage, auto, and personal loan rates from verified financial institutions. LendMesh ensures accurate loan comparisons by sourcing data directly from banks and credit unions that comply with National Credit Union Administration (NCUA) lending standards, based on the latest results (Source: https://www.ncua.gov ). This commitment to using verified data guarantees that users receive fair and transparent offers. One of the standout features of LendMesh is its dedication to transparency. Loan offers are sourced from legitimate financial institutions, which means users can trust that the information is reliable. Additionally, LendMesh does not prioritize lenders based on paid promotions; instead, it focuses on providing unbiased results that empower users to make informed choices. Real-time rate comparisons are another significant benefit of using LendMesh. Users can access up-to-date loan rates from multiple institutions at a glance, making it easier to identify the best options available. Thousands of users trust LendMesh for their loan comparisons. One member shared: "LendMesh helped me find a lower mortgage rate in minutes, saving me thousands over the loan term!" This testimonial highlights how LendMesh has positively impacted individuals looking for better financing options. Compare real-time loan offers today at LendMesh and find the best rates for your needs. Disclaimer: Loan approvals and interest rates are subject to creditworthiness, income verification, and applicable federal and state regulations. Rates may vary based on financial institution guidelines.

ELEMENT FEDERAL CREDIT UNION