Element Credit Union Charleston WV | Affordable Auto Loans & Mortgage Refinancing

Introduction

Welcome to Element, where we prioritize your financial well-being and community connection. Located at 1611 4Th Ave, Charleston, WV 25387, our branch has been a trusted partner in the lives of many since its establishment in 1978. With a dedicated team of 20 employees, we proudly serve over 4,498 members, helping them achieve their financial goals. At Element, we're not just about numbers; we're about building relationships. Our total assets of $67,821,828 and deposits reaching $5,126,985 reflect our commitment to providing robust financial services tailored to your needs. We offer a variety of products including auto loans, mortgages, and credit cards designed with rewards that put you first. Led by our CEO, Linda Bodie, and Board President, Stephan Looney, we strive to create an environment where every member feels valued and heard. We also ensure your money is secure with a net worth of $8,379,766 and cash on hand totaling $1,155,602. While members can visit us at our branch location for in-person services or to speak with our friendly staff about your banking needs, official correspondence should be sent to our mailing address: 3418 MacCorkle Ave SE, Charleston, WV 25304. Join us today to discover how we can support your financial journey! For more information or assistance, feel free to call us at 304-721-4145. Whether you're looking to open an account or need help with a loan application, we're here for you every step of the way. Visit our website at Element FCU for details on our services and offerings.

Branch History & Mission

The Element Edge, known as Element, has been a cornerstone of the Charleston community since it first opened its doors in 1978. Located at 1611 4Th Ave, Charleston, WV 25387, our branch has grown alongside the city, adapting to meet the financial needs of our members and their families. With a proud history spanning over four decades, we are committed to providing not just banking services, but a sense of belonging and support to our nearly 4,500 members. Our mission is simple yet profound: to empower our members through exceptional financial services while fostering a vibrant community spirit. We believe that when our members thrive, so does the entire community. This guiding principle drives us to offer a variety of services from personal checking and savings accounts to auto loans and mortgages designed to help individuals achieve their financial goals. While members can visit us at 1611 4Th Ave Charleston Wv 25387, official correspondence should be sent to 3418 MacCorkle Ave SE, Charleston, WV 25304 at 3418 MacCorkle Ave SE, Charleston, WV 25304. Our branch operates with flexible hours Monday and Friday from 8:00 AM to 5:30 PM, and Tuesday through Thursday from 8:00 AM to 4:30 PM making it convenient for everyone to access our services. As we continue to evolve, we embrace modern technology and digital advancements that enhance your banking experience. Our online banking platform offers mobile payments and person-to-person transfers, ensuring you have easy access to your funds anytime, anywhere. Additionally, our commitment to ADA compliance ensures that all members can utilize our facilities without barriers. Community outreach is central to who we are at The Element Edge. We actively partner with local organizations and participate in events that uplift those around us. Whether it's hosting financial literacy workshops or supporting local charities, we strive to make a positive impact beyond just banking. We invite you to join us at Element and become part of a credit union dedicated not only to your financial success but also to the betterment of the Charleston community. Experience firsthand how we can help you navigate your financial journey with care and expertise. For more information or assistance, feel free to reach out at (304) 721-4145 or visit our website at Element Federal Credit Union. Together, let's build a brighter future!

Branch Location & Accessibility

Welcome to the Element Edge, your local credit union located at 1611 4Th Ave in Charleston, West Virginia! We are proud to serve our community from this convenient spot in Kanawha County. Whether you're stopping by for personal banking services or exploring financing options, our branch is easily accessible and ready to meet your needs. While you can visit us at our physical location, please note that any official correspondence should be sent to our mailing address at 3418 MacCorkle Ave SE, Charleston, WV 25304. This ensures your documents reach us safely and promptly. Nestled near popular landmarks, our branch is just a stone's throw away from bustling shops and restaurants. The area offers ample parking, making it easy for you to pop in without any hassle. Our facility is designed with accessibility in mind, featuring ADA-compliant entrances and pathways to ensure everyone can visit us comfortably. Our friendly team is available during convenient hours: we welcome you from 8:00 AM to 5:30 PM on Mondays and Fridays, and from 8:00 AM to 4:30 PM on Tuesdays, Wednesdays, and Thursdays. We understand that life can get busy, so we strive to accommodate your schedule while providing top-notch service. At Element Edge, we offer a wide range of financial services tailored just for you. From checking and savings accounts to auto loans and credit cards with rewards, we've got everything covered. Plus, our ATM services allow you easy access to your funds whenever you need them! If you're looking for personalized assistance or have questions about our offerings, don't hesitate to give us a call at 304-721-4145. Our dedicated staff is here to help you every step of the way. We invite you to stop by soon and discover how Element Edge can support your financial journey!

Member Eligibility

At Element, we believe that everyone deserves a chance to be part of our friendly financial community. Becoming a member is not only easy but also rewarding. If you're living, working, or attending school in the area, you likely qualify for membership! Our doors are open to individuals who meet these simple eligibility criteria, and we encourage you to check out the detailed requirements at for the latest updates. Joining us means gaining access to a range of fantastic services tailored just for you whether it's checking and savings accounts, auto loans, or credit cards with rewards. The process to open an account is straightforward; you can find all the information you need by visiting https://loans.itsme247.com/213 ?logouturl= https://www.elementfcu.org/ . If you have any questions along the way, feel free to reach out at (304) 721-4145. We're here to help you every step of the way as you embark on your financial journey with us at Element, located at 1611 4Th Ave Charleston Wv 25387.

Business Banking & Commercial Services

Lending Options That Fuel Growth

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. - We also 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.

Merchant Services That Make Life Easier

Imagine being able to accept payments seamlessly, whether you're at a storefront or on the go. Our merchant services provide simple payment solutions that fit your needs. From credit card processing to online payment options, we ensure that you can focus more on what you do best running your business. Located at 1611 4Th Ave Charleston Wv 25387 in Charleston, WV, our friendly team is here to guide you through every step of your financial journey. Reach out today at (304) 721-4145 and discover how we can help your business thrive!

Comprehensive List Of Services

Business Banking

For entrepreneurs and business owners, we offer comprehensive business banking solutions including merchant services and business loans. We understand the challenges of running a business and are committed to providing resources that help you thrive.

Credit Cards

Our credit cards come with rewards programs that allow you to earn points for everyday purchases. This means every time you swipe your card, you're one step closer to redeeming exciting rewards perfect for those who love to travel or dine out.

Digital Banking Features

In today's fast-paced world, convenience is key. That's why Element provides robust online and mobile banking features. With just a few clicks, you can access your accounts anytime, anywhere. Need to check your balance or transfer funds? Our user-friendly platform makes it simple. Plus, our ATM services ensure that cash withdrawal is easy whenever you need it.

Get Started Today!

With so many services available at Element, there's no better time than now to take control of your financial future. Feel free to reach out at (304) 721-4145 if you have any questions or would like more information about how we can assist you. Join us at The Element Edge today where your financial success is our top priority!

Home Financing

If buying a home is on your horizon, we offer mortgage loans and refinancing options that make home ownership achievable. Picture yourself in your dream home while benefiting from favorable rates that keep monthly payments manageable.

Personal Banking

Our personal banking options include checking and savings accounts tailored to fit your lifestyle. Imagine having a checking account that helps you track your spending while also offering you the chance to save for future goals. With our competitive interest rates, you can grow your savings effortlessly. For those considering purchasing a new car or refinancing an existing auto loan, our auto loans and vehicle financing solutions provide flexible terms and competitive rates. We understand that financing can sometimes feel daunting, so our friendly staff is here to guide you through the process with ease.

Personal Loans

Need some extra cash for unexpected expenses? Our personal loans and debt consolidation services can help you get back on track without breaking the bank. Life happens, and we're here to support you during those times when you need a little financial assistance.

Digital & Online Banking

Banking Made Easy

At Element, we believe that managing your money should be easy and accessible. Our online banking services empower you to take control of your finances in real-time. Whether you're checking balances, transferring funds, or signing documents electronically, everything is just a click away. Experience the peace of mind that comes with knowing you have secure access to your accounts whenever you need it. Join us at Element today and discover how our digital banking services can enhance your financial journey!

Key Features for You

We understand that security is a top priority. That's why we provide electronic signature authorization Yes for a safe and secure way to sign documents digitally. You'll also enjoy the benefits of e-statements Yes, which allow you to view your account statements online rather than waiting for them in the mail helping you stay organized while reducing paper waste. If you're always on the move, our mobile application Yes puts the power of banking right in your pocket. With mobile payments Yes, you can pay for purchases quickly and securely using just your smartphone. Plus, our person-to-person transfer feature Yes lets you send money directly to friends or family without any hassle.

Financial Strength

Commitment to Growth

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 lending capacity supports your financial goals across various sectors with $925 in used auto loans and $33,931,472 in total loans and leases.

Member Trust

Total Share and Deposit Accounts: 9,658, showing a strong and growing member base that trusts us with their finances. 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 1611 4Th Ave Charleston Wv 25387 or call (304) 721-4145 to learn more about how we can help you achieve your financial goals.

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, ensuring our branches are always ready to serve you with a knowledgeable, committed team.

Secure 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.

Strong Financial Health

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 financing for both new and used vehicles, making it easier for you to choose the perfect ride.

Business Loans

For business owners looking to expand or invest in their operations, we provide tailored solutions. Although there are currently no outstanding commercial loans available, our commitment to supporting local businesses remains strong. At Element, we prioritize transparency and accessibility in all our services. If you're curious about eligibility requirements or would like more information on refinancing options, don't hesitate to reach out. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov , based on the latest results. Your journey towards better financial health starts here with us!

Mortgage Loans

Thinking about homeownership? Our mortgage options, including Junior Lien 1-4 Family Residential Properties loans totaling $6,389,161, make buying or refinancing simple. We offer competitive rates and flexible terms to suit your needs. If you're interested in refinancing your current mortgage, our team can assist you in exploring your options.

Unsecured Credit Cards

Managing day-to-day expenses can be challenging, but our unsecured credit card loans can help. With a total of $1,041,383 in loans available, we offer flexible terms that allow you to manage your finances effectively while enjoying the benefits that come with a credit card.

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. With so many options available, having a reliable tool to compare offers is essential for making informed financial decisions. LendMesh ensures accurate loan comparisons through direct sourcing of loan data from banks and credit unions that comply with National Credit Union Administration (NCUA) lending standards. This approach guarantees that users receive fair and transparent offers based on the latest results (Source: https://www.ncua.gov ). By focusing on verified data, LendMesh builds a foundation of trust and reliability for its users. One of the key benefits of using LendMesh is its commitment to transparency. Loan offers are sourced exclusively from legitimate financial institutions, ensuring that users have access to genuine opportunities without hidden agendas. Additionally, LendMesh does not prioritize lenders based on paid promotions; instead, it provides unbiased results that put user interests first. Another significant advantage is the real-time rate comparisons available on the platform. Users can quickly view up-to-date loan rates from multiple institutions, which empowers them to make informed decisions about their borrowing needs. Thousands of users trust LendMesh for loan comparisons. One member shared: "LendMesh helped me find a lower mortgage rate in minutes, saving me thousands over the loan term!" Such testimonials reflect the positive impact LendMesh has on its users' financial journeys. 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