Credit union · NCUA insured
Element FCU
A $51M credit union headquartered in Charleston, WV, with 4,401 members and 4 branches in West Virginia. Best rates: CDs 3.50% and savings 1.25% APY.
Element FCU Carrot Score
81
Carrot Score
Higher than 55% of U.S. banks and credit unions
#2 of 15 in Charleston, WV metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About Element FCU
Element Federal Credit Union is a member-owned financial cooperative based in Charleston, West Virginia.
The credit union was formerly known as WV United.
- Headquarters
- 3418 MacCorkle Ave SE, Charleston, WV 25304
- NCUA charter
- 23162
Membership
Who can join
This may be incomplete or out of date, so check with the credit union before you apply.
Employers and groups
- Employees of Preferred Element Employer Partners (PEEPs) are eligible for Element membership.
Family and household
- Family members of PEEP partner employees are eligible for Element membership.
Branches
4 branches in West Virginia
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West Virginia
4 branches
- Kanawha CityMain office3418 MacCorkle Ave SE, Charleston, WV 25304Directions
- Capitol Street350 Capitol St Rm 156, Charleston, WV 25301Directions
- The Element Edge1611 4th Ave, Charleston, WV 25387Directions
- South Charleston323 2nd Ave, South Charleston, WV 25303Directions
Walk-in offices from the NCUA directory as of March 31, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
Well capitalizedas reported to the NCUA
| Measure | This credit union | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalNet worth ratio | 21.80% | 14.31% | 19.38% or more |
| Troubled loans60+ days late | 1.38% | 0.70% | 0.18% or less |
| ProfitabilityReturn on assets | 0.65% | 0.65% | 1.19% or more |
| LendingLoans per $100 deposited | $78 | $59 | — |
- CapitalNet worth ratio21.80%Peers’ middle 14.31% · Top 25% 19.38%+
- Troubled loans60+ days late1.38%Peers’ middle 0.70% · Top 25% ≤0.18%
- ProfitabilityReturn on assets0.65%Peers’ middle 0.65% · Top 25% 1.19%+
- LendingLoans per $100 deposited$78Peers’ middle $59
Compared with the 2,478 credit unions with under $100 million in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are loans 60 or more days late.
Regulators’ own ratings of Element FCU are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.