Credit union · NCUA insured
Element FCU Auto Loan Rates
Element FCU auto loans start at 5.24% APR for a new vehicle and 5.24% for a used one. Rates checked October 22, 2026.
How Element FCU’s auto loan rates compare
Compared with banks and credit unions near Charleston, WV, where Element FCU has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Element FCU
5.24%APR
- Terms
- —
- Discount
- None included
New/Used Autos
Lowest rate
Charleston FCU
4.25%APR
- Terms
- up to 60 months
- Discount
- Included in the rate
2nd-lowest rate
Peoples Federal Credit Union
4.30%APR
- Terms
- up to 84 months
- Discount
- Included in the rate
Element FCU auto loan score
79
Auto loan score
Higher than 48% of U.S. banks and credit unions
- New vehicleNew5.24%
- Used vehicleUsed5.24%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Element FCU ranks
By auto loan score, in each area where it has branches
Every rate
Current auto loan rates
Rates from the credit union’s website. Most are “as low as” rates for the best credit; yours depends on your credit, the term and the vehicle.
New/Used Autos
Rates as low as stated.
| Terms | APR | Conditions |
|---|---|---|
| — | 5.24% | Rates as low as for new autos. |
| — | 6.24% | Rates as low as for used autos. |
Sources (1)
- elementfcu.org/rates · captured Oct 4, 2026
Who can join Element FCU
This may be incomplete or out of date, so check with the credit union before you apply.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.
Membership information collected October 4, 2026.