Credit union · NCUA insured
Element FCU CD Rates
Element FCU’s best CD rate is 3.50% APY on a 13-month share certificate (CD). Terms run from 6 months to 5 years. Rates checked October 22, 2026.
How Element FCU’s CD rates compare
Compared with banks and credit unions near Charleston, WV, where Element FCU has the most branches. $10,000, best rate first.
This credit union’s best
Element FCU
3.50%APY
- Term
- 13 months
- Minimum
- $100
- Earns on $10,000
- $380
13 Month CD Special
Top rate
Charleston FCU
4.33%APY
- Term
- 12 months
- Minimum
- —
- Earns on $10,000
- $433
2nd-highest rate
Woodforest National Bank
4.25%APY
- Term
- 9 months
- Minimum
- $500
- Earns on $10,000
- $317
Element FCU CD score
66
CD score
Higher than 17% of U.S. banks and credit unions
- 3–8 months3–8 mo0.75%
- 9–15 months9–15 mo3.50%
- 16–30 months16–30 mo2.25%
- 31–60 months31–60 mo2.50%
- QualifiedQualified3.50%
Each track runs from the lowest to the highest rate among U.S. banks and credit unions; the dot is this rate.Qualified: needs another account or monthly activity.
Where Element FCU ranks
By CD score, in each area where it has branches
Every rate
Current CD rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
13 Month CD Special
3.50%APY · 1 term
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 13 months | 3.50% | $380 |
Certificates of Deposit
Up to 2.50%APY · 6 terms
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 months | 0.75% | $37 |
| 12 months | 2.00% | $200 |
| 24 months | 2.25% | $455 |
| 36 months | 2.25% | $690 |
| 48 months | 2.50% | $1,038 |
| 60 months | 2.50% | $1,314 |
Sources (1)
- elementfcu.org/rates · captured Sep 19, 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This may be incomplete or out of date, so check with the credit union before you apply.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.