Element FCU Credit Card Rates

How Element FCU’s credit card rates compare

Compared with banks and credit unions near Charleston, WV, where Element FCU has the most branches. Ongoing purchase APR, lowest first.

72

Credit card score

Higher than 32% of U.S. banks and credit unions

By rate

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 credit card score, in each area where it has branches

Every rate

Rates from the credit union’s website. Most are “as low as” rates for the best credit; yours depends on your credit.

1% cash back on all purchases. Rates as low as 11.99% APR.

Applies to	APR	Annual fee	Conditions
Ongoing	11.99%	None	Rates as low as 11.99% APR. 1% cash back on all purchases. Rate varies on qualifying factors.

Sources (3)

All captured Oct 4, 2026

Secured with funds on deposit, best for establishing or building credit history ($1,000 maximum limit). Rates as low as 11.99% APR.

Applies to	APR	Annual fee	Conditions
Ongoing	11.99%	None	Rates as low as 11.99% APR. Secured with funds on deposit ($1,000 maximum limit). Rate varies on qualifying factors.

Sources (3)

All captured Oct 4, 2026

Choose your card type: Traditional MasterCard, Cash Back MasterCard, or Secured MasterCard. Rates as low as 11.99% APR.

Applies to	APR	Annual fee	Conditions
Intro, 6 months	1.99%	None	Introductory rate for 6 months. No annual fee.
Ongoing	11.99%	None	Standard rate as low as 11.99% APR. No annual fee. Rate varies on qualifying factors.

Sources (3)

All captured Oct 4, 2026

This may be incomplete or out of date, so check with the credit union before you apply.

Employees of Preferred Element Employer Partners (PEEPs) are eligible for Element membership.

Membership information collected October 4, 2026.