Credit union · NCUA insured
Element FCU Savings Rates
Element FCU’s best savings rate is 1.25% APY on $10,000, with its Money Market. Rates checked October 22, 2026.
How Element FCU’s savings 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
1.25%APY
- Requires
- None
- Minimum
- $5,000
- Earns on $10,000 a year
- $125
Money Market
Top rate
Huntington Bank
3.25%APY
- Requires
- Another account
- Minimum
- $100
- Earns on $10,000 a year
- $325
2nd-highest rate
West Virginia National Guard FCU
1.51%APY
- Requires
- None
- Minimum
- —
- Earns on $10,000 a year
- $151
Element FCU savings score
87
Savings score
Higher than 77% of U.S. banks and credit unions
- $1,000 balance$1,0000.25%
- $10,000 balance$10,0001.25%
- $100,000 balance$100,0002.50%
- QualifiedQualified1.25%
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 savings score, in each area where it has branches
Every rate
Current savings rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
The Safest Savings Account
2.50%APY
Minimum opening balance requirement = $100,000.00; ongoing minimum monthly balance requirement = $100,000.00. Deposits insured up to $25 million via StoneCastle Cash Management.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $100,000 and upOngoing minimum monthly balance requirement = $100,000.00.$100,000 and up | 2.50% | — | Ongoing minimum monthly balance requirement = $100,000.00. |
Sources (1)
- elementfcu.org/the-safest-savings-account · captured Sep 19, 2026
Higher Rate Savings Account
1.00%APY
No monthly maintenance fees. Minimum opening balance requirement = $100; ongoing minimum monthly balance requirement = $100.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $100 – $1,000Ongoing minimum monthly balance requirement = $100. | 0.25% | — | Ongoing minimum monthly balance requirement = $100. |
| $1,000 – $5,000Ongoing minimum monthly balance requirement = $100. | 0.50% | — | Ongoing minimum monthly balance requirement = $100. |
| $5,000 – $50,000Ongoing minimum monthly balance requirement = $100. | 1.00% | $100 | Ongoing minimum monthly balance requirement = $100. |
| $50,000 – $250,000Ongoing minimum monthly balance requirement = $100. | 1.75% | — | Ongoing minimum monthly balance requirement = $100. |
| Over $250,000Ongoing minimum monthly balance requirement = $100. | 2.49% | — | Ongoing minimum monthly balance requirement = $100. |
Higher Yield Money Market
Up to 2.25%APY
Minimum opening balance requirement = $20,000; ongoing minimum monthly balance requirement = $20,000. Variable rate, rates can change at any time. Limited withdrawals.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $20,000 – $50,000Ongoing minimum monthly balance requirement = $20,000. | 1.00% | — | Ongoing minimum monthly balance requirement = $20,000. |
| $50,000 – $75,000Ongoing minimum monthly balance requirement = $20,000. | 1.25% | — | Ongoing minimum monthly balance requirement = $20,000. |
| $75,000 – $100,000Ongoing minimum monthly balance requirement = $20,000. | 1.25% | — | Ongoing minimum monthly balance requirement = $20,000. |
| $100,000 – $250,000Ongoing minimum monthly balance requirement = $20,000. | 1.50% | — | Ongoing minimum monthly balance requirement = $20,000. |
| Over $250,000Ongoing minimum monthly balance requirement = $20,000. | 2.25% | — | Ongoing minimum monthly balance requirement = $20,000. |
Savings Accounts
Up to 2.25%APY
| Balance | APY | Minimum | Earns on $10,000 a yearEarns |
|---|---|---|---|
| Any balance$20,000 to open | 2.25% | $20,000 | $225 |
| Any balance$5,000 to open | 1.25% | $5,000 | $125 |
Sources (1)
- elementfcu.org/rates · captured Sep 19, 2026
Money Market
1.25%APY
Variable rate as high as 1.25% APY.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceVariable Rate as high as 1.25% APY.Any balance | 1.25% | $125 | Variable Rate as high as 1.25% APY. |
Sources (1)
- elementfcu.org/rates · captured Sep 19, 2026
Emergency Moolah
0.10%APY
Variable rate as high as 0.10% APY.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceVariable rate as high as 0.10% APY.Any balance | 0.10% | $10 | Variable rate as high as 0.10% APY. |
Sources (1)
- elementfcu.org/rates · captured Sep 19, 2026
My Secret Stash
0.10%APY
Variable rate as high as 0.10% APY.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceVariable rate as high as 0.10% APY.Any balance | 0.10% | $10 | Variable rate as high as 0.10% APY. |
Sources (1)
- elementfcu.org/rates · captured Sep 19, 2026
Share Savings
0.10%APY
Variable rate as high as 0.10% APY.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceVariable rate as high as 0.10% APY.Any balance | 0.10% | $10 | Variable rate as high as 0.10% APY. |
Sources (1)
- elementfcu.org/rates · captured Sep 19, 2026
Special-purpose accounts
The Best Kids Savings Account
2.00%APY
Designed for children ages 0-12. Minimum opening balance requirement = $10; ongoing minimum monthly balance requirement = $10. Withdrawals are not permitted; if withdrawals occur, account converts to a regular savings account and loses perks/rewards. Withdrawals may occur after child's 13th birthday.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $50 and upFor balances over/above $50. Ongoing minimum monthly balance requirement = $10. No withdrawals permitted prior to age 13.$50 and up | 2.00% | $200 | For balances over/above $50. Ongoing minimum monthly balance requirement = $10. No withdrawals permitted prior to age 13. |
Sources (1)
- elementfcu.org/the-best-kids-savings-account · captured Sep 19, 2026
The Best Teen Savings Account
2.00%APY
Designed for teens ages 13-17. Minimum opening balance requirement = $10; ongoing minimum monthly balance requirement = $10. Withdrawals are not permitted; if withdrawals occur, account converts to a regular savings account and loses perks/rewards. Withdrawals may occur after child's 18th birthday.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $50 and upFor balances over/above $50. Ongoing minimum monthly balance requirement = $10. No withdrawals permitted prior to age 18.$50 and up | 2.00% | $200 | For balances over/above $50. Ongoing minimum monthly balance requirement = $10. No withdrawals permitted prior to age 18. |
Sources (2)
All captured Sep 19, 2026
Savings Club Accounts
0.25%APY
Club accounts include Holiday Club, Vacation Club, Back-to-School Club, and Custom Club. Minimum opening balance requirement = $10; ongoing minimum monthly balance requirement = $0.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $100Ongoing minimum monthly balance requirement = $0. | 0.00% | — | Ongoing minimum monthly balance requirement = $0. |
| Over $100Ongoing minimum monthly balance requirement = $0. | 0.25% | $25 | Ongoing minimum monthly balance requirement = $0. |
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.