Where We’re Going…You Don’t Need to Overpay.
Have an auto loan financed at another institution? You can transfer it to Element for a potentially lower interest rate, and maybe even a lower monthly payment, too.
Refinance your car loan with us and get*:
- 90 days with no car payments
- The chance to win $250 towards one of your loan payments
- Up to 3% off your current auto loan interest rate.
Refinancing is quick and easy, taking as little as 1 business day. Apply online now, or request more information by filling out this quick contact request form. ➡︎
*1 No payments for 90 days: Interest will continue to accrue during the deferment period. 2 $250 Loan Payment Drawing: NO PURCHASE NECESSARY. Automatic entry with refinanced auto loan 4/1/2020-6/30/2020. Alternatively, you may send a 3 x 5″ card with your name, address, and phone number addressed to Element Federal Credit Union ATTN: $250 Off Payment Drawing, 3418 MacCorkle Ave. SE, Charleston, WV 25304. Winner will be drawn on or before July 15, 2020, and will be notified by the phone number and/or email address listed on file at the credit union. 3 Up to 3% off existing rate: APR = Annual Percentage Rate. Actual rate and repayment terms you receive are based on your individual credit score and history and may differ from rates quoted above. Offer ends September 30, 2020. Offer may not be combined with any other offer and applies to new loans only for terms 72-months and below. Up to 3% off refers to 3% off your auto loan rate from another financial institution; existing rates 12% and higher will receive 3% off, rates 8% – 11.99% will receive 2% off, rates 3.74% – 7.99% will receive 1% off. Rates will not go below the credit union’s floor rate of 2.74% APR. All loans subject to approval. Proof of rate may be required. Loans currently financed with the credit union are not eligible for promotion. Membership eligibility required.
WHAT OUR MEMBERS SAY
Nick / Member since 2007
I trust and rely on Element Federal Credit Union with both my business and personal accounts. Element has played a major role in helping me improve my credit score and organization. I’ve never been treated better or with more respect by any financial institution.
Shantrace / Member since 2012
Element has been instrumental in getting my finances in order. They’ve done everything from protecting me against fraudulent charges to financing my auto loan. If you’re looking for a great credit union, then Element Federal Credit Union is the one you want!
Rhonda / Member since 2013
Out of all the financial institutions I have used in my lifetime, Element is by far my favorite. They even have custom, instant issue debit cards with great designs. I have Zombie Chickens on my card. Who knew? They also have lots of shared branches around the nation, and that’s just really cool!
Linda / CEO since 1998
I joined Element in 1998. I thought it was just a short pitstop until my next, big adventure. I was wrong. This was the start of my great adventure. I’m glad I stayed and continue to love what I do for our members and our community.