Start the year with a home improvement loan that works for you.
The new year is the perfect time to give your home the glow-up it deserves. With Element FCU’s Home Improvement Loans, you can make those long-awaited upgrades—whether it’s a fresh coat of paint or a brand-new kitchen.
Why choose us?
Affordable, competitive rates and ZERO Processing fees.
Flexible terms from 12 to 60 months, customizable to suit your budget.
A financial institution that feels like home. We’re local to Charleston, West Virginia, made up of your friends and neighbors. Bank at a place where you’re free to be uniquely you.
Easy-peasy applications. Submit your checking account application conveniently, safely, and comfortably from your couch…real pants not required. With e-sign, you can complete the process start-to-finish without ever leaving your home.
Here’s what a few of our 5,200+ members have to 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.
Kick off 2025 with a brighter, cozier space.
Don’t wait—this is your year to shine. Start your project now with a loan that’s as easy as it is affordable.