Bank anywhere, anytime with our mobile app.
Empowers you to learn at any age
You can FEEL the positivity when you walk through the door.
Home is where the heart is. Our heart is here.
Engaged organizations and individuals build strong communities
Your next chapter. Your place to belong.
Member owned
Local people. Personal help.
Federally insured by NCUA
Have questions? Let’s talk.
You don’t have to figure it all out on your own. Our local team is here to listen and help you take the next step.
For your security, please don’t include Social Security numbers, account details, or identification documents in regular email.
More than an account. A connection.
People who know you
A local team that listens, answers questions, and treats you with respect.
Banking for real life
Savings, checking, loans, and digital tools to help you manage your money.
Community at our core
A cooperative rooted in West Virginia and committed to helping people move forward.
Everyday banking
Looking for savings, checking, or a fresh start? Tell us what you need, and we’ll help you get started.
Start My Membership RequestYouth and teen accounts
Help a child or teen build money skills. Our team will explain account options and what a parent or guardian needs to provide.
Ask About Youth AccountsBusiness and nonprofit
Your business or nonprofit has its own goals. Let’s talk about account options and the documents you’ll need.
Connect With Our Team#ThePlaceYouBelong
Your Place to Belong Starts Here
Tell us a little about yourself. Our team will reach out and guide you through the next steps.
Good questions. Clear answers.
How to Join Element Federal Credit Union
Here’s what to expect as you take your first step. Open any question below to learn more.
How do I become an Element member?
Complete the short membership request on this page. Our team will contact you to confirm eligibility, explain account options, and help you complete the required documents, identity verification, and opening deposit.
Who can join Element Federal Credit Union?
You must meet Element’s membership eligibility requirements to join. Our team will help determine whether you qualify before you complete account setup.
Have an eligibility question? Call (304) 721-4145.
What do I need to establish an account?
Our team will explain the requirements for your account. These may include:
- A government-issued photo ID.
- Your Social Security number or applicable taxpayer identification number.
- Current contact information.
- Proof of address.
- An opening deposit.
Please provide sensitive information only through the secure process our team directs you to use.
Can I start my membership request online?
Yes. You can complete the initial membership request on this page. An Element team member will follow up to help you complete the next steps.
Does submitting a request establish membership?
A request starts the process. Membership is established after eligibility is confirmed and all required account-opening steps are completed.
Do I need a loan to become a member?
No. You can join Element for savings, checking, or other banking needs without applying for a loan. Membership eligibility and loan approval are reviewed separately.
Where is Element Federal Credit Union located?
Element Federal Credit Union is based in Charleston, West Virginia. View our branch locations and hours or call (304) 721-4145 for assistance.