Life happens. Let's talk.
Contact us first before you ever miss a payment.
Call us at 304-721-4145 or visit a branch.
Your credit union, in the good times and the hard ones
Element is a credit union that is deeply committed to helping all people. We’re here for the milestones — the first car, the new home — and just as much for the months that knock you sideways. Element LifeLine is our commitment to listening, understanding your situation, and discussing available options.
We Are People Helping All People
When life happens
Hardship comes in many forms. Whatever you’re facing, you don’t have to face it alone.
Job Loss
A layoff or a gap between jobs shouldn’t put your loan at risk. Let’s talk about options that may help while you get back on your feet.
Illness or Injury
When your health comes first, contact us as soon as possible to discuss available options.
Family Emergency
Life can change overnight. When it does, you have somewhere to turn before things pile up.
Reduced Income
Fewer hours or a smaller paycheck? We may be able to review modification options based on your circumstances.
How we can help
Reach out, and we’ll talk through what fits your situation. The sooner you call, the more options may be available.
Skip a Payment
Need a little breathing room? You may be able to skip an upcoming loan payment, so one hard month doesn’t turn into a missed payment on your record.*
Loan Modification
Facing a longer change? We’ll sit down together and explore modification options that may be available.*
Financial Wellness Coaching
Want to get ahead, not just get by? Sit down with someone who’ll help you build healthier money habits, set goals, and make a plan that fits your life. Free to members.
Budget Counseling
Not sure where your money’s going? We’ll walk through your income and expenses together and build a realistic budget that gives you room to breathe. Free to members.
How to reach out
No judgment, no runaround. We’re member-owned, so we answer to you.
We Listen
Tell us what’s going on. We’ll talk it through honestly and figure out where you stand.
We Find a Path
Together we’ll review available options and determine whether any assistance programs may be appropriate.
If something happens, call us first.
Before you miss a payment, before you worry alone — pick up the phone. We’re ready to help.
* Assistance options vary by loan type, account status, member eligibility, and applicable regulations. Not all assistance options are available for all loan types. Element LifeLine assistance, including Skip-a-Payment and loan modification, is available to members and is subject to eligibility and account review. Contacting us early may provide the greatest opportunity to explore available options; no specific outcome is guaranteed.
Benefits & Discounts
