The Element Federal Credit Union All Credit Levels is a cdfi lender from Element Federal Credit Union. Rewards: 2% Cash Back with the Passport Card. This product reports activity to your personal credit report. Element Federal Credit Union is a community-focused credit union located in Charleston, WV, dedicated to providing exceptional financial services and fostering local economic growth. They serve individuals and businesses in West Virginia, offering a range of financial products designed to empower their members. Services include: personal loans, auto loans. US Treasury certified CDFI Credit Union in Charleston, WV. Membership required.