Overview / Commentary
17612 Energy Rd
Proctor, WV 26055

Bayer Heritage Federal Credit Union is headquartered in Proctor and is the largest credit union in the state of West Virginia. It is also the 565th largest credit union in the nation. It was established in 1957 and as of June of 2018, it had grown to 138 employees and 34,616 members at 9 locations. Bayer Heritage Federal Credit Union's CD rates are 68% higher than the national average, and it has a B+ health rating.

Field of Membership Restrictions

Membership is open to thosewho live, work, worship or attend school in the West Virginia counties of either Wetzel or Tyler, or in Monroe County, Ohio. Also included are specific areas in the following counties: Marshall, West Virgina; Belmont, Ohio; Licking, Ohio; Berkley, South Carolina; and Charleston, South Carolina. Membership is also open to employees of Bayer Corporation.
See current membership details

Related Posts

Bayer Heritage FCU Ups 12-23 Months CD Rate - 12/11/2017

Bayer Heritage FCU (OH/SC/WV) has raised the rate on its 12-23 months Share Certificate (1.77% APY) by 51 bps. Minimum deposit is $500. Also offered as an IRA.

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Reviews (3)

Convenient banking with smiles

Posted by: Maury | Aug 25, 2015

Bayer Heritage Federal Credit Union has many options for different types of finances. Tellers are all so friendly and willing to help with anything. I personally loved using the automated teller to get my checking account balances quickly. Transactions post to your accounts immediately, which is also a plus in my book. Checking accounts with low or now fees available and of course direct deposit. Overdraft protection is an asset as well, I had $700 worth of overdraft protection for those times when you need money and its just a few days away. I didn't get to use the mobile banking application due to not having the right kind of phone. Also the ATM was great because you can get cash in increments of $5 and you cant find that anywhere anymore.

Best banking that I have ever experienced!

Bayer Credit Usion

Posted by: lisabond | May 30, 2017

My husband and I have had a very good experience thru Bayer credit union, the hometown staff feeling is what I love the most. we currently have two vehicle loans and boat loan thru them at a very low interest rate. I did some pricing and could not find a better rate anywhere. We have a checking and a savings. We also have an ira thru them and I am very happy to keep my money there The staff is always friendly and easy to work with. Anything you need or to do with them is a very easy process. They are willing to work with you in anyway shape or form to get my needs met along with theirs. Over all we are very please with bayer credit.

Terrible Customer Service

I have been with this credit union for 5 years, every year has gotten worse with them. Customer service is terrible, the tellers and employees are rude and seem out of the loop on knowledge. The New Martinsville branch has been the worst so far. Will be switching banks within the next few months due to the way this place is run.


Health Grade Components

NCUA #11836
Year Chartered1957
Primary Regulator
Profit Margin
Return on Assets - YTD0.67%
Return on Equity - YTD7.81%
Annual Interest Income$9.1MM
Assets and Liabilities
AssetsQ2 2018vs Q2 2017$490.8MM$459.6MM
LoansQ2 2018vs Q2 2017$382.8MM$356.3MM
DepositsQ2 2018vs Q2 2017$447.0MM$417.9MM
Equity CapitalQ2 2018vs Q2 2017$42.5MM$40.5MM
Loan Loss AllowanceQ2 2018vs Q2 2017$2.5MM$2.3MM
Unbacked Noncurrent LoansQ2 2018vs Q2 2017$3.7MM$2.8MM
Real Estate OwnedQ2 2018vs Q2 2017$231.00K$42.00K
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Bayer Heritage Federal Credit Union Savings Account Rates

0.75%--IRA Savings
0.25%--Christmas Club
0.15%--Vacation Club

Bayer Heritage Federal Credit Union CD Rates

2.53%$500-60 Month Share Certificate
2.28%$500-48 - 59 Month Share Certificate
1.77%$500-36 - 47 Month Share Certificate
1.51%$500-12 - 23 Month Share Certificate
1.51%$500-24 - 35 Month Share Certificate
1.00%$500-6 - 11 Month Share Certificate
0.75%$500-3 - 5 Month Share Certificate

Bayer Heritage Federal Credit Union IRA Rates

2.53%$500-60 Month IRA Certificate
2.28%$500-48 - 59 Month IRA Certificate
1.77%$500-36 - 47 Month IRA Certificate
1.51%$500-12 - 23 Month IRA Certificate
1.51%$500-24 - 35 Month IRA Certificate
1.00%$500-6 - 11 Month IRA Certificate
0.75%$500-3 - 5 Month IRA Certificate

Bayer Heritage Federal Credit Union Locations
Branch Office1917 Ridge AveZanesville, OH 43701-4146
Branch Office111 Parkwest DrPittsburgh, PA 15275-1112
Branch Office102 Bayer RdPittsburgh, PA 15205-9707
Branch Office309 N Goose Creek BlvdGoose Creek, SC 29445
Branch Office8500 W Bay Rd # 32Baytown, TX 77523-8727
Branch Office178 N State Route 2New Martinsville, WV 26155
Branch Office5550 Winchester Ave Suite 9Martinsburg, WV 25405
Branch Office17612 Energy RdProctor, WV 26055
Branch Office411 Lafayette AveMoundsville, WV 26041

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