Bayer Heritage Federal Credit Union

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 578th largest credit union in the nation. It was established in 1957 and as of September of 2019, it had grown to 137 employees and 35,773 members at 10 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

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Reviews (3)

Convenient banking with smiles

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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: |

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 - YTD0.97%
Return on Equity - YTD10.22%
Annual Interest Income$15.7MM
Assets and Liabilities
AssetsQ3 2019vs Q3 2018$505.9MM$488.7MM
LoansQ3 2019vs Q3 2018$422.4MM$392.1MM
DepositsQ3 2019vs Q3 2018$454.1MM$443.6MM
Equity CapitalQ3 2019vs Q3 2018$48.3MM$43.5MM
Loan Loss AllowanceQ3 2019vs Q3 2018$2.3MM$2.5MM
Unbacked Noncurrent LoansQ3 2019vs Q3 2018$3.2MM$3.5MM
Real Estate OwnedQ3 2019vs Q3 2018$79.00K$166.00K
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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
2.02%$500-36 - 47 Month Share Certificate
1.77%$500-24 - 35 Month Share Certificate
1.51%$500-12 - 23 Month Share Certificate
1.26%$500-6 - 11 Month Share Certificate
1.00%$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
2.02%$500-36 - 47 Month IRA Certificate
1.77%$500-24 - 35 Month IRA Certificate
1.51%$500-12 - 23 Month IRA Certificate
1.26%$500-6 - 11 Month IRA Certificate
1.00%$500-3 - 5 Month IRA Certificate

Cities: Baytown, Goose Creek, Martinsburg, Moundsville, New Martinsville, Pittsburgh, Proctor, Zanesville

Baytown Branches
Branch Office8500 W Bay Rd # 32Baytown, TX 77523-8727
Branch Office3800 Massey Tompkins RdBaytown, TX 77521

Goose Creek Branches
Branch Office309 N Goose Creek BlvdGoose Creek, SC 29445

Martinsburg Branches
Branch Office5550 Winchester Ave Suite 9Martinsburg, WV 25405

Moundsville Branches
Branch Office411 Lafayette AveMoundsville, WV 26041

New Martinsville Branches
Branch Office178 N State Route 2New Martinsville, WV 26155

Pittsburgh Branches
Branch Office111 Parkwest DrPittsburgh, PA 15275-1112
Branch Office102 Bayer RdPittsburgh, PA 15205-9707

Proctor Branches
Branch Office17612 Energy RdProctor, WV 26055

Zanesville Branches
Branch Office1917 Ridge AveZanesville, OH 43701-4146

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