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Bayer Heritage Federal Credit Union

Popular Accounts at this Credit Union

2.02%5-year CD60 Month Share Certificate
1.77%4-year CD48 - 59 Month Share Certificate
2.02%5-year IRA60 Month IRA Certificate (Traditional, CESA, Roth)

Overview / Commentary
17612 Energy Rd
Proctor, WV 26055

Bayer Heritage Federal Credit Union is headquartered in Proctor and is the 2nd largest credit union in the state of West Virginia. It is also the 597th largest credit union in the nation. It was established in 1957 and as of September of 2016, it had grown to 133 employees and 35,498 members at 9 locations. Bayer Heritage Federal Credit Union's CD rates are 40% higher than the national average, and it has an A 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 60-Month CD By 25 Basis Points - 6/2/2016

Bayer Heritage FCU (WV, OH, SC) has raised the rate on its 60-month (2.27% APY) by 25 basis point. Minimum deposit is $500, with no balance cap. Also available as IRAs.

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Reviews (2)

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!

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 - YTD0.35%
Return on Equity - YTD3.65%
Annual Interest Income$11.7MM
Assets and Liabilities
AssetsQ3 2016vs Q3 2015$418.7MM$392.6MM
LoansQ3 2016vs Q3 2015$334.2MM$314.4MM
DepositsQ3 2016vs Q3 2015$377.0MM$343.9MM
Equity CapitalQ3 2016vs Q3 2015$39.9MM$37.9MM
Loan Loss AllowanceQ3 2016vs Q3 2015$2.1MM$1.9MM
Unbacked Noncurrent LoansQ3 2016vs Q3 2015$3.3MM$4.1MM
Real Estate OwnedQ3 2016vs Q3 2015$193.00K$762.00K
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Bayer Heritage Federal Credit Union Savings Account Rates

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

Bayer Heritage Federal Credit Union CD Rates

2.02%$500-60 Month Share Certificate
1.77%$500-48 - 59 Month Share Certificate
1.51%$500-36 - 47 Month Share Certificate
1.26%$500-12 - 23 Month Share Certificate
1.26%$500-24 - 35 Month Share Certificate
0.75%$500-6 - 11 Month Share Certificate
0.50%$500-3 - 5 Month Share Certificate

Bayer Heritage Federal Credit Union IRA Rates

2.02%$500-60 Month IRA Certificate
1.77%$500-48 - 59 Month IRA Certificate
1.51%$500-36 - 47 Month IRA Certificate
1.26%$500-12 - 23 Month IRA Certificate
1.26%$500-24 - 35 Month IRA Certificate
0.75%$500-6 - 11 Month IRA Certificate
0.50%$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 Office100 Bayer Rd # B-6Pittsburgh, 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