Featured Savings Rates
Featured Accounts

Bayer Heritage Federal Credit Union

Popular Accounts at this Credit Union

APYACCOUNT TYPEACCOUNT NAME
2.02%5-year CD60 Month Share Certificate
1.76%4-year CD48 - 59 Month Share Certificate
2.02%5-year IRA60 Month IRA Certificate (Traditional, CESA, Roth)

Overview / Commentary
304-455-4029
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 591st largest credit union in the nation. It was established in 1957 and as of December of 2015, it had grown to 124 employees and 35,030 members at 10 locations. Bayer Heritage Federal Credit Union's savings rates are 44% 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 Boosts Rates On Long-Term CDs - 2/5/2016

Bayer Heritage FCU raised rates on its long-term CDs: 48-59 month (2.02% APY) and 60-month (2.27% APY). Minimum deposit is $500, with no balance cap. Also available as IRAs.

Bayer Heritage FCU Raises Rates On Long-Term CDs - 8/11/2015

Bayer Heritage (FCU) raised rates on its 48-59 month CD (2.02% APY) and 60-month CD (2.27% APY). 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
B+

Health Grade Components

Overall
NCUA #11836
Year Chartered1957
Employees124
Primary Regulator
Profit Margin
Return on Assets - YTD0.55%
Return on Equity - YTD5.7%
Annual Interest Income$15.2MM
Assets and Liabilities
AssetsQ4 2015vs Q4 2014$397.7MM$371.6MM
LoansQ4 2015vs Q4 2014$322.5MM$291.0MM
DepositsQ4 2015vs Q4 2014$348.3MM$333.4MM
Equity CapitalQ4 2015vs Q4 2014$38.4MM$37.1MM
Loan Loss AllowanceQ4 2015vs Q4 2014$1.9MM$2.0MM
Unbacked Noncurrent LoansQ4 2015vs Q4 2014$4.0MM$5.2MM
Real Estate OwnedQ4 2015vs Q4 2014$721.00K$763.00K
Rates
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Bayer Heritage Federal Credit Union Savings Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.75%--Traditional IRA Savings
0.25%--Christmas Club
0.15%--Savings
0.15%--Vacation Club

Bayer Heritage Federal Credit Union CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
2.02%$500-60 Month Share Certificate
1.76%$500-48 - 59 Month Share Certificate
1.51%$500-36 - 47 Month Share Certificate
1.26%$500-24 - 35 Month Share Certificate
1.00%$500-12 - 23 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

APYMINMAXACCOUNT NAMEVIEW DETAILS
2.02%$500-60 Month IRA Certificate
1.76%$500-48 - 59 Month IRA Certificate
1.51%$500-36 - 47 Month IRA Certificate
1.26%$500-24 - 35 Month IRA Certificate
1.00%$500-12 - 23 Month IRA Certificate
0.75%$500-6 - 11 Month IRA Certificate
0.50%$500-3 - 5 Month IRA Certificate
Locations


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 Office309 N Goose Creek BlvdGoose Creek, SC 29445-2969
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