Bayer Heritage


17612 Energy Rd
Proctor, WV 26055
See all branch locations →

Notable Rates APY Vs.Others
Savings 0.15% 0.65% →
1-Year CD 0.75% 0.67% →
2-Year CD 1.01% 0.75% →
5-Year CD 1.51% 1.15% →
30-Year Mortgage N.A. 2.72% →
15-Year Mortgage N.A. 2.36% →
HELOC N.A. 2.79% →

2021 Overview

General Credit Union Information

Bayer Heritage is an NCUA insured institution located in Proctor, WV. It was founded in 1957 and has approximately $576.63 millions in assets.

Who can join?

You are eligible for membership, if one of the following applies to you:
• Employees of Bayer Corporation that are specifically named in the BHFCU Charter.
• Immediate family of existing members.
• Individuals who live, work, worship or attend school in, or businesses and other legal entities located in:
o Wetzel County, WV
o Tyler County, WV
o Monroe County, OH
• Individuals who live, work, worship or attend school in, or businesses and other legal entities located in specific areas of the following counties:
o Marshall County, WV
o Belmont County, OH
o Licking County, OH
o Berkeley County, SC
o Charleston County, SC

NCUA Insured Yes / Federally Chartered
Charter Number # # 11836
Date Established 1957
Assets $576.63 million
Loans $450.42 million
Deposits $520.34 million
Capital $52.89 million

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.

Deposit Rates - April 19, 2021

Your Current Location: Virginia, VA 20146

Savings and Money Market Rates (Share Account Rates) APY MIN MAX
0.15% $2,500 $4,999 Learn More
CD Rates (Share Certificate Rates) APY MIN MAX
6 Mo CD
1.26% $10,000 $14,999 Learn More
6 Mo CD
1.26% $100,000 $199,999 Learn More
12 Mo CD
0.75% $10,000 $14,999 Learn More
12 Mo CD
0.75% $100,000 $199,999 Learn More
18 Mo CD
1.51% $10,000 $14,999 Learn More
18 Mo CD
1.51% $100,000 $199,999 Learn More
24 Mo CD
1.01% $10,000 $14,999 Learn More
24 Mo CD
1.01% $100,000 $199,999 Learn More
30 Mo CD
1.01% $10,000 $14,999 Learn More
30 Mo CD
1.01% $100,000 $199,999 Learn More
36 Mo CD
1.26% $10,000 $14,999 Learn More
36 Mo CD
1.26% $100,000 $199,999 Learn More
48 Mo CD
1.26% $10,000 $14,999 Learn More
48 Mo CD
1.26% $100,000 $199,999 Learn More
60 Mo CD
1.51% $10,000 $14,999 Learn More
60 Mo CD
1.51% $100,000 $199,999 Learn More

Loan Rates - April 19, 2021

Your Current Location: Virginia, VA 20146

There are currently no loan rates available for BAYER HERITAGE

Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:

Featured - Virginia 30 Year Fixed Mortgage Rates 2021

Lender APR Rate (%) Points Fees Monthly
Learn More
Rocket Mortgage
NMLS ID: 3030
3.368% 3.250% 1.00 $3,750 $1,089 Learn More

Featured - Virginia Home Equity Line Of Credit Rates 2021

Lender APR (%)? Monthly Payment? Learn More
Test Advertiser QA
Test Advertiser QA
See Table
0.000 %
$0 Learn More
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Third Federal Savings and Loan
Third Federal Savings and Loan
See Table
2.240 %
$0 Learn More
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Bethpage Federal Credit Union
Bethpage Federal Credit Union
See Table
Intro APR
2.990 %
After Intro: 3.750 %
Intro Period: 12 months
$25,000 Learn More
More Info

To upload and update your bank's rates please register. It is free to register and add rates.



Below are Bayer Heritage branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.

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Bayer Heritage Locations

Financial Details

Bayer Heritage Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Bayer Heritage. The data is provided by the NCUA. All credit unions on BestCashCow, except those specified as not NCUA-insured in the overview section above, are NCUA-insured. Depositors should be careful to remain within NCUA insurance limits.

Texas Ratio
Bayer Heritage U.S. Average
11.42% 5.40

The Texas Ratio compares the amount of loans at risk and assets repossessed with the amount a credit union has on hand to cover any losses. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a credit union has to absorb its loan losses.

As of December 31, 2020, Bayer Heritage had $6,251,999 in non-current loans and $78,733 in owned assets. To cover these potential losses it had $52,888,392 in net worth and $2,550,837 in loans loss reserves. That gives it a Texas Ratio of 11.42%.

Net Worth
Bayer Heritage U.S. Average
9.17% 12.67%

Bayer Heritage FCU has a net worth of 9.17% versus the BestCashCow average of 12.67. Net worth measures how much total assets exceed total liabilities. The higher the net worth number the more secure a credit union is considered.

Frequently Asked Questions About Bayer Heritage

Branches and Savings

What is Bayer Heritage?

A federal credit union, registered with the NCUA under certificate #11836.
Learn more about credit unions here.

Is Bayer Heritage FDIC insured?

No, credit unions are not insured by the FDIC. Most, but not all, are insured by the National Credit Union Administration. The insurance provisions of the NCUA are similar to, but not identical to, FDIC insurance. Bayer Heritage is insured by the NCUA.

Who can join Bayer Heritage?

Please see Field of Membership information above for information on who is eligible to join.

What are Bayer Heritage's share account and share certificate rates?

Bayer Heritage's deposit account rates are listed above.
You may find better online savings rates here or better local savings rates at banks or credit unions. Tables with the best CD rates are here.

How big is Bayer Heritage?

Bayer Heritage has total capital of $52.89 million. Full information on Bayer Heritage's financial position is located above.

Who owns Bayer Heritage?

Credit Unions are owned by their members.

Where are Bayer Heritage branches located?

See branch locations nearby.

Are Bayer Heritage ATMs Open 24/7?

Do Bayer Heritage ATMs accept cash deposits?

Can Bayer Heritage customers use other ATMs? What is the charge for withdrawing money from another ATM?

Does Bayer Heritage have a mobile app?

Does Bayer Heritage have mobile deposit?

Does Bayer Heritage have quick pay?

How can Bayer Heritage transfer money to other banks or credit unions?

Does Bayer Heritage report to credit bureaus?

Does Bayer Heritage use Chexsystems?

Does Bayer Heritage use Equifax?

What is Bayer Heritage's toll free phone number?

What is Bayer Heritage's ACH Routing Number?

What is Bayer Heritage's SWIFT code?

Where can I find Bayer Heritage's wire transfer form?

What is the Bayer Heritage address for deposits?

What Products Does Bayer Heritage Offer

Does Bayer Heritage offer mortgages?

Compare mortgage rates here.

Does Bayer Heritage offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does Bayer Heritage offer auto and RV loans?

Compare auto loan rates here.

Does Bayer Heritage offer student loans or personal loans?

Compare personal loan rates here.

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