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 Bayer Heritage Federal Credit Union Rates & Review August 2026
Content reviewed by
Brian McKay
Brian McKayFounder & Data ArchitectExpertise
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
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Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
✓Fact Checked
Rates Last Updated and Verified: August 28, 2026
Bayer Heritage Federal Credit Union's 12 month rates are at 3.75%, 12 month CD rates are at 3.70%, JUMBO CDS 12 month rates are at 3.60%, 12 month rates are at 3.55%, JUMBO CDS 18 month rates are at 3.55%. Bayer Heritage Federal Credit Union's Personal Loan Rates are at 4.00%. MonitorBankRates evaluates the financial stability of Bayer Heritage Federal Credit Union with a 5.0 Star Rating, an A Overall Health Grade, and a Texas Ratio of 10.76%. Rates last updated and verified on 08/28/2026. Bayer Heritage Federal Credit Union money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at Bayer Heritage Federal Credit Union? Share your experience about Bayer Heritage Federal Credit Union by leaving a review below, or read customer reviews before you decide to use Bayer Heritage Federal Credit Union. Bayer Heritage Federal Credit Union
Main 788 N State Route 2
https://bayerhfcu.com New Martinsville, WV 26155 
Bayer Heritage Federal Credit Union CD Rates
Bayer Heritage Federal Credit Union Savings Rates
Bayer Heritage Federal Credit Union Checking Rates
Bayer Heritage Federal Credit Union Auto Loan Rates
Methodology & Data SourcesMonitorBankRates Star Rating
Our rating for Bayer Heritage Federal Credit Union is derived from comprehensive financial data published quarterly by the NCUA. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with member feedback (user reviews) to help you make informed banking decisions.
Texas Ratio
We calculate the Texas Ratio using standard industry methodology. This ratio compares the credit union's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.
Rate Data Aggregation
We gather Bayer Heritage Federal Credit Union rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.
Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions.
It is always advisable to check with Bayer Heritage Federal Credit Union's official website for the most current offers and terms.
Credit Union Profile & Overview
Credit Union Name
Bayer Heritage Federal Credit Union
Website
https://bayerhfcu.com
Address
788 N State Route 2,
New Martinsville, WV 26155
Phone
304-455-4029
Fax
304-455-6782
President
Charles Racer II
CEO
Robert Burrow
Full-Time Employees
146
Part-Time Employees
10
Branch Locations
11
ATM Locations
9
NCUA Insured
✓ Yes — Up to $250,000 per depositor
FinancialsMonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A (95/100)
Texas Ratio
10.76%
Return on Assets (ROA)
0.6332%
Return on Equity (ROE)
6.5622%
Non-Performing Loans Ratio (NPL)
1.46%
Total Assets
781,365,383
Total Amount of Shares and Deposits
703,592,672
Total Shares and Deposits < 1 Year
626,427,412
Total Shares and Deposits 1 3 Years
53,993,666
Total Shares and Deposits > 3 Years
23,171,594
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
44,502,447
Total Uninsured Shares and Deposits > $250K (F+J)
44,502,447
Total Insured Shares and Deposits > $250K (item 17 less item K)
659,090,225
Total Interest Expense (Sum of items 6 8)
10,304,068
Share Certificates
7,776
Number of Accounts for Share Drafts
23,995
IRA KEOGH Accounts
3,088
Number of Accounts for Regular Shares
53,468
Net Worth Classification if credit union is not new (Based upon Call Report data only See instructions)
Well Capitalized
Net Worth Classification if credit union is a new credit union
Well Capitalized
Total Cash on Deposit (Amounts Deposited in Financial Institutions)
32,748,435
Total Liabilities
709,344,240
Source: NCUA — Last Updated 09/30/2025
Customer Reviews
There are no reviews for Bayer Heritage Federal Credit Union yet. Feel free to create one below.
Looking for more bank and credit union reviews?
Visit our Community Reviews hub to read what other members are saying, ask questions, and join the conversation.
Add Your Rating and Review for Bayer Heritage Federal Credit Union
Frequently Asked Questions About Bayer Heritage Federal Credit UnionHow many branches does Bayer Heritage Federal Credit Union operate?Bayer Heritage Federal Credit Union currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes. Is a member application needed to join Bayer Heritage Federal Credit Union?Yes, to access services at Bayer Heritage Federal Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations. Is there a first-time homebuyer program?Currently, Bayer Heritage Federal Credit Union does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing. Are credit management and repair services offered?While formal credit repair services are not currently listed, Bayer Heritage Federal Credit Union provides members with tools to manage their accounts and build a solid financial history. Does Bayer Heritage Federal Credit Union offer online and mobile banking?Most modern institutions like Bayer Heritage Federal Credit Union provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://bayerhfcu.com. Current Bayer Heritage Federal Credit Union Rates
Retrieved from our database of financial products. Rates subject to change.
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