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iAdvertiser Disclosure
Advertiser Disclosure
Some institutions listed may have a business relationship with MonitorBankRates. Our proprietary systems independently track and verify all rates. Advertiser relationships do not influence our Safety Ratings, Star Ratings, Texas Ratio calculations, or the rates shown.
 Bayer Heritage Federal Credit Union Rates & Review April 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.
Read Full Bio →
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: April 23, 2026
You can compare Bayer Heritage Federal Credit Union rates to other rates in our database, including 12-month share certificate rates currently at 3.25%, 6-month share certificate rates at 3.75% and 3-month share certificate rates at 3.02%. Savings rates are at 0.04% and money market rates are at 0.25%. Mortgage rates on 30-year fixed loans are around 6.16%. All these rates can be compared to Bayer Heritage Federal Credit Union rates. 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 11.87%. Rates were last updated on 04/23/2026. 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 
Current Rate AvailabilityWe do not have Bayer Heritage Federal Credit Union rates right now, but we are constantly updating our database so check back often for updated 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 (94/100)
Texas Ratio
11.87%
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
Total Cash on Deposit (Amounts Deposited in Financial Institutions)
32,748,435
Total Liabilities
709,344,240
Source: NCUA — Last Updated 09/30/2025
Frequently Asked Questions About Bayer Heritage Federal Credit UnionIs Bayer Heritage Federal Credit Union a safe place to deposit money?Yes, Bayer Heritage Federal Credit Union is considered a safe financial institution. With a Texas Ratio of 11.874396241245%, the institution's financial health is rated as excellent. Your accounts are federally insured by the NCUA (National Credit Union Administration) up to $250,000 per depositor, for each account ownership category. How 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. Compare to Other Credit Unions
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