Bayer Heritage Federal Credit Union
Headquarters
788 N State Route 2
New Martinsvill, WV 26155
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2024 Overview
General Credit Union Information
Bayer Heritage is an NCUA insured institution located in New Martinsvill, WV. It was founded in 1957 and has approximately $871.97 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 | $871.97 million |
| Loans | $601.26 million |
| Deposits | $802.60 million |
| Capital | $69.30 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 - November 17, 2024
Your Current Location: Ohio, OH 43085
| Savings and Money Market Rates (Share Account Rates) | APY | MIN | MAX | |
|---|---|---|---|---|
| SAV
|
0.10% | $5 | - |
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|
| CD Rates (Share Certificate Rates) | APY | MIN | MAX | |
|---|---|---|---|---|
| 3 Mo CD
|
3.93% | $100 | - |
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|
| 6 Mo CD
|
3.93% | $100 | - |
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|
| 12 Mo CD
|
3.93% | $100 | $100,000 |
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|
| 12 Mo CD
|
3.98% | $100,000 | - |
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|
| 12 Mo CD
|
4.03% | $250,000 | - |
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|
| 12 Mo CD
|
4.08% | $500,000 | - |
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|
| 18 Mo CD
|
3.93% | $100 | - |
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|
| 18 Mo CD
|
3.98% | $100,000 | - |
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|
| 24 Mo CD
|
3.82% | $100 | - |
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|
| 24 Mo CD
|
3.87% | $100,000 | - |
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|
| 30 Mo CD
|
3.77% | $100 | - |
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|
| 30 Mo CD
|
3.82% | $100,000 | - |
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|
| 36 Mo CD
|
3.72% | $100 | - |
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|
| 36 Mo CD
|
3.77% | $100,000 | - |
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|
| 48 Mo CD
|
3.67% | $100 | - |
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|
| 48 Mo CD
|
3.72% | $100,000 | - |
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|
| 60 Mo CD
|
3.82% | $100 | - |
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|
| 60 Mo CD
|
3.87% | $100,000 | - |
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|
| Variable IRA Rates | APY | MIN | MAX | |
|---|---|---|---|---|
| IRA Savings
|
0.25% | $0 | - | Learn More |
Loan Rates - November 17, 2024
Your Current Location: Ohio, OH 43085
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 - Ohio 30 Year Fixed Mortgage Rates 2024
| Lender | APR | Rate (%) | Points | Fees | Monthly Payment |
Learn More |
|---|---|---|---|---|---|---|
NMLS ID: 1835285 |
6.494% | 6.375% | 0.75 | $4,000 | $1,997 | Learn More |
NMLS ID: 1025894 |
6.868% | 6.750% | 1.00 | $3,884 | $2,076 | Learn More |
NMLS ID: 1907 |
7.181% | 7.125% | 0.63 | $1,802 | $2,156 | Learn More |
NMLS ID: 3030 |
7.225% | 7.125% | 1.00 | $3,200 | $2,156 | Learn More |
Featured - Ohio Home Equity Line Of Credit Rates 2024
| Lender | APR (%)? | Monthly Payment? | Learn More |
|---|---|---|---|
Third Federal Savings and Loan See Table |
Intro APR 7.490 % After Intro: 7.490 % |
$0 |
Learn More
More Info |
Note to Bayer Heritage
To upload and update your bank's rates please register.
It is free to register and add rates.
Branches
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.
Your Location:
Columbus,Ohio
Bayer Heritage Locations around zip code 43085
| Branch | Distance | Map | View Lobby Hours |
|---|---|---|---|
| 51.32 | A | View Lobby Hours | |
| 119.24 | B | View Lobby Hours | |
| 120.96 | C | View Lobby Hours | |
| 152.37 | D | View Lobby Hours | |
| 153.78 | E | View Lobby Hours | |
| 505.53 | F | View Lobby Hours | |
| 505.53 | G | View Lobby Hours | |
| 946.46 | H | View Lobby Hours |
Climate Policy and Initiatives
BAYER HERITAGE is encouraged to provide us with this information. When we receive this information from the credit union, we will provide it here.
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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 |
|---|---|
| 8.25% | 5.83 |
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 June 30, 2024, Bayer Heritage had $5,896,152 in non-current loans and $20,000 in owned assets. To cover these potential losses it had $69,296,221 in net worth and $2,451,559 in loans loss reserves. That gives it a Texas Ratio of 8.25%.
Net Worth
| Bayer Heritage | U.S. Average |
|---|---|
| 7.94% | 13.93% |
Bayer Heritage FCU has a net worth of 7.94% versus the BestCashCow average of 13.93. Net worth measures how much total assets exceed total liabilities. The higher the net worth number the more secure a credit union is considered.
Customer Reviews for Bayer Heritage
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