--- title: "Bayer Heritage Credit Union Rates - West Virginia" description: "Current personal loan, and savings & cd rates from Bayer Heritage Credit Union in West Virginia. Updated daily with source verification. See who can join Bayer Heritage Credit Union — verified membership eligibility with the requirements and cost to join." canonical: "https://rateapi.dev/credit-unions/west-virginia/bayer-heritage" last-updated: "2026-11-13" source: "https://rateapi.dev/llms.txt" --- # Bayer Heritage Credit Union Rates - West Virginia ### Personal loan rates 5 offers | Product | Published | Rate | Term / condition | Status | | **PERSONAL/signature Advances (730+)** personal_unsecured | — APR | 12.750% | — | Standard | | **PERSONAL/signature Advances (680 - 729)** personal_unsecured | — APR | 13.750% | — | Standard | | **PERSONAL/signature Advances (640 - 679)** personal_unsecured | — APR | 14.750% | — | Standard | | **PERSONAL/signature Advances (600 - 639)** personal_unsecured | — APR | 16.750% | — | Standard | | **PERSONAL/signature Advances (550 - 599)** personal_unsecured | — APR | 18.000% | — | Standard | Bayer Heritage Credit Union personal loan rates as of November 12, 2026 ### Savings & CD rates 20 offers | Product | Published | Rate | Term / condition | Status | | **30-Month Certificate** cd_30mo | — APY | 3.49% | 30 mo | Standard | | **30-Month IRA Certificate** ira_cd_30mo | — APY | 3.50% | 30 mo | Standard | | **18-Month Certificate** cd_18mo | — APY | 4.00% | 18 mo | Standard | | **18-Month IRA Certificate** ira_cd_18mo | — APY | 4.00% | 18 mo | Standard | | **12-Month IRA Certificate** ira_cd_12mo | — APY | 4.00% | 12 mo | Standard | | **12-Month Certificate** cd_12mo | — APY | 4.00% | 12 mo | Standard | | **18-Month Certificate** cd_18mo | — APY | 4.02% | 18 mo | Standard | | **24-Month Certificate** cd_24mo | — APY | 4.05% | 24 mo | Standard | | **24-Month IRA Certificate** ira_cd_24mo | — APY | 4.05% | 24 mo | Standard | | **36-Month IRA Certificate** ira_cd_36mo | — APY | 4.10% | 36 mo | Standard | | **36-Month Certificate** cd_36mo | — APY | 4.10% | 36 mo | Standard | | **18 Months** cd_24mo | — APY | 4.10% | 24 mo | Standard | | **48-Month IRA Certificate** ira_cd_48mo | — APY | 4.15% | 48 mo | Standard | | **48-Month Certificate** cd_48mo | — APY | 4.15% | 48 mo | Standard | | **60-Month Certificate** cd_60mo | — APY | 4.20% | 60 mo | Standard | | **12 Months** cd_48mo | — APY | 4.20% | 48 mo | Standard | | **36 Months** cd_24mo | — APY | 4.20% | 24 mo | Standard | | **60-Month IRA Certificate** ira_cd_60mo | — APY | 4.20% | 60 mo | Standard | | **48 Months** cd_24mo | — APY | 4.25% | 24 mo | Standard | | **60 Months** cd_24mo | — APY | 4.30% | 24 mo | Standard | Bayer Heritage Credit Union savings & cd rates as of November 12, 2026 ### Other rates 1 offer | Product | Published | Rate | Term / condition | Status | | **549 or Less** other | — % | 14.250% | — | Standard | Bayer Heritage Credit Union other rates as of November 12, 2026 Bayer Heritage Credit Union is a credit union in West Virginia. Rate data is being verified. > Source: [RateAPI.dev](https://rateapi.dev/credit-unions/west-virginia/bayer-heritage) , verified from [Bayer Heritage Credit Union's official website](https://www.bayerhfcu.com/) Loading branch locator… ## About Bayer Heritage Credit Union Institution facts reported to the National Credit Union Administration for Invalid Date. Members 45K Assets $801.1M Founded 1957 Locations reported 11 NCUA charter 11836 Charter type Federal credit union ### Services and member support - Online membership application - Online loan application - Open an account online - Electronic statements - Mobile check deposit - Mobile payments - Financial counseling - Financial education - Bilingual services - Student scholarships Source: [NCUA quarterly call report](https://ncua.gov/analysis/credit-union-corporate-call-report-data/quarterly-data) . Services are institution-reported; confirm availability with the credit union. ### Other credit unions with branches nearby Compare membership, services, and rates from other institutions with an NCUA-reported branch nearby. [**Long Reach** Middlebourne · Middlebourne · WV · 26149-9602 About 11.9 miles away](https://rateapi.dev/credit-unions/west-virginia/long-reach) [**Marshall County** Marshall County Commission · Moundsville · WV · 26041-1605 About 20.2 miles away](https://rateapi.dev/credit-unions/west-virginia/marshall-county) [**Fairmont** Mannington · Mannington · WV · 26582-7154 About 24.8 miles away](https://rateapi.dev/credit-unions/west-virginia/fairmont) [**Willow Island** WILLOW ISLAND FEDERAL CREDIT UNION · SAINT MARYS · WV · 26170 About 28.8 miles away](https://rateapi.dev/credit-unions/west-virginia/willow-island) [**Ohio County Public Schools** OHIO COUNTY BOARD OF EDUCATION · WHEELING · WV · 26003 About 29.2 miles away](https://rateapi.dev/credit-unions/west-virginia/ohio-county-public-schools) [**First Choice America Community** Elm Grove Office · Wheeling · WV · 26003 About 29.5 miles away](https://rateapi.dev/credit-unions/west-virginia/first-choice-america-community) Nearest-first estimates use the center of your Census ZIP area and NCUA-reported branch locations. Distances are straight-line estimates, not driving distance. ## Who Can Join Bayer Heritage Credit Union Membership eligibility from Bayer Heritage Credit Union's own published criteria. [How we verify this](https://rateapi.dev/eligibility-methodology) . Membership criteria are published on Bayer Heritage Credit Union's website. Check the membership page below to confirm whether you qualify. - Employer Bayer Corporation - Association American Consumer Council Verified from [Bayer Heritage Credit Union's membership page](https://www.bayerhfcu.com/discover-bayer-hfcu/member-services/eligibility-requirements) . Final membership determination is always made by the credit union. ## Membership rules for Bayer Heritage Credit Union Employers · Associations · Family 2 4 published paths to membership, last verified August 27, 2026, quoted from Bayer Heritage Credit Union’s own published criteria. Source-page proposal coverage: 2 of 5 extracted claims verified; 0 withheld. Only verified rules are shown here. This measures claims found on the reviewed source page, not every possible real-world membership path. ### Employers 1 Auto-verified against the source page quoted from the credit union’s own published criteria · last verified August 27, 2026 - Employee of Bayer, Inc. “Employees of Bayer Corporation that are specifically named in the BHFCU Charter.” > [source ↗](https://www.bayerhfcu.com/discover-bayer-hfcu/member-services/eligibility-requirements) - Employee of Bayer, Inc. ### Associations 1 Auto-verified against the source page quoted from the credit union’s own published criteria · last verified August 21, 2026 - Member of American Consumer Council “You may qualify to join Bayer Heritage through our partnership with the American Consumer Council.” > [source ↗](https://www.bayerhfcu.com/discover-bayer-hfcu/member-services/eligibility-requirements) - Member of American Consumer Council ### Family 2 Auto-verified against the source page quoted from the credit union’s own published criteria · last verified August 27, 2026 - Family of a member “Immediate family of existing members.” > [source ↗](https://www.bayerhfcu.com/discover-bayer-hfcu/member-services/eligibility-requirements) - Family member of a member - Family of a member immediate family “Immediate family of existing members.” > [source ↗](https://www.bayerhfcu.com/discover-bayer-hfcu/member-services/eligibility-requirements) - Family member (immediate family) of a member Every rule cites the exact sentence it came from; absence of evidence means unknown, never no. [How we verify membership rules](https://rateapi.dev/eligibility-methodology) . Final membership determination is always made by the credit union. Is this right for Bayer Heritage Credit Union? Yes No ## Work at Bayer Heritage Credit Union? This page is seen by prospective members comparing rates — and by the AI assistants they ask. Claim this profile to correct or update rates, add missing products, and get your free rate scorecard showing where Bayer Heritage Credit Union ranks against West Virginia peers. - See which AI assistants fetched Bayer Heritage Credit Union’s rates, and how often - See which of your products the RateAPI API returned, and where you rank in West Virginia - Correct anything we publish about you that is wrong [Claim this credit union](https://rateapi.dev/for-credit-unions/claim?cu=bayer-heritage&state=west-virginia&code=WV&name=Bayer%20Heritage%20Credit%20Union) [How scorecards work](https://rateapi.dev/for-credit-unions) ## Frequently Asked Questions ### What rates does Bayer Heritage Credit Union offer? Bayer Heritage Credit Union currently offers personal loan rates. The rates shown on this page were last verified November 12, 2026 directly from the credit union's official website. ### How often are Bayer Heritage Credit Union rates updated? RateAPI verifies Bayer Heritage Credit Union's rates daily by scraping its official website, then normalizing the data. The figures on this page were last verified November 12, 2026. ### Where does RateAPI get Bayer Heritage Credit Union's rate data? Rate data is collected directly from Bayer Heritage Credit Union's official website. RateAPI has no pay-to-rank incentives; see the methodology page for how rates are collected and normalized. ### Who can join Bayer Heritage Credit Union? Bayer Heritage Credit Union publishes its membership criteria on its own website. RateAPI tracks 4 published membership paths covering 1 employer and 1 association for Bayer Heritage Credit Union, each quoted from Bayer Heritage Credit Union's own published membership criteria. Immediate family of an existing member also qualify. ## Related Rate Data Compare Bayer Heritage Credit Union's rates against national credit-union benchmarks. [More West Virginia credit unions](https://rateapi.dev/credit-unions/west-virginia) [West Virginia personal loan leaders](https://rateapi.dev/personal-loan-rates/west-virginia) [How we verify rates](https://rateapi.dev/methodology) ### Source Information Rate data is scraped directly from the credit union's official website and verified daily by our automated systems. [View Original Source](https://www.bayerhfcu.com/) ### Methodology Learn how we collect, normalize, and verify rate data with full transparency and no pay-to-rank incentives. [View Methodology](https://rateapi.dev/methodology) ## Track Bayer Heritage Credit Union rates Get a free API key to query these rates programmatically, or get the daily email when West Virginia credit union rates move. Get a free API key [Daily rate email](https://rateapi.dev/daily-rate-emails) ## Use it via API Access this data programmatically with our REST API terminal ``` # Get rates for Bayer Heritage Credit Union curl "https://api.rateapi.dev/credit-unions/west-virginia /bayer-heritage " \ -H "Authorization : Bearer YOUR_API_KEY" ``` [Explore API Documentation](https://api.rateapi.dev/) [Use with Claude](https://rateapi.dev/#mcp) Branch locator ## Bayer Heritage Credit Union locations Search, filter, and browse all 11 NCUA-reported locations. Use my location Search branches Apply Sort near a ZIP **Loading branches…** Branch services ATM Drive-through Member services Shared branch Skip to main content --- Source: https://rateapi.dev/credit-unions/west-virginia/bayer-heritage Rate data API: https://api.rateapi.dev · OpenAPI: https://api.rateapi.dev/openapi.json · MCP: https://mcp.rateapi.dev/mcp