Credit union · NCUA insured
Bayer Heritage Federal Credit Union
A $801.1M credit union headquartered in New Martinsville, WV, with 45,014 members and 11 branches in 5 states. Best rates: CDs 3.75% and savings 0.10% APY.
Bayer Heritage Federal Credit Union Carrot Score
84
Carrot Score
Higher than 64% of U.S. banks and credit unions
#8 of 28 in Charleston, SC metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About Bayer Heritage Federal Credit Union
Founded in 1957, Bayer Heritage Federal Credit Union is a member-owned financial institution.
The credit union maintains headquarters in New Martinsville, West Virginia.
- Headquarters
- 788 N State Route 2, New Martinsville, WV 26155
- NCUA charter
- 11836
Membership
Who can join
This may be incomplete or out of date, so check with the credit union before you apply.
Open to anyone
- Individuals not otherwise eligible can qualify for membership by joining the American Consumer Council (ACC) at no additional cost during the application process.
Where you live or work
- Individuals who live, work, worship or attend school in, or businesses and other legal entities located in Wetzel County (WV), Tyler County (WV), or Monroe County (OH) are eligible for membership.
- Individuals who live, work, worship or attend school in, or businesses and other legal entities located in specific areas of Marshall County (WV), Berkeley County (WV), Belmont County (OH), Licking County (OH), Berkeley County (SC), Charleston County (SC), Muskingum County (OH), or Harris County (TX) are eligible for membership.
Employers and groups
- Employees of Bayer Corporation that are specifically named in the BHFCU Charter are eligible for membership.
- Employees of Preferred Business Partners are eligible to join the credit union.
Family and household
- Immediate family members of existing members are eligible for membership.
Cost to join
- A $5.00 share account deposit is required to join.
Branches
11 branches in 5 states
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West Virginia
5 branches
New Martinsville area · 2
- MainMain office788 N State Route 2, New Martinsville, WV 26155Directions
- New Martinsville178 N State Route 2, New Martinsville, WV 26155Directions
Beckley area · 1
- Beckley3695 Robert C Byrd Dr, Beckley, WV 25801Directions
Hagerstown area · 1
- Martinsburg5550 Winchester Ave, Suite 9, Martinsburg, WV 25405Directions
Wheeling area · 1
- Moundsville411 Lafayette Ave, Moundsville, WV 26041Directions
South Carolina
3 branches
- Bushy Park1522 Bushy Park Rd, Goose Creek, SC 29445Directions
- Goose Creek309 N Goose Creek Blvd, Goose Creek, SC 29445Directions
- Nexton343 Brighton Park Blvd, Summerville, SC 29486Directions
Ohio
1 branch
- Zanesville1917 Ridge Ave, Zanesville, OH 43701Directions
Pennsylvania
1 branch
- Pittsburgh102 Bayer Rd, Pittsburgh, PA 15205Directions
Texas
1 branch
- Massey Tompkins3800 Massey Tompkins Rd, Baytown, TX 77521Directions
Walk-in offices from the NCUA directory as of March 31, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
| Measure | This credit union | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalNet worth ratio | 9.90% | 11.43% | 13.58% or more |
| Troubled loans60+ days late | 1.68% | 0.68% | 0.39% or less |
| ProfitabilityReturn on assets | 0.82% | 0.75% | 1.18% or more |
| LendingLoans per $100 deposited | $88 | $76 | — |
- CapitalNet worth ratio9.90%Peers’ middle 11.43% · Top 25% 13.58%+
- Troubled loans60+ days late1.68%Peers’ middle 0.68% · Top 25% ≤0.39%
- ProfitabilityReturn on assets0.82%Peers’ middle 0.75% · Top 25% 1.18%+
- LendingLoans per $100 deposited$88Peers’ middle $76
Compared with the 1,338 credit unions with $100 million to $1 billion in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are loans 60 or more days late.
Regulators’ own ratings of Bayer Heritage Federal Credit Union are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.