Credit union · NCUA insured
Bayer Heritage Federal Credit Union Auto Loan Rates
Bayer Heritage Federal Credit Union auto loans start at 4.50% APR for a new vehicle and 4.50% for a used one. Rates checked October 22, 2026.
How Bayer Heritage Federal Credit Union’s auto loan rates compare
Compared with banks and credit unions near Charleston, SC, where Bayer Heritage Federal Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Bayer Heritage Federal Credit Union
4.50%APR
- Terms
- up to 60 months
- Up to
- 16.25% APR
New/Used Vehicles
Lowest rate
South Carolina State Credit Union
3.95%APR
- Terms
- up to 96 months
- Up to
- 15.49% APR
2nd-lowest rate
Santee Cooper Credit Union
4.24%APR
- Terms
- —
- Up to
- —
Bayer Heritage Federal Credit Union auto loan score
89
Auto loan score
Higher than 86% of U.S. banks and credit unions
- New vehicleNew4.50%
- Used vehicleUsed4.50%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Bayer Heritage Federal Credit Union ranks
By auto loan score, in each area where it has branches
Every rate
Current auto loan rates
Rates from the credit union’s website. Most are “as low as” rates for the best credit; yours depends on your credit, the term and the vehicle.
New/Used Vehicles
Up to 120% financing for qualified borrowers; no prepayment penalties; discounts available for Automatic Transfer/ACH (0.25%), Involuntary Unemployment Protection (0.25%), Credit Life Protection (0.25%), Credit Disability Protection (0.25%) with max discount 0.50% (A+/A), 0.75% (B/C), 1.00% (D/E). Rate/APR and term based on creditworthiness, LTV, vehicle age, and amount financed.
| Terms | APR | Conditions |
|---|---|---|
| up to 24 months | 4.00%–14.25% | Lowest rate requires score 730+ (Grade A+); highest rate applies to score 549 or Less (Grade E). |
| up to 36 months | 4.00%–15.25% | Lowest rate requires score 730+ (Grade A+); highest rate applies to score 549 or Less (Grade E). |
| up to 48 months | 4.25%–15.25% | Lowest rate requires score 730+ (Grade A+); highest rate applies to score 549 or Less (Grade E). |
| up to 60 months | 4.50%–16.25% | Lowest rate requires score 730+ (Grade A+); highest rate applies to score 549 or Less (Grade E). |
| up to 72 months | 5.00%–17.25% | Lowest rate requires score 730+ (Grade A+); highest rate applies to score 549 or Less (Grade E). |
| up to 84 months | 5.75%–17.50% | Lowest rate requires score 730+ (Grade A+); highest rate applies to score 549 or Less (Grade E). |
Sources (2)
All captured Oct 4, 2026
Who can join Bayer Heritage Federal Credit Union
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.
Membership information collected October 4, 2026.