Credit union · NCUA insured
Bayer Heritage Federal Credit Union CD Rates
Bayer Heritage Federal Credit Union’s best CD rate is 3.75% APY on a 1-year share certificate (CD). Terms run from 1 year to 5 years. Rates checked October 22, 2026.
How Bayer Heritage Federal Credit Union’s CD rates compare
Compared with banks and credit unions near Charleston, SC, where Bayer Heritage Federal Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Bayer Heritage Federal Credit Union
3.55%APY
- Term
- 12 months
- Minimum
- $100
- Earns on $10,000
- $355
Share Certificates
Top rate
Coastal States Bank
4.50%APY
- Term
- 7 months
- Minimum
- $1,000
- Earns on $10,000
- $260
2nd-highest rate
Woodforest National Bank
4.25%APY
- Term
- 9 months
- Minimum
- $500
- Earns on $10,000
- $317
Bayer Heritage Federal Credit Union CD score
76
CD score
Higher than 41% of U.S. banks and credit unions
- 9–15 months9–15 mo3.55%
- 16–30 months16–30 mo3.50%
- 31–60 months31–60 mo3.50%
- QualifiedQualified3.55%
Each track runs from the lowest to the highest rate among U.S. banks and credit unions; the dot is this rate.Qualified: needs another account or monthly activity.
Where Bayer Heritage Federal Credit Union ranks
By CD score, in each area where it has branches
Every rate
Current CD rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
Jumbo Share Certificates
Up to 3.75%APY · 7 terms
Early withdrawal penalties apply; 10-day grace period; add to certificate balance at any time.
| Term | APY · $100,000 and up | APY · $250,000 and up | APY · $500,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|---|
| 12 months | 3.60% | — | — | —3.60% from $100k | — |
| 12 monthsJumbo Certificate Specials tier | — | 3.70% | 3.75% | —3.70% from $250k3.75% from $500k | — |
| 18 months | 3.55% | — | — | —3.55% from $100k | — |
| 24 months | 3.55% | — | — | —3.55% from $100k | — |
| 30 months | 3.55% | — | — | —3.55% from $100k | — |
| 36 months | 3.55% | — | — | —3.55% from $100k | — |
| 48 months | 3.55% | — | — | —3.55% from $100k | — |
| 60 months | 3.55% | — | — | —3.55% from $100k | — |
Sources (2)
All captured Oct 4, 2026
Share Certificates
Up to 3.55%APY · 7 terms
Add to certificate balance at any time; 10-day grace period; early withdrawal penalties apply.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 months | 3.55% | $355 |
| 18 months | 3.50% | $530 |
| 24 months | 3.50% | $712 |
| 30 months | 3.50% | $898 |
| 36 months | 3.50% | $1,087 |
| 48 months | 3.50% | $1,475 |
| 60 months | 3.50% | $1,877 |
Sources (2)
All captured Oct 4, 2026
Special-purpose accounts
IRA Certificates
Up to 3.55%APY · 7 terms
Traditional and Roth IRA Share Certificates for tax deferred funds. Accepts Direct Transfers and Direct Rollovers from IRAs and Qualified Pension Plans as well as eligible IRA contributions. Early withdrawal penalties apply.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 months | 3.55% | $355 |
| 18 months | 3.50% | $530 |
| 24 months | 3.50% | $712 |
| 30 months | 3.50% | $898 |
| 36 months | 3.50% | $1,087 |
| 48 months | 3.50% | $1,475 |
| 60 months | 3.50% | $1,877 |
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.