Credit union · NCUA insured
Bayer Heritage Federal Credit Union Credit Card Rates
Bayer Heritage Federal Credit Union credit cards start at 12.75% APR on purchases, after any introductory rate. Rates checked October 22, 2026.
How Bayer Heritage Federal Credit Union’s credit card rates compare
Compared with banks and credit unions near Charleston, SC, where Bayer Heritage Federal Credit Union has the most branches. Ongoing purchase APR, lowest first.
This credit union’s lowest
Bayer Heritage Federal Credit Union
12.75%APR
- Up to
- —
Mastercard Credit Card
Lowest rate
Nucor Employee's Credit Union
8.75%APR
- Up to
- —
2nd-lowest rate
Navy Federal Credit Union
10.24%APR
- Up to
- 18.00% APR
Bayer Heritage Federal Credit Union credit card score
69
Credit card score
Higher than 23% of U.S. banks and credit unions
- Purchase APRPurchase APR12.75%
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 credit card score, in each area where it has branches
Every rate
Current credit card rates
Rates from the credit union’s website. Most are “as low as” rates for the best credit; yours depends on your credit.
Mastercard Credit Card
No balance transfer fee, no cash advance fee, no annual fee. Cash advance at same rate as current rate. 25-day statement grace period. Rate discounts may apply for payment protection, auto pay, or ACH.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 12.75% | None | Credit score 730+ (Grade A+). Automatic Transfer/ACH and protection discounts may reduce rate up to max discount of 0.50%. |
| Ongoing | 13.75% | None | Credit score 680 - 729 (Grade A). Automatic Transfer/ACH and protection discounts may reduce rate up to max discount of 0.50%. |
| Ongoing | 14.75% | None | Credit score 640 - 679 (Grade B). Automatic Transfer/ACH and protection discounts may reduce rate up to max discount of 0.75%. |
| Ongoing | 16.75% | None | Credit score 600 - 639 (Grade C). Automatic Transfer/ACH and protection discounts may reduce rate up to max discount of 0.75%. |
| Ongoing | 18.00% | None | Credit score 550 - 599 (Grade D). Automatic Transfer/ACH and protection discounts may reduce rate up to max discount of 1.00%. |
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This may be incomplete or out of date, so check with the credit union before you apply.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.