Credit union · NCUA insured
Bayer Heritage Federal Credit Union Savings Rates
Bayer Heritage Federal Credit Union’s best savings rate is 0.10% APY on $10,000, with its Share Account. Rates checked October 22, 2026.
How Bayer Heritage Federal Credit Union’s savings 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
0.50%APY
- Requires
- None
- Minimum
- —
- Earns on $10,000 a year
- $50
High Yield Savings
Top rate
Huntington Bank
3.25%APY
- Requires
- Another account
- Minimum
- $100
- Earns on $10,000 a year
- $325
2nd-highest rate
CPM Federal Credit Union
3.04%APY
- Requires
- None
- Minimum
- $1,000
- Earns on $10,000 a year
- $304
Bayer Heritage Federal Credit Union savings score
79
Savings score
Higher than 50% of U.S. banks and credit unions
- $1,000 balance$1,00010.00%
- $10,000 balance$10,0000.50%
- $100,000 balance$100,0000.10%
- QualifiedQualified0.50%
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 savings score, in each area where it has branches
Every rate
Current savings rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
High Yield Savings
0.50%APY
Dividends compounded daily and paid monthly. Can be opened and funded via mobile app or online banking using the 'Open New Share' feature, in branch, by phone, or message in mobile banking.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Up to $1,000 | 10.00% | — |
| $1,000 – $50,000 | 0.50% | $50 |
| Over $50,000 | 0.10% | — |
Sources (3)
- bayerhfcu.com/bank/high-yield-savings
- bayerhfcu.com/invest/rates/dividend-rates
- bayerhfcu.com/bank/other-deposit-accounts/share-accounts
All captured Oct 4, 2026
Share Account
0.10%APY
Must maintain a minimum $5.00 balance and keep account active with a yearly transaction to remain a member. Dividends posted monthly. Compounded daily and paid monthly. No monthly maintenance fee.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $5 and up | 0.10% | $10 |
Sources (2)
All captured Oct 4, 2026
Special-purpose accounts
IRA Account
0.25%APY
Includes Traditional IRA, Roth IRA, and Coverdell Education Account. Dividends compounded daily and paid monthly. Accepts direct transfers, direct rollovers, and eligible IRA contributions.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Any balance | 0.25% | $25 |
Sources (2)
All captured Oct 4, 2026
Christmas Club
0.20%APY
Can be opened at any time. Automatic transfer of Christmas Club funds to savings or checking account on October 1. Monthly dividends compounded daily and paid monthly. $5 early withdrawal penalty and new Christmas Club cannot be opened until the following year.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Any balance | 0.20% | $20 |
Sources (2)
All captured Oct 4, 2026
Vacation Club
0.15%APY
Can be opened at any time. No minimum balance or monthly deposit required. Monthly dividends compounded daily and paid monthly.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Any balance | 0.15% | $15 |
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.