Bayer Heritage Credit Union Summerville SC | Best Auto Loans & Business Banking

Introduction

Welcome to Bayer Heritage, your trusted financial partner located at 343 Brighton Park Blvd, Summerville, SC 29486. Since our establishment in 1957, we have been committed to serving our community with integrity and dedication. With over 43,911 members and a strong financial foundation of $869,109,548 in total assets, we are proud to offer a variety of services tailored to meet your needs. At Bayer Heritage, we believe that banking should be personal. Our dedicated team of 155 employees, led by CEO Robert Burrow and Board President Charles Racer II, is here to provide you with exceptional service. Whether you're looking for checking and savings accounts, auto loans, or mortgage refinancing, we have options that fit every lifestyle. While members can visit us at our branch for all their banking needs, official correspondence should be sent to the same address: 343 Brighton Park Blvd, Summerville, SC 29486. We invite you to explore our website at bayerhfcu.com for more information about our offerings. Join us on this journey towards financial success. With over $128,130,085 in total deposits and a net worth of $70,036,178, Bayer Heritage stands ready to help you achieve your financial goals. Feel free to reach out at 843-820-6070 or visit us during our lobby hours from 9:00 AM to 5:00 PM Monday through Friday. Together, let's build a brighter financial future!

Branch History & Mission

At Bayer Heritage, we proudly reflect on our journey since opening our doors in 1957. Nestled in the heart of Summerville, SC, at 343 Brighton Park Blvd, our branch has grown from humble beginnings to a thriving financial institution serving over 43,911 members. With total assets reaching an impressive $869,109,548, we are committed to providing quality financial services that empower individuals and families in our community. Our mission is clear: to provide accessible and affordable financial services while fostering a strong sense of community. We believe that banking should not just be about transactions; it's about building relationships. Our dedicated team works tirelessly to understand the unique needs of our members, offering personalized solutions that help them achieve their financial goals. Whether it's a new auto loan, a mortgage, or everyday banking services, we aim to make each interaction meaningful and impactful. Over the years, Bayer Heritage has embraced technology and innovation to enhance our services. We offer online and mobile banking options that allow members to manage their accounts anytime, anywhere. Additionally, our commitment to accessibility ensures that all individuals can utilize our services with ease. Community support is at the core of what we do. We actively engage in outreach efforts, partnering with local organizations to uplift those in need. Our shared service center allows us to extend our reach even further by collaborating with other credit unions to provide comprehensive services for all members. While you can visit us at 343 Brighton Park Blvd, official correspondence should be sent to the same address. Our operating hours are convenient open Monday through Friday from 9:00 AM to 5:00 PM, with extended drive-thru hours available until 5:30 PM. We invite you to join Bayer Heritage Credit Union and experience the difference for yourself. Together, we can build a brighter financial future for you and your family. For more information or assistance, please call us at 843-820-6070 or visit our website at Bayer Heritage. Your journey towards better banking begins here!

Branch Location & Accessibility

Convenient Access and Amenities

Whether you're visiting us for personal banking or exploring loan options, you'll find ample parking available right outside our entrance. We take pride in ensuring that everyone can access our services comfortably; our branch is equipped with ADA-compliant features, including ramps for easy entry. If you prefer to handle your banking from your vehicle, we also offer a drive-thru service that makes it quick and easy to complete simple transactions without leaving your car.

Operating Hours That Fit Your Schedule

At Bayer Heritage, we understand that convenience is key. Our lobby hours are designed with your busy life in mind, open from 9:00 AM to 5:00 PM Monday through Friday. For those who need a little extra flexibility, our drive-up service operates even longer from 7:30 AM to 5:30 PM during the week and is available 24/7 through our ITM (Interactive Teller Machine).

Services Tailored for You

We offer a range of services to meet your financial needs, from personal checking and savings accounts to auto loans and mortgages. Plus, if you're part of another credit union, you can enjoy shared services right here at our branch! With ATM access readily available and basic drive-thru banking options like deposits and withdrawals, you can manage your finances with ease. If you have any questions or need assistance, please don't hesitate to reach out. You can give us a call at (843) 820-6070, and our dedicated staff will be happy to help you. We invite you to visit us at Bayer Heritage in Summerville where your financial well-being comes first!

Member Eligibility

At Bayer Heritage, we believe that joining our community is about more than just opening an account it's about becoming part of a supportive family that values your financial well-being. Becoming a member is simple! If you live, work, worship, or attend school in the Summerville area, you're already eligible to join us. We welcome individuals from all walks of life, and we are committed to helping our members achieve their financial goals through personalized service and competitive products. To learn more about the specific eligibility criteria or to check for any updates, feel free to visit our website at https://secure.loanspq.com/consumer/login/default.aspx?enc2=cjddgqgp6videpmsqamj1p7i419pphyhzf48iqkvmkxnkaooydgdsppmklds0zlhgbtdfrkheqqgocq3z0ollkjr8cezvf3orkqlt24wzwraghqtn8rrwsx9hntvbpjq . When you're ready to take the next step toward membership, you can easily open an account online by visiting http://bayerhfcu.com/skipapayment . Should you have any questions or need assistance, don't hesitate to reach out to us at (843) 820-6070. We're here to help you every step of the way!

Business Banking & Commercial Services

Financing Options for Growth

Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs: - We've funded over $403 in commercial loans for our members, helping businesses scale and succeed. - We also support the broader business community with $241 in non-member commercial loans, providing flexible financing solutions. - With an outstanding commercial loan portfolio of $24,119,900, we continue to drive economic growth by financing new and expanding businesses.

Merchant Services That Matter

Imagine having a payment processing solution that lets you focus more on serving your customers while we handle the transactions smoothly. Our merchant services are designed to simplify your payment processes, ensuring quick and secure transactions, whether you're a retail store or an online business. This means you can accept payments anytime, anywhere, boosting your sales and enhancing customer satisfaction. Located at 343 Brighton Park Blvd Summerville Sc 29486 in Summerville, SC, we're here to help you navigate the financial landscape of business ownership. Reach out to us at (843) 820-6070 to learn how we can partner together for your success!

Comprehensive List Of Services

Convenience at Your Fingertips

At Bayer Heritage, we prioritize convenience. You can access an ATM for cash withdrawals or balance checks without hassle. Our Drive-Thru Banking service allows for simple transactions like deposits and withdrawals without leaving your car, saving you time during busy days. Plus, if you're part of another credit union but need services while visiting us, our Basic Shared Branch Transactions allow you to deposit or withdraw funds easily as well.

Credit Cards and Business Banking

Our Credit Cards with Rewards let you earn while you spend! Imagine getting cash back or points for every purchase it's like being rewarded just for using your card. For entrepreneurs and small business owners, our Business Banking services include essential tools like Merchant Services and Business Loans that can help take your business further. We believe in supporting local businesses because when they thrive, our community thrives.

Final Thoughts

With so many services available at Bayer Heritage, we're here to help simplify your financial journey. We invite you to visit us at 343 Brighton Park Blvd Summerville Sc 29486 or give us a call at (843) 820-6070. Let's work together on achieving your financial goals! Explore more about what we offer by visiting our website at Nexton. We're excited to partner with you on this journey!

Home Financing Solutions

For those looking to settle into their own home, our Mortgage Loans & Refinancing services are designed to simplify the process. We understand that buying a home is one of the biggest investments you'll make, which is why we guide you through each option available to ensure you find what works best for you. If you're facing unexpected expenses or want to consolidate debt, consider our Personal Loans & Debt Consolidation services. We aim to help you manage your finances better by offering solutions that fit your budget and goals.

Personal Banking Services

Starting with personal banking, we offer Checking & Savings Accounts that fit different lifestyles. Imagine having access to your funds anytime through our Online & Mobile Banking platforms. You can check balances, transfer money, and pay bills all from the convenience of your phone or computer. When it comes to financing your vehicle, our Auto Loans & Vehicle Financing options provide competitive rates that make owning a car more affordable. Whether you're eyeing a new ride or need to refinance an existing loan, we've got you covered.

Digital & Online Banking

E-Statements and Mobile Features

Say goodbye to paper clutter! At Bayer Heritage, e-statements are available for all members. You'll receive your statements directly to your email, making it simple to keep track of your finances while being eco-friendly. For those on the go, our mobile application is here to help. Available for download, it offers features like mobile payments and person-to-person transfers. Whether you're splitting a bill with friends or making a quick payment at the store, you can do it all from your smartphone.

Security and Accessibility

Your security is our top priority. All transactions made through our online banking system are protected with advanced security measures. You can feel confident knowing that your personal information is safe while enjoying the convenience of digital banking. With easy access to real-time account management and user-friendly features, managing your finances has never been simpler. Join us at Bayer Heritage and experience the benefits of modern banking today!

Financial Strength

A Solid Foundation

With a net worth of $70,036,178, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of 805 demonstrates a solid capital foundation, ensuring that we can continue providing loans, competitive savings rates, and uninterrupted services even in uncertain economic times.

Dedicated Team Support

We take pride in having 144 full-time employees and 11 part-time employees, ensuring our branches are always ready to serve you with a knowledgeable and committed team. Our staff is here to provide personalized assistance tailored to your unique financial journey.

Growing Membership Base

Total Share Accounts: 89,461, showing a strong and growing member base that trusts us with their finances. Your trust fuels our mission to provide exceptional service. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, Bayer Heritage is your trusted partner. Visit us at 343 Brighton Park Blvd Summerville SC 29486 or call 843-820-6070 to learn more about how we can help you achieve your financial goals. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov , based on the latest results.

Lending Capacity

Our lending capacity supports members' financial goals across various sectors with $60,881,535 in total loans and leases. This includes $11,401 in used auto loans that help you get the vehicle you need without breaking the bank.

Member-Centric Savings

Members' savings are secured through $386,092,631 in share certificates, offering stable and rewarding financial growth opportunities. Unlike traditional banks, we prioritize our members. With non-member deposits at $0, we ensure that our resources are focused on benefiting you through better loan rates, lower fees, and exclusive perks.

Operational Efficiency

Our operational efficiency is reflected in our $0 net income, which may indicate a reinvestment strategy aimed at enhancing member benefits rather than maximizing short-term profits. We are committed to ensuring that every dollar serves you better.

Reinvestment for Growth

With $58,495,365 in undivided earnings, we reinvest in innovative banking tools, stronger lending options, and enhanced security measures to serve our members better. This approach allows us to adapt and grow alongside your needs.

Loan Offering

Auto Loans

Looking to buy a new car? Our auto loans offer some of the lowest rates in the industry, with over $199,425,819 in used vehicle loans and $42,741,101 in new vehicle loans already helping members get on the road. We provide flexible terms and competitive interest rates designed to fit your budget.

Business Financing

For business owners, our outstanding commercial loans totaling $24,119,900 provide the capital needed to grow and expand your business. We understand the unique challenges small businesses face and are committed to providing support through our tailored financing solutions. At Bayer Heritage, we're here to guide you through every step of the borrowing process. If you're considering refinancing options or want to learn about eligibility requirements for any of our loan products, don't hesitate to reach out. You can contact us at 843-820-6070, or visit us at 343 Brighton Park Blvd, Summerville SC 29486. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov , based on the latest results. We look forward to helping you navigate your financial journey!

Mortgage Loans

Thinking about homeownership? Our mortgage options make buying or refinancing simple. While we currently do not have Junior Lien Family Property Loans available, our team is here to help you explore other mortgage solutions that might work for you.

Unsecured Credit Card Loans

We also offer flexible terms on unsecured credit card loans, with a total of $13,983,937 in loans helping members manage their finances effectively. This option provides a great way to handle unexpected expenses while enjoying the benefits of managing your finances through a credit card.

Loan Aggregator

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BAYER HERITAGE FEDERAL CREDIT UNION - Summerville, SC