Bayer Heritage Credit Union Beckley WV | Low Mortgage Rates & Auto Loans

Introduction

Welcome to Bayer Heritage at our Beckley branch, located conveniently at 3695 Robert C Byrd Dr, Beckley, WV 25801. Since our founding in 1957, we have dedicated ourselves to serving our community with trust and reliability. As a member-focused credit union, we proudly support over 43,911 members by providing a wide range of financial services tailored to meet your needs. At Bayer Heritage, we are not just about numbers; we aim to make a genuine impact in the lives of those we serve. With total assets amounting to an impressive $869,109,548, and total deposits reaching $128,130,085, you can feel confident knowing your finances are in safe hands. Our commitment to responsible lending is evident with 32,990 loans and leases currently benefiting our members. Our leadership team is here for you every step of the way. Led by CEO Robert Burrow and Board President Charles Racer II, we prioritize your financial well-being and strive for excellence in all that we do. Whether you need personal banking services or business solutions, our friendly staff of 155 employees is ready to assist you from Monday through Friday between 9 AM and 5 PM. While members can visit us at our branch location, official correspondence should be sent to the same address: 3695 Robert C Byrd Drive, Beckley, WV 25801. We invite you to explore our offerings further by visiting our website at bayerhfcu.com or giving us a call at 304-255-9815. Join us as we continue to grow and support each other within our community! Your journey toward financial empowerment starts here at Bayer Heritage.

Branch History & Mission

At Bayer Heritage, we take pride in our rich history and commitment to serving the community of Beckley, WV. Since opening our doors in 1957, we have been dedicated to providing accessible financial services that empower our members. Our branch, located at 3695 Robert C Byrd Dr, Beckley, WV 25801, has grown alongside the community, evolving to meet the needs of over 43,911 members today. Our journey began with a simple mission: to support our members with trustworthy financial solutions. Over the decades, we have expanded our services to include personal banking options like checking and savings accounts, auto loans, mortgage loans, and credit cards with rewards. We also offer business banking services tailored for local entrepreneurs. Bayer Heritage is more than just a credit union; we are a community partner. We believe in giving back through outreach programs and collaborations that uplift those around us. Our commitment extends beyond financial services; it encompasses building lasting relationships within the community. As technology advances, so do we. We are proud to provide digital banking options such as online banking and mobile payments for easy access to your accounts anytime, anywhere. Our ATM availability ensures you can manage your finances on-the-go, and our drive-thru service adds convenience for simple transactions without leaving your vehicle. While members can visit us at 3695 Robert C Byrd Dr, official correspondence should be sent to the same address as there is no difference in mailing location. We invite everyone in Beckley and surrounding areas to experience the personalized service and community spirit that defines Bayer Heritage. Our mission remains clear: we strive to enhance lives through quality financial services while fostering community growth and support. Join us today and discover how being a part of Bayer Heritage can make a positive impact on your financial future! For inquiries or assistance, feel free to reach out at 304-255-9815 during our lobby hours from Monday to Friday, 9 AM - 5 PM.

Branch Location & Accessibility

Banking Made Simple

At Bayer Heritage, we understand that your time is valuable. That's why we offer extended lobby hours from Monday through Friday, from 9 AM to 5 PM. Whether you need assistance with personal banking, auto loans, or online services, our friendly team is here to help. For those on the go, we also have a drive-thru service for quick transactions such as deposits and withdrawals without leaving your vehicle. Plus, our ATM is available for cash withdrawals and balance checks whenever you need it. While members can visit us at our branch address for all your banking needs, official correspondence should be sent to the same address: 3695 Robert C. Byrd Drive, Beckley, WV 25801.

Let's Connect!

If you have any questions or need assistance before your visit, feel free to give us a call at 304-255-9815. We look forward to welcoming you at Bayer Heritage in Beckley!

Visit Us with Ease

Getting to our branch is simple, with ample parking available right outside for your convenience. Our facility is designed with accessibility in mind, featuring ADA-compliant ramps and entrances to ensure everyone can access our services comfortably.

Member Eligibility

At Bayer Heritage, we believe that everyone deserves the chance to be part of a community that truly cares. Becoming a member is simple and welcoming. If you live, work, worship, or attend school in our service area, you're likely eligible to join us. We're here for anyone who shares our values and wants to enjoy the benefits of being part of our credit union family. As a member, you'll gain access to a range of financial products designed with your needs in mind, from checking accounts to auto loans and more. Ready to take the next step? Check out our detailed eligibility criteria at this link or give us a call at (304) 255-9815. Once you've confirmed your eligibility, opening an account is easy! You can find more information about the account opening process here. Join us today at our Beckley location at 3695 Robert C Byrd Dr Beckley Wv 25801, and experience the difference of being part of Bayer Heritage!

Business Banking & Commercial Services

Business Loans That Fuel 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 Simplify Transactions

In addition to loans, we offer essential merchant services designed to streamline your daily operations. Imagine being able to accept payments seamlessly from your customers while managing cash flow more effectively. Whether you're a small retailer or a service provider, our tools can enhance your payment processes, making it easier for you to focus on what matters most growing your business. Experience the difference at Bayer Heritage located at 3695 Robert C Byrd Dr Beckley Wv 25801. Let us partner with you on your journey towards success! For inquiries, feel free to reach us at (304) 255-9815.

Comprehensive List Of Services

Convenient Access & Additional Services

We understand that convenience is key in today's fast-paced world. That's why we provide ATM and cash withdrawal services for easy access to your money whenever you need it. Our drive-thru banking allows for quick deposits and withdrawals without leaving your vehicle ideal for busy days. Additionally, members have access to shared branch transactions which enable deposits and withdrawals at partner credit unions across the country. This way, even when you're away from home, accessing your funds remains simple.

Credit Cards & Business Banking

For those who enjoy rewards on their spending, our credit cards come with exciting benefits that can enhance your purchasing power. They are perfect for everyday purchases or larger expenses where rewards can really add up. For our business members, Bayer Heritage offers comprehensive business banking services including merchant services and business loans. Whether you're launching a startup or expanding an existing enterprise, our team is here to support your journey with tailored financial solutions.

Join Us Today!

At Bayer Heritage in Beckley, we prioritize our members' needs by offering a full suite of financial services designed to simplify banking and enhance financial well-being. If you're ready to explore how we can assist you further or if you have any questions about our offerings, please don't hesitate to reach out! Give us a call at 304-255-9815 or visit us online at bayerhfcu.com. Join us today and experience the difference!

Personal Banking

Our personal banking services start with checking and savings accounts that help you manage your day-to-day finances. Imagine having easy access to your funds through our online and mobile banking options. You can check your balance, transfer money, and even pay bills from the comfort of your home or on the go. When it comes to auto loans and vehicle financing, we've got you covered. Whether you're buying a new car or refinancing an existing loan, our competitive rates can help you drive away in your dream vehicle without breaking the bank. Our mortgage loans and refinancing options are equally attractive, making home ownership more achievable for many families in Beckley. If you find yourself needing extra funds for a special project or unexpected expenses, consider our personal loans and debt consolidation options. We aim to provide you with flexible terms that fit within your budget while helping you regain control over your financial situation.

Digital & Online Banking

Key Features of Our Digital Banking Services

Our online banking services provide 24/7 access to your accounts, allowing you to check balances, transfer funds, and pay bills whenever it suits you. With features like E-Statements, you can receive your monthly statements electronically, helping you stay organized and reducing paper waste. Plus, our system supports Electronic Signature Authorization, making it simple to sign documents securely from anywhere. For those who prefer mobile banking, our Mobile Application offers a user-friendly experience that puts all the essential tools right at your fingertips. You can enjoy Mobile Payments, enabling quick transactions without the need for cash or cards. Additionally, our Person-to-Person Transfers allow you to send money directly to friends or family with just a few taps on your screen.

Security and Accessibility

At Bayer Heritage, we take security seriously. Our online banking platform employs robust measures to protect your information and ensure safe transactions. You can feel confident knowing that your financial data is safeguarded while you manage your accounts from the comfort of your home or on the go. Overall, our digital banking services are designed with you in mind offering accessibility, ease of use, and real-time account management. Explore all these features and more by visiting us at https://www.bayerhfcu.com/ today!

Financial Strength

Commitment to 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. Our lending capacity is evident with $11,401 in used auto loans and a total of $608,815,352 in loans and leases available for our members' diverse financial needs.

Growing Member Base

We have achieved significant milestones with 89,461 total share accounts, showcasing a strong and growing member base that trusts us with their finances. Net Shares (Funds available for lending and investments): $0. 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 3695 Robert C Byrd Dr Beckley WV 25801 or call 304-255-9815 to learn more about how we can help you achieve your financial goals.

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 recent net income of $0 reflects our operational efficiency during challenging periods while enabling us to continue offering competitive loan rates and solid financial products for our members. We also 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, committed team.

Solid Financial 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.

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. Whether you're purchasing a brand-new vehicle or looking for something pre-owned, we have financing options tailored just for you.

Credit Lines and Business Loans

For those needing additional financial flexibility, our total credit lines amount to $100,750,000, allowing you to borrow as needed while only paying interest on what you use. Additionally, business owners can take advantage of our outstanding commercial loans totaling $24,119,900, providing the capital necessary for growth and expansion. At Bayer Heritage, we prioritize making the borrowing process as simple as possible. If you're interested in exploring refinancing options or determining your eligibility for any of our products, please don't hesitate to contact us or visit our website here. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov , based on the latest results. Let us help you achieve your financial dreams today!

Mortgage Loans

Thinking about homeownership? While we currently do not offer Junior Lien 1-4 Family Residential Property loans (totaling $0), our team can help guide you through various mortgage options. We also provide refinancing solutions if you're looking to lower your monthly payments or access equity in your home.

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. These cards come with various benefits to help you use credit wisely while maintaining control over your spending.

Loan Aggregator

Finding the best loan rates can be overwhelming. LendMesh simplifies this process by providing real-time, unbiased comparisons of mortgage, auto, and personal loan rates from verified financial institutions. LendMesh ensures accurate loan comparisons by sourcing data directly from banks and credit unions that comply with National Credit Union Administration (NCUA) lending standards, based on the latest results (Source: https://www.ncua.gov ). This commitment to using verified information helps ensure that users receive fair and transparent offers. One of the key benefits of using LendMesh is Verified Data. All loan offers come from legitimate financial institutions, which fosters trust and transparency in the comparison process. Additionally, LendMesh stands out because it features No Sponsored Listings; lenders are not prioritized based on paid promotions. This means users can rely on unbiased results that truly reflect their options. Another advantage is Real-Time Rate Comparisons. Users access up-to-date loan rates from multiple institutions, enabling them to make informed decisions based on current market conditions. Thousands of users trust LendMesh for their loan comparisons. One member shared: "LendMesh helped me find a lower mortgage rate in minutes, saving me thousands over the loan term!" This kind of feedback highlights how LendMesh can lead to significant savings for borrowers. Compare real-time loan offers today at LendMesh and find the best rates for your needs. *Disclaimer: Loan approvals and interest rates are subject to creditworthiness, income verification, and applicable federal and state regulations. Rates may vary based on financial institution guidelines.*

BAYER HERITAGE FEDERAL CREDIT UNION - Beckley, WV