Bayer Heritage Credit Union Moundsville WV | Affordable Auto Loans & Quick Personal Loans

Introduction

Welcome to Bayer Heritage at our Moundsville branch, located at 411 Lafayette Ave, Moundsville, WV 26041. Since our establishment in 1957, we've been dedicated to serving our community with a personalized approach to banking. As a trusted credit union, we proudly support 43,911 members and manage total assets of $869,109,548. Our commitment goes beyond numbers; we believe in building lasting relationships with our members. While you can visit us at our branch for all your financial needs, official correspondence can be directed to the same address. At Bayer Heritage, we offer an array of services tailored to meet the diverse needs of our members. Whether you're looking for personal loans, auto financing, or business banking solutions, we're here to help you achieve your financial goals. Under the leadership of CEO Robert Burrow and Board President Charles Racer II, our dedicated team of 155 employees is always ready to assist you. With a net worth of $70,036,178, and cash in hand totaling $3,772,442, we ensure that your money is safe and accessible when you need it. Our facilities are equipped with modern conveniences including an ATM and drive-thru service for quick transactions. We encourage you to explore our online services at bayerhfcu.com or give us a call at 304-455-4029 to learn more about how we can assist you today. Join us as we continue to make a positive impact in Moundsville and beyond!

Branch History & Mission

At Bayer Heritage in Moundsville, WV, we proudly carry a legacy that began in 1957. Since our doors first opened, we've been dedicated to serving our community and providing financial solutions that truly make a difference in the lives of our members. With over 43,000 members today, we have grown significantly while staying true to our mission: empowering individuals and families through accessible financial services and unwavering community support. Located at 411 Lafayette Ave, Moundsville, WV 26041, our branch is easily accessible for all your banking needs. Just a stone's throw away from local landmarks like the historic Moundsville Penitentiary and the scenic Grand Vue Park, we are deeply rooted in this vibrant community. While members can visit us at this address for all banking activities, official correspondence should be sent to the same address as well. Over the years, Bayer Heritage has achieved remarkable milestones. Our total assets have reached an impressive $869 million, allowing us to offer a wide range of products from personal banking services like checking accounts and auto loans to business financing options. We pride ourselves on being a member-focused credit union where everyone is treated like family. Our mission reflects our commitment to not just provide financial services but also uplift our community. We strive to enhance the quality of life for our members through various outreach programs and partnerships with local organizations. Whether it's supporting education initiatives or hosting financial literacy workshops, we believe in giving back and fostering growth within Moundsville. In today's fast-paced world, we understand the importance of digital convenience. That's why we've embraced technology to enhance your banking experience with online and mobile banking options available anytime you need them. We ensure ADA compliance so that all members can enjoy full access to our services without barriers. With amenities such as drive-thru banking and ATM availability, we aim to make banking easy and accessible for everyone. You can reach us at 304-455-4029 during our operating hours: Monday through Friday from 8:30 am to 4:30 pm and Saturday from 8:30 am to 12:00 pm. We invite you to join Bayer Heritage Credit Union! Experience firsthand how we can help you achieve your financial goals while being part of a supportive community that truly cares. Together, let's build a brighter future! For more information about membership or our services, visit us online at Bayer Heritage.

Branch Location & Accessibility

Accessibility Features

We believe that everyone should have access to banking services. Our branch is designed with accessibility in mind, featuring ADA-compliant entrances and ramps for those who need them. Plus, we offer ample parking space to make your visit hassle-free.

Operating Hours

At Bayer Heritage, we understand that life gets busy. That's why we're here for you during convenient hours: Monday through Friday from 8:30 AM to 4:30 PM and Saturday from 8:30 AM to 12:00 PM. If you prefer using our drive-thru service, it's available Monday through Wednesday from 8:00 AM to 4:30 PM; Thursday until 5:00 PM; and Friday until 5:30 PM. We strive to accommodate your schedule!

Services Offered

Our Moundsville branch is proud to offer a variety of services tailored to meet your financial needs. From personal checking and savings accounts to auto loans and mortgages, we've got you covered. Need cash? We have an ATM on-site for quick withdrawals and balance checks. Additionally, our shared service center means you can conduct basic transactions even if you're a member of another partner credit union. Feel free to reach out at 304-455-4029 if you have any questions or need assistance before your visit. We invite you to come by and experience friendly service that puts you first! Your financial journey starts here at Bayer Heritage in Moundsville stop by today!

Member Eligibility

At Bayer Heritage, we believe that everyone deserves a chance to be part of a community that cares. Joining us as a member is not just about opening an account; it's about becoming part of a family that supports your financial journey. If you live, work, worship, or attend school in Marshall County or are related to someone who does, you're eligible to become a member! We welcome individuals from all walks of life and are excited to offer you access to our wide range of services designed with your needs in mind. Becoming a member at our Moundsville branch located at 411 Lafayette Ave is easy! You can start the process by visiting us in person or checking out the detailed eligibility criteria on our website at https://secure.loanspq.com/consumer/login/default.aspx?enc2=cjddgqgp6videpmsqamj1p7i419pphyhzf48iqkvmkxnkaooydgdsppmklds0zlhgbtdfrkheqqgocq3z0ollkjr8cezvf3orkqlt24wzwraghqtn8rrwsx9hntvbpjq . If you have questions or need assistance, feel free to give us a call at (304) 455-4029. We look forward to welcoming you and helping you achieve your financial goals! For more information on how to open an account, please visit http://bayerhfcu.com/skipapayment .

Business Banking & Commercial Services

Business Loan Options

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

In addition to loans, we offer a range of merchant services that simplify payment processing for your business. Imagine having the ability to accept payments seamlessly, whether in-store or online. Our solutions can help you improve cash flow and enhance customer satisfaction key ingredients for any successful enterprise. Located at 411 Lafayette Ave Moundsville Wv 26041 in Moundsville, WV, we invite you to explore how Bayer Heritage can be your partner in achieving your business goals. Reach out to us at (304) 455-4029 to learn more about our offerings!

Comprehensive List Of Services

Business Banking

At Bayer Heritage, we understand that small businesses are the backbone of our community. Our Business Banking services include merchant solutions and business loans designed to support growth and innovation. We believe in helping local entrepreneurs succeed by providing tools that make banking simple and effective.

Convenient Access

We know convenience matters. That's why we offer robust Online & Mobile Banking features so you can manage your accounts anytime, anywhere. Need cash? Our ATMs are accessible for withdrawals and balance checks when you need them most. Plus, with our drive-thru service at 411 Lafayette Ave Moundsville Wv 26041, handling deposits and simple transactions is quick and hassle-free.

Loans and Financing

When it comes to financing big purchases or tackling unexpected expenses, our Auto Loans & Vehicle Financing options provide competitive rates and flexible terms. Picture yourself driving away in a new car with a manageable monthly payment that fits your budget. If you're considering homeownership or refinancing your current mortgage, our Mortgage Loans & Refinancing services can guide you through the process smoothly. For personal needs that may arise like consolidating debt or funding a special project our Personal Loans & Debt Consolidation options can help ease financial stress. And if you're looking to reward yourself while building credit, check out our Credit Cards with Rewards, which offer benefits tailored to your spending habits.

Personal Banking

For those just starting out or managing their household budget, our Personal Banking services offer both checking and savings accounts tailored to fit various lifestyles. Imagine effortlessly managing your expenses with a user-friendly mobile app that lets you check balances, transfer funds, and make payments on the go. With features like e-statements and mobile payments, keeping track of your finances has never been easier.

Shared Branch Transactions

If you're a member of another credit union participating in shared branching, we've got you covered! You can perform basic transactions such as deposits and withdrawals right here at our location making banking even more convenient for everyone. At Bayer Heritage, we strive to create a welcoming environment where all members feel valued. With expert staff ready to assist you, whether it's finding the right account or securing a loan, we're here to help every step of the way. Ready to take control of your financial future? Visit us at 411 Lafayette Ave Moundsville Wv 26041 in Moundsville, WV, or call us at (304) 455-4029 for more information about how we can serve you best!

Digital & Online Banking

Accessing Your Accounts

With our 24/7 online banking services, you can check balances, transfer funds, and pay bills whenever it suits you. Just visit us at https://www.bayerhfcu.com/ to get started. Our online banking is not only convenient but also comes with enhanced security features to protect your personal information.

Easy Transfers and Signatures

Need to send money to a friend? Our person-to-person transfers make it simple to share funds instantly. And for added convenience, we offer electronic signature authorization, allowing you to sign documents digitally without the hassle of printing or scanning. In summary, Bayer Heritage provides all the tools you need for efficient financial management right at your fingertips. Embrace the ease of online banking today!

Go Paperless with E-Statements

Say goodbye to piles of paperwork! We provide e-statements so you can receive your account statements electronically. This feature is not just eco-friendly; it also helps you keep track of your finances more efficiently.

Stay Connected on the Go

For those who prefer using their mobile devices, our mobile application makes banking even easier. You can manage your accounts right from your smartphone. Plus, with our mobile payments feature, making purchases is quick and straightforward just tap and go!

Financial Strength

Dedicated Team

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. Each member of our staff plays a vital role in delivering the best possible experience for you.

Growing Trust Among Members

Total Share Accounts stand at an impressive 89,461, showcasing a strong and growing member base that trusts us with their finances. Your trust is our greatest asset, motivating us to keep improving how we serve you. 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 411 Lafayette Ave Moundsville WV 26041 or call 304-455-4029 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. This commitment reflects our dedication to prioritizing our members over traditional banking practices.

Operational Efficiency

Our operational efficiency is reflected in our net income of $0, which means we're focused on maintaining stability rather than seeking short-term profits. This commitment allows us to continue offering competitive loan rates and solid financial products for our members.

Reinvesting in Our Community

With $58,495,365 in undivided earnings, we reinvest in innovative banking tools and stronger lending options to serve our members better. Our capacity for lending is robust; we have $11,401 dedicated to used auto loans and a total of $608,815,352 in loans and leases available to help support your financial goals across various sectors.

Solid Financial Foundations

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. We make it easy to finance your next vehicle with flexible terms and competitive interest rates.

Business Financing

For business owners, our outstanding commercial loans totaling $24,119,900 provide the capital needed to grow and expand. Whether you're looking to invest in new equipment or fund operational costs, our team is ready to assist you in securing financing that works for your business.

Mortgage Loans

Thinking about homeownership? Our mortgage options make buying or refinancing simple. While we currently don't offer Junior Lien 1-4 Family Residential Properties loans, we can guide you through other available mortgage solutions.

Refinancing Options

If you're considering refinancing any existing loans or credit lines for better rates or terms, we can help you explore eligibility options tailored to your situation. Our goal is to ensure that you find the right financial product that fits your needs. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov , based on the latest results. Whether you're exploring an auto loan or need assistance with personal finance management through credit cards and business loans, Bayer Heritage is committed to supporting our members every step of the way. For more information or personalized assistance, feel free to reach out at 304-455-4029 during our operating hours from 8:30 am to 4:30 pm Monday through Friday and 8:30 am to 12:00 pm on Saturdays.

Unsecured Credit Cards

Managing daily expenses? 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 you with the freedom to make purchases while maintaining control over your budget.

Loan Aggregator

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BAYER HERITAGE FEDERAL CREDIT UNION