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Auto, Motorcycle & ATV

We Have Funds You Need

Why wait any longer? We have the right loan to take care of any of your auto or recreational needs. And best of all – you’ll enjoy competitive interest rates and financing terms.

  • New and Used Auto
  • Motorcycle and ATV
  • Camper, Motor Home and Travel Trailer
  • Watercraft
  • Farm Equipment
  • Certificate Secured Loans
Wondering what your payment might be? Use our loan payment calculator for an approximate idea!

If you received a notice from us requesting evidence of current insurance, please click the button below:

Available for your peace of mind:

Payment Protection

  • Life PlusCancels 100% of your protected balance up to $100,000 (under age 70) and 25% of your protected balance up to $25,000 (after age 70) should you become deceased before paying off the loan. This protects your family from inheriting your debts. Additional protection including: Accidental Dismemberment, Terminal Illness, Hospitalization and Family Medical Leave.
  • Disability: Cancels your monthly loan payments for a period of time if you are unable to work due to illness or injury.
  • Involuntary Unemployment: Cancels your monthly loan payments for a period of time if you become involuntarily unemployed.
*In 2023, TruStage paid $1,307,441.53 in Payment Protection claims for Bayer Heritage FCU members.

We’re here to help. In your time of need, our claims process is quick and easy. Fill out a claim form here:

GAP Insurance

Guaranteed Auto Protection offers protection* in the event that your vehicle is damaged beyond repair or stolen and never recovered. GAP covers the difference between the value of the vehicle and the loan balance, less the insurance settlement. GAP Plus will also contribute $2,500 toward the purchase of a replacement vehicle when it is financed with the credit union within 120 days of the loss.

Deductible Assistance is designed to provide financial relief when your vehicle is damaged, but not deemed a total loss. If auto repairs cost more than your deductible, the deductible amount is applied to your loan, reducing what you owe.

*In 2023, TruStage paid $128,445 in GAP claims for Bayer Heritage FCU members.

Mechanical Repair Coverage

Life gets disrupted when your car breaks down. At best, it's an inconvenience that keeps you from what you want to be doing. At worst, you might have to drain your savings or even lose your car. That’s why we're offering mechanical repair coverage for our members. 
*In 2023, TruStage paid $466,662 in MRC claims for Bayer Heritage FCU members.

Added benefits to your loan:

  • Special Rate Discounts for Payment Protection, Auto Pay, or ACH
  • No Prepayment Penalties
  • Up to 120% Financing for Qualified Borrowers
  • Flexible loan terms


State National will now be texting members who have missing/canceled/expired/impaired insurance if you provided your cell phone number during their loan application process. Members who do not want to receive these texts will have the option to opt out. 

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Repos & foreclosures

Get in on those deals! To view any vehicle or property, contact the Collections Department at 304-455-4029 x 1480. CU Owned Property
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Loan rates

Home improvement, revolving credit, new/used vehicles, ATV’s and more. View Loan Rates
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Locations & Info

NEED A Hand? we're here to help!


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Smart Option Student Loans®

Pay for college the smart way with three great repayment options and competitive interest rates! Student Loan Options
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interested in joining?

We'd be happy to have you! View eligibility requirements, check out the variety of member benefits or apply for membership!
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a new way to save

Have the ‘digital change’ from your debit card transactions rounded up to the next dollar and deposited into a savings account! Cool concept, eh? Coin Catcher Details