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Whatever your needs, we have personal loans to help meet them!

Enjoy competitive interest rates and an easy application process.

  • Vacation
  • Emergency
  • Personal
  • Christmas
  • School Expenses
  • Home Improvement
  • Personal Line of Credit
  • Overdraft Protection

Payment Protection Available for Your Peace of Mind

  • 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:


Added benefits to your loan:

  • Special Rate Discounts for Payment Protection, Auto Pay, or ACH
  • No Prepayment Penalties
  • Flexible loan terms

Visit a lending professional at one of our local branches.

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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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Applied for a loan or account recently and need to check the status? Click here!
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Loan rates

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

NEED A Hand? we're here to help!


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make a loan payment

Introducing Payment Portal, an easy and secure way to make online loan payments (from any device)! 
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here to help you grow

Commercial Loan Financing – here for you, with competitive financing tailored to your individual business needs.
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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!