Friends at outdoor cafe

Eligibility Requirements

We’re so excited that you are interested in joining the Bayer Heritage family. It's easy to become a member, if you’re eligible! Just open a Share Account with a $5.00 deposit and you’re ready to experience all the benefits and privileges of membership. Click the button when you are ready to begin!

Membership Eligibility Requirements:

  • Employees of Bayer Corporation that are specifically named in the BHFCU Charter. 
  • Immediate family of existing members. 
  • Individuals who live, work, worship or attend school in, or businesses and other legal entities located in: 
    • Wetzel County, WV 
    • Tyler County, WV 
    • Monroe County, OH
  • Individuals who live, work, worship or attend school in, or businesses and other legal entities located in specific areas* of the following counties: 
    • Marshall County, WV
    • Berkeley County, WV 
    • Belmont County, OH
    • Licking County, OH
    • Berkeley County, SC
    • Charleston County, SC
    • Muskingum County, OH
    • Harris County, TX
*Specific Areas: Please contact your local branch of the Credit Union for specific areas in the listed counties.

Preferred Business partners

Think you may not be eligible based on those requirements? Check to see if your employer is one of our Preferred Business Partners!

Not eligible through our other avenues? You may qualify to join Bayer Heritage through our partnership with the American Consumer Council.


If you would like to become a member of the American Consumer Council (ACC), you may now join the credit union! When you apply for membership in BHFCU, select the option, "I would like to qualify by joining through the American Consumer Council". This will give us permission to process and enroll you into the ACC. There is no additional cost to you for joining the ACC. You can learn more about the ACC here.

Calculator icon linking to Loan Rates page

Loan rates

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

Webinar icon linking to Balance Financial Fitness Page - Webinar Info and Sign up

free financial webinars

We've partnered with BALANCE to provide free access to financial counseling, education and resources. Grab a virtual webinar seat today!

Member Identification Disclosure

To help the government fight the funding of terrorism and money laundering activities, Federal law requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account. All persons are subject to the identity verification requirements even though they may be a long-term member of and well known to the institution.

What this means for you

When you open an account, Bayer Heritage FCU will request documentary verification of your identity, such as a driver’s license or passport and/or it will verify your identity through other documentary methods.
Young adults sitting on bench

join our team

We pride our success on a strong culture of trust, respect and community. Does this sound like a good fit? View Career Openings
Handing credit card to barista

platinum preferred visa®

Rates as low as 10.50% with no annual or balance transfer fee makes choosing the right credit card easier than ever. Visa Credit Card Details.
Bayer Heritage Retirement and Investment Services

Investing your way

Tell us where you want to go and we'll help you get there. Let's travel this path together to a better position with Retirement and Investment Services.