Trusted Since 2008

Welcome to Bayer Heritage Federal Credit Union

Your trusted partner for secure, reliable, and innovative financial solutions. Experience the future of digital banking with us.

12K+
Happy Members
98%
Satisfaction
15+
Years
Happy Customer
Happy Customer
App on Phone
Mobile Banking
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A Family-Based Financial Institution

Bayer Heritage Federal Credit Union began as a family vision to provide honest, community-focused banking services that put members first. What started as a small family initiative has grown into a trusted financial institution serving thousands of members across the region.

Our Family Values

  • Trust & Integrity: Just like in a family, we believe in complete transparency and honesty in all our dealings.
  • Community Focus: We're deeply rooted in our community and committed to its financial well-being.
  • Personal Service: Every member is treated like family with personalized attention to their financial needs.
  • Long-term Relationships: We build lasting relationships that span generations, just like a strong family.

Under the leadership of our CEO James Alexander Whitmore and CFO Elizabeth Margaret Thornton, we continue to honor our family-based principles while embracing modern technology to serve you better.

Join Our Financial Family
Fidi Credit Union Family
15+
Years of Service
12K+
Happy Members
98%
Member Satisfaction

Our Leadership Team

Meet the experts dedicated to your financial success

James Alexander Whitmore

James Alexander Whitmore

Chief Executive Officer

Chartered Accountant with over 20 years of experience in financial services and leadership across major UK institutions.

Elizabeth Margaret Thornton

Michael James Henderson

Chief Financial Officer

Fellow of the Institute of Chartered Accountants with expertise in strategic financial planning and risk management.

Michael James Henderson

Elizabeth Margaret Thornton

Chief Technology Officer

Technology innovator with extensive experience in fintech and digital banking solutions from leading UK financial institutions.

Our Services

Comprehensive financial solutions for all your needs

Share Accounts

High-yield share accounts with competitive dividends to help grow your wealth.

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Personal Loans

Flexible personal loan options with competitive rates and quick approval process.

Apply Now

Money Transfers

Fast, secure, and affordable money transfers to anywhere in the world.

Transfer Now

Bill Payments

Pay your bills conveniently online with our secure bill payment system.

Pay Bills

Investments

Diversified investment options including certificates and bonds for your portfolio.

Invest Now

Web App

Our web app is coming soon with advanced banking features and security.

Coming Soon

Bayer Heritage Federal Credit Union Rates

Current rates for our financial products and services

Share Accounts

Regular Share Account 0.25% APY
Money Market Account 0.50% APY
Share Certificate (12 mo) 1.25% APY
Share Certificate (24 mo) 1.75% APY
Open Account

Loan Products

Auto Loans (New) 3.75% APR
Auto Loans (Used) 4.25% APR
Personal Loans 6.50% APR
Home Equity Loans 4.50% APR
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Other Services

Credit Cards 9.99% - 18.99% APR
Overdraft Protection 0.00% APR
Wire Transfer (Outgoing) $25.00
ATM Fee (Domestic) Free
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Bayer Heritage Federal Credit Union Member Care

We're here to help you with all your financial needs

24/7 Support

Our member service representatives are available around the clock to assist you with your banking needs.

+44 78 7653 99 88

Live Chat

Chat with a financial expert in real-time for immediate assistance with your accounts and services.

Branch Locations

Visit one of our convenient branch locations for in-person service and financial consultations.

Find Branch

FAQ & Resources

Access our comprehensive knowledge base for answers to common questions and financial resources.

Browse FAQ

Video Gallery

Explore our services and features through our video collection

Introduction to Bayer Heritage

Learn about our credit union and the services we offer to our members.

Checking & Rewards Program

Discover the benefits of our checking accounts and rewards program.

Our Brand Values

Learn about our core values and what makes us different.

Lending Solutions

Explore our surprising lending options for your needs.

Your Hometown Bank

Discover why we're your trusted local banking partner.

Contact Center Services

Learn about our customer service and support options.

Partnership with LaMacchia Group

See our collaboration and partnership in action.

ITM Tips & Tricks

Helpful tips for using our Interactive Teller Machines.

New ITM Features

Explore our latest Interactive Teller Machine updates.

Our Relationship with Synergent

Learn about our partnership and friendship with Synergent.

Trusted Contact Program

Discover our security and trusted contact services.

Additional Services

Explore more of our financial services and offerings.

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Latest Blog Posts

Stay updated with the latest financial news and tips

Financial Planning Tips
Nov 15, 2025 Financial Tips

5 Essential Financial Planning Tips for 2025

Discover the top strategies to maximize your savings and investments in the new year. Expert advice on budgeting, debt management, and long-term financial goals.

Read More
Digital Banking Security
Nov 10, 2025 Security

How to Keep Your Digital Banking Secure

Learn the best practices for protecting your online accounts and personal information. Essential security tips every bank customer should know.

Read More
Investment Opportunities
Nov 5, 2025 Investments

Exploring Investment Opportunities in 2025

Market insights and investment strategies for the upcoming year. Discover which sectors are showing promising growth potential.

Read More

What Our Members Say

Trusted by thousands of satisfied members

"Bayer Heritage Federal Credit Union has made managing my finances so much easier. The online platform is intuitive and secure."

Sarah Johnson

Business Owner

"Excellent member service and competitive rates. I highly recommend Bayer Heritage Federal Credit Union."

Michael Chen

Engineer

"The investment options are great and the returns are impressive. Very satisfied with the service."

Emily Davis

Teacher
256-bit SSL Encryption
FDIC Insured
Fraud Protection
Award Winning Service
Trustpilot Service Rating 2024
Moneynet Best Fixed Rate Savings Provider
Moneyfacts Compare 5 Star Easy to Open Award 2025
MoneyComms Best Specialist Savings Provider
MFC 2022 CMND No Mainstream
Feefo Platinum Trusted Service Awards 5 Years Running 2025
Feefo Service Rating 2024
Carbon Neutral Organization
Community Bank Loans

Flexible Loan Options

Whether you're looking to finance a new home, purchase a vehicle, or consolidate debt, we offer competitive loan products tailored to your needs.

Competitive Interest Rates
Fast Approval Process
Flexible Repayment Terms
Personalized Service
Explore Loan Options

Discover Our Services

Learn more about what makes us the trusted choice for your financial needs

Why Choose Bayer Heritage Federal Credit Union?

With over 15 years of dedicated service to our community, we provide personalized financial solutions that help you achieve your goals. Our commitment to excellence and member satisfaction has earned us recognition as one of the top credit unions in the region.

Member-Focused Approach
Competitive Rates & Low Fees
Advanced Security Measures
24/7 Digital Banking
Join Us Today
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Live Support

Sarah Johnson Customer Service Specialist
Hello! 👋 Welcome to Bayer Heritage Federal Credit Union.
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Our live support hours are:
• Monday-Friday: 9:00 AM - 5:00 PM
• Saturday: 10:00 AM - 2:00 PM
• Sunday: Closed
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How can I help you today?
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