VAC Employees Federal Credit Union
Member NCUA
2 Wilson Ave. Bath, NY 14810
phone: 607-776-3684

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607-776-3684

AUTO LOAN SPECIAL

2017 – 2015 New and Used vehicles 1.95% APR up to 72 months.
2014 – 2012 Used vehicles
2.10% APR up to 60 months.

Personal Loan Special

Up to $2500 @2.25% APR maximum term 24 months.

Up to $5000 @3.25% APR maximum term 36 months.

Up to $7500 @4.25% APR maximum term 48 months.

See All Loan Rates >

SAVINGS

Share Rate: .10% - APY .10%

6-month .20% - APY .20%
12-month .30% - APY .30%
24 month Not available

IRA

Traditional IRA: .10% - APY .10%
Roth IRA: .10% - APY .10%
Coverdell IRA: .10% - APY .10%
Traditional IRA: .45% - APY .45%
Roth IRA: .45% - APY .45%

Rates are determined by the 
Board of Directors and could 
change at any time. Effective
date of dividends: 12/31/13.

See All Savings Rates >

Hours of Operation

Lobby:
Mon – Thur: 8:00am to 4:30pm
Friday: 8:00am to 5:30pm

Drive thru hours:
Mon – Fri: 8:00am to 4:30pm

Federal holidays observed

CNP Merchant Account Lower Fees fee annual no advance merchant fast lower transaction fees Merchant Statement Analysis lower transaction fees

ATM

Located in our drive thru area for your convenience.

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Your savings federally insured to at least $250,000
and backed by the full faith and credit of the
United States Government