VAC Employees Federal Credit Union

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

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607-776-3684

Loan Rates
Savings Rates

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.

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.

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

phone the answers business my at placement atm Information

Direct Deposit / Payroll allotments

All members can have their whole paycheck deposited directly to the credit union or just an allotment as long as your employer is willing to send it to us.

Direct deposit is also available for any retirement, Social Security and even income tax returns. You must be a member to have this service, which means you have a share account in your name and social security number with at least a $5.00 balance.

Contact us to confirm your account number and request our credit union routing number.