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.

Collateral Loan Special

New Collateral Loans

2.00% up to 5 years.
2.50% 6 – 10 years.

Used Collateral Loans
3.00% up to 5 years
3.50% 6 – 8 years

Personal Loan Special

$5000 at 5.00% up to 3 years.

See All Loan Rates >

SAVINGS

Share Rate: .05% - APY .05%

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

Current Loan Rates

Borrow the money you need for most any worthwhile purpose. Whether it’s secured with collateral or unsecured, check out our low rates and flexible terms. Our rates are based on your credit score, which helps you receive the best possible rate we offer.

The FICO credit score provided by your Trans Union credit report determines loan rates.


New and Used Auto Loan Rates 2012 and newer

GradeCredit ScoreAPR up to 72 mosAPR 84-96 Mos New autos only

A+ paper850-7502.25%3.25%

A paper749-6902.75%3.75%

B paper 689-640 3.25% 4.25%

C paper 639-600 7.88% 9.38%

D paper 599-200 15.00% 15.00%

 

Used Auto Loan Rates 2008 - 2011

GradeCredit ScoreAPR up to 60 mos

A+ paper850-7502.25%

A paper749-6902.75%

B paper 689-640 3.25%

C paper 639-600 7.88%

D paper 599-200 15.00%

 

Collateral Loan Rates

GradeCredit ScoreAPR up to 60 mosAPR 72-120 Mos

A+ paper850-7505.00%7.50%

A paper749-6905.28%8.03%

B paper 689-640 5.55% 8.55%

C paper 639-600 7.77% 10.77%

D paper 599-200 13.00% 14.50%

 

Home Improvement Loans

GradeCredit ScoreAPR up to 60 mos

A+ paper850-7507.00%

A paper749-6907.54%

B paper 689-640 8.09%

C paper 639-600 8.61%

D paper 599-200 14.50%

 

Signature Loans

GradeCredit ScoreAPR up to 60 mos

A+ paper850-7507.50%

A paper749-6908.04%

B paper 689-640 8.58%

C paper 639-600 10.72%

D paper 599-200 15.00%

 

Overdraft Line of Credit on Checking

All rates at 15.00% regardless of credit score

Share Secured Loans

Loan rate 3 points higher that share rate. Term up to 84 months.

Certificate Pledged Loans

Loan rate 4 points higher than on pledged certificate rate. Term up 84 months.

Default Rate 15%

HOME EQUITY LOANS
80% of appraised value minus any mortgage balance

Fixed Rate:
1 - 5 years 4.00% APR
6 -10 years 4.25% APR
11-15 years 4.50% APR

Variable Rate:
3 points above current 26-week treasury bill rate
Closing costs paid by CU up to $3500 for terms 6-10 years

*Rates are determined by the Board of Directors and could change at any time. Please contact our office for our current rates.

 

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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