VAC Employees Federal Credit Union
2 Wilson Ave. Bath, NY 14810
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2017 – 2015 New and Used vehicles 1.95% APR up to 72 months.
2014 – 2012 Used vehicles
2.10% APR up to 60 months.
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
$5000 at 5.00% up to 3 years.
Share Rate: .05% - APY .05%
6-month .20% - APY .20%
12-month .30% - APY .30%
24 month Not available
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.
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
Requirements for Membership
Would you like to reap the benefits of VAC Employees Federal credit union membership? Enjoy lower loan rates, lower or no fees on services and efficient, friendly service – all in one financial institution.
Our National Credit Union Administration (NCUA) charter allows us to open our membership to the employees, members or elected officials of the following segment groups:
Please remember – once you are a member, your whole family can join and also enjoy the benefits of membership!
History of VAC Employees Federal Credit Union
The National Credit Union Administration (NCUA) chartered the VAC Employees Federal Credit Union on June 27, 1949 for the employees of the Veterans Administration Center, employees of the credit union, members of their immediate family and organizations of such persons.
The credit union was located in an office located in building 32 at the VA Medical Center, Bath, New York. We initially opened with eight members. Each member held one share at a value of $5.00 each. The credit union was up and running with a total of $40.00 in assets!
For almost thirty years membership was available for only the initial charter. The only services available to our members were basic share accounts and share pledged loans. Our charter then expanded to extended family members and in 1978 Steuben County employees were added to our field of membership. We also expanded our space and moved to building 18 at the VAMC.
Today we have grown substantially up to 4,568 members with over 9,563 accounts. Our services have grown to include share draft checking accounts, IRA’s, time-share deposits, mortgages, home equity loans, vehicle loans, student loans and so much more! We have moved to our new location at 2 Wilson Ave, Bath and we’re still going strong and continuing to expand our services to meet your financial needs.