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

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2015 - 2013 New and Used vehicles 1.95% APR up to 72 months.
2012 – 2010 Used vehicles
2.10% APR up to 60 months.


$5000 @ 5.0% APR up to 48 months

Some restrictions apply. Please inquire at credit union for details.

Board of Directors reserves the right to terminate special at any time without notice.

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Share Rate: .10% - APY .10%

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.

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VAC Employees Federal Credit Union Membership

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:

  • VA Medical Center at Bath, NY
  • Steuben County
  • US Postal Service in Steuben County
  • IRA Davenport Hospital
  • Village of Avoca
  • Village of Bath
  • Towns of Bath, Campbell, Prattsburgh, Howard, Avoca, Cohocton and Hornellsville
  • Bath Bar Association
  • Keuka Family Practice
  • DA Wheeler Insurance
  • Plaskov Attorney
  • Steuben County Cooperative Extension
  • Steuben County Economic Opportunity Program (SCEOP)
  • National Association of Retired Federal Employees in Bath, NY
  • Southern Tier Central Regional Planning & Development Board
  • Knight Settlement Sand & Gravel
  • Bath Gas Electric and Water
  • USDA in Steuben County
  • Charles E Westcott Post #173 Bath American Legion
  • Goodrich Auto Works, LLC
  •  Robert N Austin Post #1279 Campbell American Legion

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.

Hours of Operation

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

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

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