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.

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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

Night Deposit Box

Our night deposit box is located in our drive-through window area. Use this service for after hour deposits. Your deposits or loan payments will be posted to your account every weekday morning when we open.

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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