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

Consumer Loans

We offer a variety of loans for most any worthwhile purpose. We offer competitive rates (based on your credit score), flexible terms, and friendly and fast service. Let the VAC Employees Federal Credit Union help you with your financing needs.

We offer loans for: (offer a link to download a loan application)

  • New and used autos / auto refinancing
  • Motorcycles
  • Recreational vehicles / campers
  • Lawn tractors
  • ATV’s
  • Home Improvements
  • Personal / Debt consolidation / Refinancing
  • Share and time share certificate secured
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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