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

2018 – 2016 New and Used vehicles 1.95% APR up to 72 months.
2015 – 2013 Used vehicles
2.10% APR up to 60 months.

Home Improvement Loan Special

Up to $15,000 @ 4.5%
Up to 60 months

Click here to see all Loan Rates >
Click here to see all Savings 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.

Click here to 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

Direct Deposit / Payroll allotments

All members can have their whole paycheck deposited directly to the credit union or just an allotment as long as your employer is willing to send it to us.

Direct deposit is also available for any retirement, Social Security and even income tax returns. You must be a member to have this service, which means you have a share account in your name and social security number with at least a $5.00 balance.

Contact us to confirm your account number and request our credit union routing number.

Everything Automotive-Browse, shop, save, apply
We are thankful to New York Credit Union Foundation for CU grant award in June 2017
Read the Auto Talk Newsletter(PDF File)

NCUA

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