VAC Employees Federal Credit Union
2 Wilson Ave. Bath, NY 14810
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2018 – 2016 New and Used vehicles 1.95% APR up to 72 months.
2015 – 2013 Used vehicles
2.10% APR up to 60 months.
Up to $2500 @ 2.50% APR up to 24 months
Up to $5000 @ 3.25% APR up to 36 months
Up to $7500 @4.25% APR up to 48 months
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
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.