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
We offer the following IRA accounts:
The Traditional and Roth IRA is offered as an IRA share account and also as an 18-month time share certificate. The IRA share account offers all the benefits of an IRA with the flexibility of direct deposit contributions. The IRA time share certificate locks your deposit in at 18 months with no deposits or withdrawals within that time, but at a higher rate of interest. It’s always a good idea to check with your tax consultant to determine which IRA is most beneficial to you; so choose the IRA that best suits your needs.
The Coverdell Educational Savings Account (ESA) is an ideal way for you to begin saving money to help a child, grandchild, or any young person you know pay for higher education expenses down the road. Contributions to a Coverdell ESA are not tax-deductible, but distributions used to pay for the qualified education costs of the named beneficiary are generally tax free.