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

IRA Share and IRA Time share Certificates

We offer the following IRA accounts:

  • Traditional
  • Roth
  • Coverdell Educational Savings Account

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.

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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