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
The National Credit Union Administration (NCUA) chartered the VAC Federal Credit Union on June 27th, 1949 for the employees of the Veterans Administration Center, employees of the credit union, members of their immediate family and organizations of such persons.
The credit union was located in an office located in building 32 at the VA Medical Center, Bath, New York. We initially opened with eight members. Each member held one share at a value of $5.00 each. The credit union was up and running with a total of $40.00 in assets!
For almost thirty years membership was available for only the initial charter. The only services available to our members were basic share accounts and share pledge loans. Our charter then expanded to extended family members and in 1978 Steuben County employees were added to our field of membership. We also expanded our space and moved to building 18 at the VAMC.
Today we have grown substantially up to 4,658 members with over 9,563 accounts. Our services have grown to include share draft checking accounts, IRAs, time-share deposits, mortgages, home equity loans, vehicle loans, student loans and so much more! We have moved to our new location at 2 Wilson Ave, Bath and we're still going strong and continuing to expand our services to meet your financial needs.
maintaining profitability through planned growth.