VAC Employees Federal Credit Union
Member NCUA
2 Wilson Ave. Bath, NY 14810
phone: 607-776-3684

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Holiday Special

Up to $2,500 @ 2.5%
For 24 months

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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.

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Hours of Operation

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

History of the VAC Employees Federal Credit Union

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, 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.

As of July 13, 2018 our charter has been expanded and we are pleased to announce we are now a community charter credit union! That entails anyone who lives, works, worships or attends school in Steuben County is eligible to join us along with businesses and other legal entities located in Steuben County.

The VAC Employees Federal Credit Union strives to offer full services at competitive rates while maintaining profitability through planned growth.

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)


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