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

2018 – 2016 New and Used vehicles 1.95% APR up to 72 months.
2015 – 2013 Used vehicles
2.10% APR up to 60 months.

Personal Loan Special

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

Click here to see all Loan Rates >
Click here to see all Savings Rates >

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.

Click here to 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

P.A.L. automated phone system

Our phone a linc (PAL) line is a dedicated line offered to give you access to your account 24 hours a day, seven days a week. Our toll free number is 1-866-382-4586. Since we are unable to give you balances over the phone, this service provides you with account information, transfers, payments, balances, tax information, check withdrawals and other transactions.

You will need to know your account number and pin. Please contact us if you need help accessing this service.

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We are thankful to New York Credit Union Foundation for CU grant award in June 2017
Read the Auto Talk Newsletter(PDF File)

NCUA

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