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 – 2015 New and Used vehicles 1.95% APR up to 72 months.
2014 – 2012 Used vehicles
2.10% APR up to 60 months.

Holiday Loan Special

$2500 at 2.5% up to 25 months.

See All Loan 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.

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