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.

Home Improvement Loan Special

Up to $15,000 @ 4.5%
Up to 60 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

Your Privacy Is Important To us

Web Privacy Notice

At VAC Employees Federal Credit Union we're committed to maintaining a useful and user-friendly web site for our members. Naturally, security is a significant concern to Internet users. We ensure that our web site provides the maximum level of security to all our on-line members.

Disclosures and Notices

To learn more about our disclosure notices, please click here.

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)

NCUA

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