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

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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 >


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

Scottie Savers Club

Our Scottie Savers Club is a share account designated for our young members from birth to 12 years of age. We wish to encourage saving and promote the credit union philosophy to our young people.

  • Child must be less than 13 years of age
  • Minimum initial deposit of $5.00 (minimum account balance)
  • $1.00 entrance fee is charged to join the club
  • As with all share accounts, this account will not earn dividends on a balance less than $100.00
  • Upon joining, the child will receive a membership card, a passbook, passbook cover, one Scottie buck, a dime and quarter saver

Children are encouraged to deposit to the account on a regular basis. For every $5.00 deposit, one Scottie buck is earned. Scottie bucks can be saved to purchase any Scottie item.

Please visit our office for more specifics on joining and what items can be purchased with your Scottie bucks!

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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