VAC Employees Federal Credit Union
2 Wilson Ave. Bath, NY 14810
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2018 – 2016 New and Used vehicles 1.95% APR up to 72 months.
2015 – 2013 Used vehicles
2.10% APR up to 60 months.
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
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.
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
A share account is required to become a member of the VAC Employees Federal Credit Union. This accounts represents your membership and eligibility for other services we have to offer.
A $5 minimum balance is required to activate a share account with a $1 initial entrance fee (Fees or charges could effect the minimum required balance). You must maintain a $5 balance in your share account at all times.
We offer a share (savings) account with a dividend rate that is compounded daily and paid quarterly to accounts with a minimum average balance of $100.00. Accounts are federally insured up to $250,000 by the National Credit Union Administration (NCUA).